In Australia, there is no extra charge for spending with domestic credit cards (whether gold or platinum). But Australian merchants accept Australian dollars, and your repayment in domestic banks is RMB. Visa card organization will automatically convert your Australian dollars into US dollars, and then domestic CCB will convert US dollars into RMB when issuing the bill. After these conversions, your repayment amount will be higher than that of direct conversion, not to mention the exchange rate is constantly changing.

If you live in Australia for a long time, you should apply for a credit card or bank card at a local bank in Australia to avoid exchange rate fluctuations and losses caused by foreign exchange.