In the bill of overseas credit card spending by cardholders, the credit card handling fee is generally between 3% and 4%. Among them, international card organizations such as visa or MasterCard charge the issuing bank an international transaction fee of 1% to 1.5% for each transaction. Although it is collected from the bank, the fee is actually borne by the cardholder. In addition, banks charge handling fees or exchange fees ranging from 1% to 2%.

Most banks charge overseas credit cards 1.5%. For example, CCB, BOC, China Merchants Bank, Xingye and Guangfa are all 1.5%, Everbright 1.7%, Shenzhen Development Bank and Bank of Communications are all 1.75%, and Pudong Development implements the standard of 2%.

If it is a UnionPay single-currency credit card, or a dual-currency credit card with UnionPay and VISA (or MasterCard) double logos, there is no handling fee for swiping the card overseas and taking the UnionPay line.