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What's the difference between China Merchants Bank dual-currency credit card and full-currency credit card?
We often compare dual-currency credit cards with single-currency credit cards. The key difference between the two is that dual-currency credit cards are more convenient when shopping abroad. Then, do you know that China Merchants Bank also has full currency credit cards? What's the difference between this and a dual-currency credit card?

1. China merchants bank dual-currency credit card

A dual-currency credit card is a credit card with two currencies, usually RMB plus USD, EUR or JPY, and the account is in two currencies. Generally, the "UnionPay" logo is affixed to the upper right corner of the front of the card, and the logo of VISA, JCB or MasterCard is affixed to the lower right corner. VISA or MasterCard dual-currency credit cards can be used in more than 200 countries, making it more convenient for cardholders to find consumers abroad.

2. All-currency credit card of China Merchants Bank

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. In addition, banks' all-currency international cards generally give away high travel accident insurance.

Third, the difference between dual-currency and full-currency credit cards.

1, different scope of use

Full-currency credit cards are generally single-label cards, which can't take the UnionPay line, that is, they can't be used in China, while dual-currency credit cards can be used in China.

2. Different charging standards

Annual fee: Dual-currency credit cards have a limit on the number of swipes, and the annual fee can only be waived after reaching the standard; All-currency credit cards are unconditionally exempt from annual fees;

In fact, whether to apply for a dual-currency credit card or a full-currency credit card first depends on your needs.