For consumers who often travel abroad or study abroad, the GSM payment card is undoubtedly a good choice. The credit card supports global payment in all currencies, with RMB credited for repayment and free of foreign exchange charges, which provides great convenience for consumption abroad.

The annual fee of this credit card is 160 yuan for the main card and 80 yuan for the auxiliary card. But as long as you swipe your card more than three times a year, you can avoid the annual fee. In addition, the maximum withdrawal rate is 30%, and the handling fee is 0.5% of the withdrawal amount. The lowest domestic fee is 2 yuan, and the interest-free period is 20-50 days. For users who need cash temporarily, this is a relatively preferential cash withdrawal policy.