In fact, the four major banks are all similar.

China Bank's all-currency international chip Card Haitao has the highest cost performance. 1. supports all currencies and is free of annual fees for life. China Bank has a good reputation abroad, so the probability of credit card orders being cut will be lower. 2. consumption abroad double points, and the points are permanently valid. If you can get a platinum card, you will get 5% cash back for overseas sales (a single transaction costs more than $200, and the maximum cash back for each card is $500 per month)! 3. With emv chip, it will show its importance when foreign pos machines do not support magnetic stripe. 4. RMB is automatically credited for repayment, and the exchange rate is fair. 5. The card quality is first-class. 6. All-round transshipment. This card can be used not only in Haitao, but also in duty-free shops when traveling abroad with emv chips, and it is free for life. It is suggested that qualified students must apply for a platinum card, and 5% cash back is still very enjoyable. However, this card also has shortcomings, because it is a single channel of visa or master, and it does not support UnionPay pos machines or Alipay repayment. Repayment needs to be related to the debit card of China Bank or to the bank counter.