Many people know that dual-currency credit cards refer to credit cards with two currencies, while single-currency credit cards are also called RMB credit cards, which can only be swiped through UnionPay channels. So do you know what a full-currency credit card is, and what are the differences between a dual-currency credit card and a full-currency credit card? Today, taking Minsheng Credit Card as an example, let me give you a detailed introduction. one of the differences: dual-currency credit cards can be swiped at home. If swiped abroad, they will automatically enter the foreign currency settlement system. Depending on the type of cards, they will be converted into US dollars or euros first, then into local currency for settlement, and they will be converted again for repayment. At the same time, a currency conversion fee of 1% to 2% will be charged. In addition, when you come back to repay, you need to exchange money first, and there will be a currency conversion fee.

the second difference: all-currency card. The main function of all-currency card is that it can be exempted from currency conversion fee and can handle the transaction needs of all currencies. No matter where and where you spend money, you can repay it directly in RMB after returning home, and you can avoid the formalities of purchasing foreign exchange. In addition, the bank's all-currency international card will generally give a high amount of travel accident insurance. So much for the difference between Minsheng dual-currency and full-currency credit cards, I hope it will be useful to you.