1. Through the UnionPay line, if it is a single-currency credit card of UnionPay, or a dual-currency credit card with UnionPay and VISA (or MasterCard) double logos, you can take the UnionPay line, and there is no handling fee.
2. If it is a dual-currency credit card, take the route of an international organization. If the Hong Kong dollar is swiped again, the international organization will convert the Hong Kong dollar into the currency contained in the card itself (such as USD and EUR), and an exchange fee of 1.5% will be added at this time. The amount after posting has included the exchange fee.
So try to choose UnionPay, there is no handling fee.