The dual-currency card is UnionPay +VISA RMB+USD, so there is no difference between dual-currency and full-currency shopping in Amazon, USA (case 1). However, if you shop in Amazon, Japan, the dual-currency card will first transfer the Japanese yen into the US dollar account according to the exchange rate+currency conversion fee on the day of VISA (case 2), and then repay the RMB against the US dollar.

2. Different characteristics:

VISA or MasterCard dual-currency credit cards can be used in more than 200 countries, so it is more convenient to find consumer merchants.

Dual-currency credit cards are settled in RMB in China. If you swipe your card abroad, you will automatically enter the foreign currency settlement system. Depending on the type of card, it will be converted into US dollars or euros first, and then converted into local currency when it is not spent in US dollars or euros. When they are repaid, they will be converted again and again. Because of the currency conversion, they will be charged 65,438+0% to 2%.

The main function of all currencies is to exempt currency conversion fees and handle the transaction needs of all currencies. No matter where you spend money, you can repay it directly in RMB after returning home, and you can also avoid the formalities of purchasing foreign exchange. In addition, banks' all-currency international cards generally give away high travel accident insurance.

Multi-currency card not only combines the advantages of single-currency card and dual-currency card, but also avoids their disadvantages. Moreover, at present, multi-currency cards issued by various banks are free of annual fees. However, all currency cards do not support UnionPay channel for the time being.

Extended data:

Features of dual-currency card of Shanghai Pudong Development Bank:

1, RMB/USD dual currency settlement

The credit cards of Shanghai Pudong Development Bank are settled in RMB and USD respectively. When the cardholder uses this card in China, it will be settled in RMB; When the cardholder uses it abroad, it will be settled in US dollars. After returning home, he can choose to return the amount spent abroad in US dollars or RMB.

2. Universal

This cartoon is used by more than 20 million merchants around the world, and more than 840,000 ATMs around the world withdraw cash.

RMB repayment in consumption abroad

You can sign up for consumption and withdraw cash within the credit line without depositing any cash in advance, and experience the relaxed and advanced consumption mode.

3. Interest-free repayment period

This card can enjoy the interest-free repayment period of consumption while experiencing the new life of the contracted account. If you sign an account with this card (excluding cash withdrawal), you can enjoy an interest-free repayment period of up to 50 days from the trading day to the due repayment date. Cardholders only need to pay off the current balance on the statement before the due repayment date, so they don't have to pay interest for these expenses.

4. Minimum repayment amount

This card also provides a minimum repayment amount. The minimum repayment amount is the minimum amount that needs to be returned every month. Cardholders are free to choose this repayment method, which can not only flexibly handle their own funds, but also reduce the repayment pressure. (Minimum repayment amount and interest-free repayment period cannot be enjoyed at the same time)