★ Choose UnionPay line to swipe your card, and settle directly in RMB. There is no handling fee during the transaction.
★ Select the international line to swipe the card and settle in US dollars. If the consumption amount is not USD, there will be an overseas exchange fee (65438+ 0.5% of the transaction amount). If the consumption amount is US dollars, there is no exchange fee. When you spend money abroad, Xiao An suggests that you confirm with the merchants whether there is a UnionPay credit card limit to facilitate your choice.
★ The domestic cash withdrawal fee for the two cards is the same: 2.5% of the cash withdrawal amount, with a minimum of 25 yuan RMB per transaction. Overseas cash withdrawal fee: UnionPay online cash withdrawal fee is 3% of the cash withdrawal amount, with a minimum charge of RMB 40 yuan per transaction; MasterCard online cash withdrawal fee is 3% of the cash withdrawal amount, with a minimum charge of $5 per transaction.
If in doubt, you can consult further through WeChat. Please click on the official WeChat of Ping An Credit Card. I hope it helps you.