ICBC's multi-currency credit card can be described as the "veteran" of its kind. In addition to the RMB account, the card also has 1 accounts in other currencies, including US dollars, euros, Hong Kong dollars, British pounds, Japanese yen, Singapore dollars, Canadian dollars, Australian dollars, Swiss francs and New Zealand dollars. When the cardholder pays by UnionPay line, the money will go directly to the RMB account, while if the cardholder takes MasterCard line, it will go to the corresponding account according to the local currency. For example, when spending in New Zealand, it can be recorded directly in New Zealand dollars, and when spending euros, it can be recorded directly in euros. In this way, there will be no currency conversion fee in the whole process.

It's also very convenient to repay the arrears of this card. According to the staff of ICBC, as long as you have an ICBC debit card and bind it to a credit card, you can directly purchase foreign exchange with RMB deposits for repayment without queuing at the counter, let alone making an appointment for exchange, which saves time and effort according to the exchange rate conversion on the repayment date. Of course, this automatic foreign exchange purchase function requires cardholders to check the relevant options when applying for a card, and at the same time ensure that the RMB account has sufficient deposits.