In the bills paid by cardholders for overseas card consumption, the card fee is generally between 3 and 4. International card organizations such as visa or MasterCard charge international transaction fees to the card issuers, which is 1 for each transaction. To 1.5, although it is charged to the bank, this fee is actually borne by the cardholder; in addition, each bank charges a handling fee or exchange fee, which is between 1 and 2.

The handling fee for overseas credit card swiping of most banks is 1.5. For example, China Construction Bank, Bank of China, China Merchants Bank, Industrial Bank, Guangfa, etc. all charge 1.5, Everbright 1.7, while Shenzhen Development Bank and Bank of Communications both charge 1.75, and Shanghai Pudong Development Bank 2 standard.

If it is a UnionPay single-currency credit card, or a dual-currency credit card with UnionPay and VISA (or MasterCard) dual logos, there will be no handling fees when swiping the card overseas to use UnionPay.