Hello, what are the differences between China Merchants Bank's "He" credit card and China Merchants Bank's ordinary UnionPay credit card? Is it no different when spending abroad?

Hello, the standard UnionPay credit card is a single-transaction card, and the UnionPay card has a single-transaction card and a dual-currency card. If you are spending overseas, the card has the VISA, MASTERCARD, JCB or American Express logo on it, and it can be used overseas. (including Hong Kong, Macao and Taiwan) (including online payment). Credit card purchases overseas through international lines will be settled in U.S. dollars. If the consumption amount is non-U.S. dollars, there will be an exchange fee between the two currencies, which is 1.5% of the transaction amount. If the consumption amount is in US dollars, there will be no foreign exchange settlement fee.

If you have other questions, please open the China Merchants Bank homepage www.cmbchina.com and click "Online Customer Service" in the upper right corner to enter the consultation.

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