Sheng Bank credit cards can be used abroad. Dual-currency cards can be used. UnionPay single-currency cards can only be used abroad at merchants marked by UnionPay.

Since UnionPay single-currency cards can be used in relatively few places abroad, it is more convenient to use dual-currency cards.

Minsheng Bank’s credit card does not charge handling fees for domestic card payments, but there is a certain handling fee for overseas card payments.

Overseas cash withdrawals require handling fees.

Overseas cash withdrawal limit:

1. Overseas cash withdrawal limit: Generally, the daily withdrawal limit through UnionPay channels is the equivalent of RMB 10,000.

2. Overseas cash withdrawal restrictions: The cumulative daily cash withdrawal amount for each overseas non-UnionPay account shall not exceed the equivalent of US$1,000. The cumulative amount within one month shall not exceed the equivalent of US$5,000. The cumulative amount within six months shall not exceed the equivalent of US$1,000. No more than the equivalent of US$10,000.

3. Overseas cash withdrawal handling fee: Overseas cash withdrawal handling fee is 3% of the amount of each cash withdrawal, with a minimum charge of 3 US dollars or 30 yuan per transaction (American Express Card-Centurion Black Gold Card, American Express Card - Centurion Platinum Card charges a minimum of USD 5 or RMB 30 per transaction). There is no inter-bank handling fee for cash withdrawals.