If you take a domestic credit card overseas, the payment is usually in US dollars (if it is a single UnionPay card, you can use the UnionPay payment channel). If you want a good deal, you can bring a global payment card (cards with only VISA or MASTERCARD on the card can enjoy unlimited annual fee exemptions), or platinum cards from some banks, which can enjoy any foreign currency consumption around the world, 0 currency Exchange fee.
If the credit card is a dual-label card with both "UnionPay and Non-Global Payment" on the card surface, you can use the credit card organization logo on the credit card overseas (such as: VISA, MASTERCARD, JCB, American Express, UnionPay) Select the card swiping machine corresponding to the card swiping route to swipe the card. No additional card swiping function is required.
Card swiping on international lines will be settled in U.S. dollars. Therefore, if the consumption amount is non-U.S. dollars, there will be an exchange fee between the two currencies. If the UnionPay line is used or the consumption amount is US dollars, no exchange settlement procedures will occur. For example, the credit card is a single-label card with only VISA, MASTERCARD, JCB or American Express on the card surface. Currency exchange fees will be waived in accordance with relevant preferential policies.
Recommended cards with several discounts:
Guangfa Bank Platinum Card (automatic settlement of global transactions in RMB): automatically activates the "RMB World Connect" function, and all overseas international transactions are automatically converted into RMB When the transaction is recorded in your account, you only need to repay it directly in RMB through the RMB repayment channel, thereby eliminating the need for foreign exchange purchase procedures and saving costs.
China Merchants Bank Visa all-currency card.
1) International credit cards in all currencies can automatically purchase foreign exchange and repay in RMB
2) No additional credit card annual fees are waived within the validity period
3) Global Any foreign currency consumption, 0 currency exchange handling fee
New accounts will receive a "magic package" for traveling overseas
China Merchants Bank MasterCard full currency card
1 )MasterCard EMV chip card
2) Supports PayPass fast payment
3) No foreign exchange fee for RMB repayment
4) Enjoy the exclusive benefits of MasterCard World Card< /p>
5) Free annual fee of RMB 2 million in aviation insurance
New accounts will receive a "magic package" for traveling abroad with any payment
VISA all-currency platinum credit card .
1) There is no currency exchange fee for overseas consumption, and you can enjoy 5% credit card rebate after signing up
2) No additional annual fee within the validity period
1. Comprehensive Upgrade EMV chip card to pay with peace of mind
2. No foreign exchange handling fee for global currencies. Any foreign currency consumption can be accounted and repaid in RMB
3. No annual fee is required within the validity period, no additional conditions
Industrial Bank’s all-currency international credit card, platinum card (elite version).
If the settlement currency of your country is different from the currency of the credit card used, you will need to pay a foreign transaction exchange fee of 1.5% of the transaction amount when swiping the card. Using Industrial Bank's all-currency international credit cards for overseas transactions can eliminate foreign transaction exchange fees and save additional fees.
Industrial Bank’s all-currency international credit card (VISA single brand) only supports VISA line transactions, and Industrial Bank’s all-currency international credit card (MasterCard single brand) only supports MasterCard line transactions. It is recommended when traveling abroad and overseas online shopping. use.
Bank of China’s all-currency international chip card
No matter when, where and in which currency, use the card to make purchases or withdraw cash abroad, and the currency exchange handling fees for cross-border transactions are reduced and discounted. The intensity is 1.5% of the transaction amount.
With the Platinum Card, a full-currency international chip card, you can enjoy double points for overseas consumption, and the points are permanently valid. Accumulate bit by bit and enjoy colorful gifts.
No matter where you are in the world, foreign currency transactions carried out with the card can be automatically converted into RMB and credited to your account. You only need to easily return the RMB debt, eliminating the cumbersome procedures for purchasing foreign exchange. You can log in to online banking or call 4006695566 to activate the global transaction accounting service. If you want to conduct cross-border consumption and repayment in US dollars, it is recommended to turn off this function.