You can choose a card swiping machine corresponding to the swiping route according to the credit card organization logo on the credit card (such as VISA, MASTERCARD, JCB, American Express, UnionPay) overseas, and you don't need to activate the swiping function. Credit card swiping on UnionPay line will be settled directly in RMB; If you swipe your card on an international line, it will be settled in US dollars. Since the consumption outside the credit card will be settled in US dollars, if the consumption amount is not US dollars, there will be exchange fees between the two currencies. If the UnionPay line is swiped or the consumption amount is USD, there will be no settlement procedures.

1. For the consumption generated by using our credit card in countries in non-US dollar regions through international organization lines (that is, non-UnionPay lines), the cardholder has to pay 1.5% foreign exchange fee to convert local currency into US dollars, and the subsequent US dollars have already included this exchange fee (American Express Centurion Black Gold Card and American Express Centurion Platinum Card are paid at 2% of the settlement amount). 2. There is no foreign exchange handling fee for US dollar consumption. 3. UnionPay single-currency credit cards shall be handled in accordance with the latest regulations of China UnionPay and the Bank.

All-currency international credit card of China Merchants Bank

1) All-currency international credit card can automatically purchase foreign exchange in RMB for repayment

2) There are no additional conditions to exempt the annual credit card fee within the validity period

3) Any foreign currency consumption in the world, zero currency exchange fee

Tips:

* This card is enabled by default and cannot be cancelled. Foreign currency consumption in RMB is recorded for repayment, and foreign currency repayment is not supported.

* This card can't be used on UnionPay lines or non-cooperative merchants' machines of China Merchants Bank. If you need to trade in the above channels, you are advised to apply for other credit card products of China Merchants Bank.

* All-currency international credit cards don't support UnionPay channel repayment (including transfer from other banks, counter connection, Lacarra, etc.) for the time being. If you have more than one CMB credit card in your name, you can return it to the credit card with UnionPay logo when you repay, and you can do it through any repayment channel, because the bills of all-currency cards are also issued together.