How about China Merchants Bank’s all-currency international credit cards?
It is of little use if you don’t go abroad.
China Merchants Bank’s all-currency international credit card (also known as all-currency card) is a signature all-currency international credit card launched by China Merchants Bank and VISA. The card supports VISA lines, and no matter what currency, the 1.5% foreign exchange fee will be waived for consumption or cash withdrawal. All foreign currency transactions are automatically purchased in RMB and repaid in RMB. At the same time, this card comes with high-value travel insurance.
The annual fee for a China Merchants Bank credit card is RMB 100 per year for a regular card and RMB 300 per year for a gold card. The annual fee is charged once a year. If you apply for 2 cards or additional cards at the same time, the annual fee for the second card or additional card will be 1/2 of the first card. The annual fee is calculated from the issuance date of your card (the validity period below the credit card, the previous date is the issuance date), not the calendar year.
Is China Merchants Bank’s all-currency card free of annual fees for life?
China Merchants Bank’s all-currency credit cards are free of annual fees for life.
All foreign currency transactions (including card swiping, online shopping, and withdrawals) automatically purchase foreign exchange and deposit it into your account in RMB. You only need to repay the bill in RMB.
Disadvantages of China Merchants Bank’s all-currency international credit card: Visa single channel, no UnionPay logo, Alipay cannot be used for repayment, domestic non-Visa channel credit card swiping channels.
China Merchants Bank’s all-currency international credit card (also known as all-currency card) is a signature all-currency international credit card launched by China Merchants Bank and VISA. The card supports VISA lines, and no matter what currency, the 1.5% foreign exchange fee will be waived for consumption or cash withdrawal. All foreign currency transactions are automatically purchased in RMB and repaid in RMB. At the same time, the card comes with high-value travel insurance.
Extended information:
Features of China Merchants Bank Card
1. One card for multiple accounts with current deposits in RMB, US dollars, Hong Kong dollars, Japanese yen, euros and other currencies , fixed-term and other types of savings accounts.
2. Deposits and withdrawals of various types of deposits and withdrawals can be handled at any branch of China Merchants Bank in the same city; deposits and withdrawals in other places for RMB, Hong Kong dollar and US dollar current savings accounts can be handled at branches across the country.
3. Automatic transfer of deposits. If there is a lump sum deposit and it expires, the bank will automatically transfer the deposit to the original deposit period with interest.
4. Self-service transfer After applying for the self-service transfer service function at the China Merchants Bank counter, you can directly use the relevant self-service channels of e-banking to handle the following businesses:
① Via online banking, mobile banking, Use ATM self-service equipment and self-service inquiry terminal channels to handle fund transfers between the same city's "all-in-one card" and passbooks for the same customer;
② Handle bank transfers through online banking, mobile banking, ATM self-service equipment, and self-service inquiry terminal channels. Fund transfer to any pre-designated account;
③ Fund transfer to any third-party account through online banking, mobile banking, ATM self-service equipment, and self-service inquiry terminal channels;
Special instructions: handle fixed and active transfers between RMB accounts in the same "all-in-one card" or accounts of the same foreign currency banknote type. There is no need to go to the counter to apply for the application, it will be automatically activated by the computer system.
5. Merchant consumption is settled directly at merchants authorized by China Merchants Bank and China UnionPay.
6. Withdrawal from ATMs: RMB current withdrawals, password changes, third-party transfers, current account balance inquiries and other services can be handled at the ATMs of CMB where the account is opened; RMB can be processed at the ATMs of CMB where the account is not opened. Current withdrawals; you can also handle RMB current withdrawals, current account balance inquiries and other services at the ATMs of other banks that have joined China UnionPay.
7. The self-service deposit machines at the place where CMB opened an account can handle RMB current deposits, lump sum deposits and withdrawals, and odd deposits and lump sum withdrawals, etc.; at any self-service deposit machine of China Merchants Bank, you can handle all-in-one card-bearing deposits. Or deposit without a card. Among them, deposit without a card does not support the deposit of old eight-digit cards from our bank.
8. Inquiry services: China Merchants Bank counters, self-service banking, telephone banking, online banking, mobile banking and other channels provide customers with deposit interest rates, exchange rates, business profiles and various accounting inquiries.
9. Telephone Banking CMB Telephone Banking provides automatic voice services and manual services.
① Dial 95555 directly and follow the automatic voice prompts to handle account inquiries, transfers, loss reports and other services.
②95555 telephone banking manual service can provide 24-hour business consultation services and accept customer complaints.
10. Mobile Banking As the first domestic financial company to launch mobile banking, China Merchants Bank continues to innovate and launches a series of new generation mobile banking products, including iPhone version, JAVA version, Mobile version, web version, WAP version, etc., to meet the various needs of customers.
11. Online Personal Banking Professional Edition After applying for the "Online Personal Banking Professional Edition" function at the China Merchants Bank counter, you can simultaneously manage all-in-one cards, passbooks, and credit cards through online banking, and perform transfers and remittances, self-service payment, investment management, Loan management, financial planning, financial analysis, function application and other services.
12. Online personal banking public version With the China Merchants Bank One Card, you can handle the following personal banking services directly through online personal banking (public version): account inquiry, self-service transfer, self-service payment, online payment, investment management, and loan Management and other business.
13. Online payment: After applying for the "online payment" function at the CMB counter or online banking, you can purchase goods or enjoy other services online from special merchants in the CMB online mall, and complete the payment of consumer funds simultaneously. .
14. Bank-securities transfer After applying for the bank-securities transfer service function at the counter of China Merchants Bank or a designated securities dealer of China Merchants Bank, you can realize the current account opened with a designated securities dealer through self-service equipment such as telephone banking and online banking of China Merchants Bank. Mutual transfer of funds between securities margin accounts. This function is mainly applicable to the transfer of foreign currency funds between current accounts and securities margin.
15. After the third-party custodian is pre-designated at the counter of the securities firm and the third-party custodian function is confirmed at the counter of China Merchants Bank (some securities companies can open a one-stop third-party custodian account at the counter of the securities firm), go through Electronic banking self-service equipment such as China Merchants Bank's telephone banking and online banking can realize the mutual transfer of funds between current accounts and securities margin accounts opened at designated securities firms. This function is mainly applicable to the transfer of RMB funds between current accounts and securities margin accounts. transfer.
16. Yinjitong can handle various open-end fund subscription, subscription, redemption and other transactions and inquiry services through the counter, telephone banking, online banking, and mobile banking, and other open-end funds can be transferred to custody Transfer-out and other services are handled at the counter.
17. For entrusted financial management, you can check financial product information, account holdings, current transaction orders, account historical transactions and other information through our bank's counter, telephone banking, online banking, mobile banking and other channels, and you can also handle our Conduct transactions such as subscription, subscription, redemption, and order cancellation of financial products.
18. For insurance agency business, you can purchase various insurance products at various outlets of China Merchants Bank with your all-in-one card, insurance policy, ID card and other insurance materials, and enjoy telephone sales and online sales of insurance and financial management services.
19. After the gold business has opened the "Zhaocaijin" agent personal gold trading business through the corresponding channel of China Merchants Bank, the buying and selling of various precious metal trading varieties listed on the exchange can be carried out through different channels. and other business such as transaction entrustment and inquiry, and can handle the purchase of personal gold and silver investment products of China Merchants Bank through the counter channels of China Merchants Bank.
20. After applying for personal foreign exchange trading business at the CMB counter or online banking professional version, you can conduct foreign exchange transactions through CMB telephone banking, self-service inquiry terminal, online personal banking professional version, wealth account professional version and other channels. Entrustment, inquiry and other services. Customers can easily participate and invest in the international foreign exchange market to obtain certain investment returns.
21. After signing an agreement with China Merchants Bank, the self-service loan is pledged with its own local and foreign currency time savings deposits deposited in the China Merchants Bank all-in-one card. CMB applies for a loan and can self-repay through the above channels.
22. After applying for the self-service payment service function at the counter of China Merchants Bank or through electronic banking channels such as telephone banking, online banking, and mobile banking. Self-service payment of various fees to CMB's special charging units through CMB's telephone banking and online banking.
23. Agency business According to the written authorization of the unit or individual, the bank can handle salary payment or pay various fees for the unit or individual.
Reference materials: All-in-one card | Change because of you, realize your dreams_China Merchants Bank
Introduction to China Merchants Bank’s all-currency international credit cards
Hello, China Merchants Bank All-currency international credit cards 1) All-currency international credit cards can automatically purchase foreign exchange and repay in RMB 2) No additional credit card annual fees are waived during the validity period 3) Any foreign currency consumption around the world, 0 currency exchange fee Warm reminder: This card is activated by default The automatic foreign exchange purchase function cannot be canceled. Foreign currency consumption is repaid in RMB, and foreign currency repayment is not supported. This card cannot be used on UnionPay lines or on machines not partnered with China Merchants Bank. If you need to make transactions through the above channels, it is recommended that you apply for other credit card products of China Merchants Bank. International credit cards in all currencies do not currently support repayment through UnionPay channels (including transfers from other banks, over-the-counter transfers, Xinpay Lakala, etc.). 1. If you have multiple CMB credit cards under your name, you can repay to Credit cards with the UnionPay logo can be repaid through any repayment channel, because the bills for all-currency cards are also issued together; 2. If you only have a full-currency card under your name, our bank's over-the-counter cash payment and over-the-counter transfers are currently supported. Payment, automatic deduction, online banking public version, professional version payment, CDM cash deposit of our bank, mobile life, mobile banking, Alipay, Tenpay and other repayment methods. You can click on the link to inquire:
Is there an annual fee for China Merchants Bank’s all-currency international credit card?
No annual fee for China Merchants Bank’s all-currency international credit card. China Merchants Bank's all-currency international credit card is the first chip credit card in China that complies with international EMV standards and has VISApayWave function. It is characterized by not only having a traditional magnetic stripe identification system, but also using a highly integrated chip as an information carrier to ensure the security of the credit card. and functional expansion laid a solid foundation.
In addition to having all the financial functions of traditional magnetic stripe credit cards, China Merchants Bank’s all-currency international credit cards will also provide cardholders with higher security, more functional services and a richer user experience. .
Extended information:
Introduction to the 6 major functions of China Merchants Bank’s all-currency international credit cards
(1) No foreign exchange fees for any foreign currency consumption around the world
No matter when, where, or what foreign currency the customer uses, the 1.5% foreign exchange fee will be waived when using this card to make purchases or withdraw cash, making customers' consumption more convenient.
(2) RMB repayment for any foreign currency consumption in the world
No matter where in the world the customer holds the card for foreign currency transactions, they can automatically purchase foreign exchange and deposit it into their account in RMB. Customers only need to easily Repayment in RMB is enough, allowing customers to avoid the tedious purchase of foreign exchange and make travel easier!
(3) Safe payment with the global VISA network
Customers can enjoy the high-quality credit card services provided by VISA, one of the world's largest card organizations, in more than 200 overseas countries and There are 36 million special merchants in the region.
(4) Complimentary high-value travel insurance
Customers only need to use this card to purchase their own air tickets in full or pay 80% or more of their own travel group fees, without any formalities or payments. For any fee, you will receive free travel inconvenience insurance and aviation accident insurance up to RMB 2 million, giving customers the most value-for-money travel protection.
(5) Annual fee is waived with no additional conditions within the validity period
If you hold this card within the validity period of the card and there are no additional consumption conditions, the customer's annual credit card fee will be waived.
(6) Global emergency loss reporting, cash withdrawal, replacement card and other services
For more high-quality credit card services and discounts, please log on to the China Merchants Bank Credit Card website or VisaSignature Chinese website
China Merchants Bank All-Currency International Credit Card - One Card for All Currencies Globally
China Merchants Bank All-Currency International Credit Card - Card Introduction
China Merchants Bank All-Currency International Credit Card Application Conditions
According to the "Bank Credit Card Regulations (Ninth Edition)", the conditions for applying for China Merchants Bank's all-currency international credit cards are as follows:
Article 7: Be 18 years or older and have full capacity for civil conduct. Chinese residents with good credit standing, foreigners with full capacity for civil conduct who are resident in the country, and compatriots from Hong Kong, Macao and Taiwan with full capacity for civil conduct can apply for a personal credit card master card from the card issuer with their valid identity documents.
The main cardholder of the personal card can also apply for a supplementary card for a specific natural person with full capacity for civil conduct or a natural person with limited capacity for civil conduct.
Supplementary card application materials must be confirmed by the primary cardholder's personal signature, customer service call recording, electronic signature, or a method mutually recognized by the cardholder and the card issuer. The main cardholder can apply to cancel the supplementary card at any time.
The supplementary cardholder and the principal cardholder*** use the same account credit limit. The principal cardholder can set the usage limit of the supplementary card in one billing cycle within the account credit limit. . All transaction amounts and corresponding interest, fees, etc. of the main card and supplementary card are credited to the same account. The main cardholder is responsible for repaying all debts incurred under the main card and supplementary card.
Extended information:
Notes on all-currency international credit cards:
1. The card has an automatic foreign exchange purchase function by default and cannot be canceled. Foreign currency consumption is in RMB. Repayment in account does not support repayment in foreign currency.
2. Foreign currency single-label credit cards do not currently support repayment through UnionPay channels (including transfers from other banks, over-the-counter transactions, Xinpay Lakala, etc.).
3. This card cannot be used on UnionPay lines or non-China Merchants Bank cooperative merchant machines. If you need to make transactions through the above channels, it is recommended to apply for other credit card products of China Merchants Bank.
China Merchants Bank Official Website - China Merchants Bank Credit Card Regulations
This ends the introduction of China Merchants Bank’s all-currency credit cards and China Merchants Bank’s all-currency credit card handling fees. I don’t know. Did you find the information you needed?