There is no handling fee for card payments. Whether there is an exchange fee depends on your card type. For example, if it is China Construction Bank's Dragon Card standard credit card, VISA gold card or ordinary card, an exchange fee of 1.5 will be deducted. This transaction will first be converted from Japanese yen to US dollars, and then the exchange fee will be added to the account. The exchange rate of Japanese yen to US dollars is from VISA organization. If you use a standard platinum credit card or a global payment card VISA, these are all-currency cards that do not charge exchange fees, and are converted directly from Japanese yen into RMB according to the CCB credit card exchange rate. I don’t know what the exchange rate of 512 found by the poster is. It may not be accurate. According to your exchange rate, it is 409.60 yuan.