Dual-currency card refers to a credit card with both RMB account and foreign currency account. Dual-currency credit cards are settled in RMB in China. If you swipe your card abroad, you will automatically enter the foreign currency settlement system. Depending on the type of card, it will be converted into currencies of different countries, and will be remitted when repaying, which will generate certain handling fees.

The main function of all currencies is to exempt currency conversion fees and handle the transaction needs of all currencies. No matter where you spend money, you can repay it directly in RMB after returning home, and you can also avoid the formalities of purchasing foreign exchange.

China Merchants Bank's all-currency international credit card (also known as all-currency card) is a signed all-currency international credit card jointly launched by China Merchants Bank and VISA. The card supports VISA bank, and no matter what currency, the foreign exchange handling fee of 1.5% is exempted for consumption or withdrawal. All foreign currency transactions are automatically purchased in RMB and only need to be repaid in RMB. At the same time, the card has a high travel insurance gift.

China Merchants Bank's all-currency international credit card only issues VISA single-currency cards with only one card face, which is a personal card product issued by China Merchants Bank for overseas travel and online shopping. In order to provide more convenience for cardholder consumption abroad to swipe his card, reduce the customer's consumption abroad currency exchange fee, better enhance the customer experience, and strengthen the product positioning of China Merchants Bank's credit card as "the first choice in consumption abroad".

In addition to the basic functions, China Merchants Bank's all-currency international credit card also has the following functions:

(Credit card service provided by VISA signature and exclusive courtesy of tens of thousands of selected preferential merchants (hotels, restaurants, entertainment, shopping and leisure products) in more than 200 overseas countries and regions.

(2) All-currency consumption and repayment in RMB. No matter where in the world you hold this card for foreign currency transactions, you can automatically convert it into RMB for entry, and you only need to repay it in RMB.

(three) full monetary consumption, free of currency exchange fees. No matter when and where the foreign currency is used, the currency exchange fee of 1.5% is exempted.

(4) Giving away high travel insurance. With this card, you can buy my air ticket in full or pay 80% or more of my tour fare, and you can get up to 2 million yuan of travel inconvenience insurance and aviation accident insurance for free without going through any formalities and paying any fees.