Which one of the major banks’ full-currency credit cards is better

Whether you are going out for fun, business trips, or studying abroad, full-currency credit cards are more suitable, and you don’t need to exchange foreign currency. Foreign currency conversion fees are waived, but with so many full-currency credit cards, which bank’s full-currency credit card is better and more cost-effective? Today, we will take stock of the advantages and disadvantages of all-currency credit cards from major banks so that you can understand them all at once.

The main function of the all-currency card, which is hassle-free for swiping abroad, is to waive currency conversion fees and handle transaction needs in all currencies. No matter which country or place you consume, you can repay the money directly in RMB after returning to your country, eliminating the need to purchase foreign exchange.

1. Bank of China All-Currency International Chip Card

In addition to the basic functions of general all-currency credit cards, the Bank of China All-Currency International Chip Card also enjoys the same benefits as the Bank of China Platinum Card. Rights and interests; insurance services, such as complimentary personal insurance and delay insurance when buying air tickets; lending and borrowing in one, overdraft consumption, interest-free repayment period, and interest on deposits; double points for overseas consumption, and the points are permanently valid etc.

2. Agricultural Bank of China World Travel Credit Card

The Agricultural Bank of China World Travel Credit Card is exclusively available for consumption and cash withdrawal in any currency and through any channel around the world, with no currency conversion fee, as well as domestic and overseas purchases. Comprehensive benefits for leisure, business travel, health care, etc., especially suitable for those who travel, business, study abroad and "overseas shopping". Supreme benefits at the airport; gold card annual fee standard, platinum level benefits.

3. ICBC Global Travel Credit Card

The special features of ICBC Global Travel Credit Card are: dual channels of UnionPay and MasterCard, multiple card payment channels, available in China, and Alipay repayment It provides VIP room privileges at airports around the world; it integrates global selected preferential services in ten major industries including aviation, hotels, shopping and leisure, luxury goods, travel, study abroad, airport VIP rooms, car rental, tax refund, and rescue into one card, making it an ideal choice for customers traveling overseas. A must-have best companion.

4. China Construction Bank Dragon Card Global Payment Credit Card

The special features of China Construction Bank Dragon Card Global Payment Credit Card are: MasterCard UnionPay dual logo card, UnionPay and VISA (MasterCard) dual channels, available in China , you can use Alipay to repay; you can enjoy double points for overseas consumption; special services for international air tickets; buy air tickets and get insurance, etc.

5. China Merchants Bank’s all-currency international credit card

China Merchants Bank’s all-currency international credit card only issues VISA single-currency cards. It is issued by China Merchants Bank for customers with overseas travel and online shopping. Personal card products. This card supports the VISA line. Its biggest feature is that no matter what currency it is, there will be no foreign exchange fee for consumption or cash withdrawal; and there is no annual fee for life (many full-currency credit cards are not exempt from annual fees). In addition, China Merchants Bank’s all-currency international cards also offer many discounts (in 2015, you can enjoy 3 times the points up to 100,000 when you use the Postal Savings UnionPay all-currency credit card), and they will also come with high-value travel accident insurance.

6. Postal Savings Bank dual-label full-currency credit card

Postal Savings Bank dual-label full-currency credit card is a dual-label full-currency credit card of Postal Savings Bank of China UnionPay and MasterCard. It can be used in UnionPay offline and online networks, and it can also be used at more than 300,000 MasterCard online and offline merchants to accept card payments. The credit card has UnionPay and MasterCard dual networks for convenient switching at home and abroad. It is the first Postal Savings Bank special card with UnionPay and MasterCard. The double-label card with the logo, whether at home or abroad, you can worry-free swiping purchases with one card in hand, and enjoy double global preferential merchant benefits from UnionPay and MasterCard; most full-currency credit cards are not suitable for consumption in China, but Postal Savings Bank Dual-label full-currency credit cards can still be used for consumption in China, and they also have special functions such as tax refunds for overseas purchases and discounts for online shopping online.

7. Minsheng Visa All-Currency International Credit Card

The special features of Minsheng Bank Visa All-Currency International Credit Card are: revolving credit, convenient for advanced consumption; points are permanently valid, and points can be Redeem gift miles, repay in multiple ways, make repayment simple and convenient, etc.

China Minsheng Bank's Visa full-currency international credit card also offers many discounts, mainly discounts of up to RMB 10 on air tickets and overseas credit card discounts.

Comparative analysis of these all-currency credit cards of the four major banks. Personally, I think the Bank of China all-currency chip card is still very good. Generally, all-currency credit cards have the same functions, such as automatic foreign exchange purchase, free payment, etc. Currency exchange fees, RMB repayment, etc. are all covered by BOC all-currency chip cards. In addition, there is an unconditional lifetime annual fee exemption policy. You must know that many all-currency credit cards are not exempt from annual fees, and the BOC All-Currency Chip Card enjoys more rights and benefits, and can also be used as a savings card. A lot. Although the Bank of China all-currency chip card is a single-channel Visa card, applicants applying for foreign currency credit cards are mainly used for overseas consumption, overseas shopping, etc., and domestic merchants that accept Visa cards are becoming more and more popular, so the impact will not be significant.

In addition, the ICBC Global Travel Credit Card has also been widely praised and is known as a must-have all-currency credit card overseas. It is a very good choice whether it is business travel, travel, overseas shopping or overseas study. (2015 ICBC VISA full-currency ICBC Global Travel Credit Card is a must-have overseas)!

Commercial Bank PK Judging from other commercial banks, China Merchants Bank’s all-currency international credit cards also waive annual fees, which is also good. The Postal Savings Bank dual-label full-currency credit card is applicable both abroad and domestically. It is a dual-label card with the UnionPay and MasterCard logos. It basically has the functions of other full currencies, and can be used for overseas consumption and overseas shopping. There are many, and the status of Bank of China's all-currency chip card among the four major banks is the same. Although Postal Savings Bank's credit cards may not be as famous as those of other banks, this Postal Savings Bank's double-standard all-currency credit card is definitely worth it. Introduction (2015 Minsheng Visa all-currency card enjoys cashback 6 for overseas consumption)!

For domestic users who swipe a lot of cards, Visa single-channel will undoubtedly cause a lot of inconvenience. It is better to consider Visa/Master UnionPay dual-channel credit cards, such as ICBC Global Travel Credit Card, China Construction Bank Dragon Card Global Payment Credit Card, Postal Savings Bank dual-label credit card in all currencies. There is not much difference in the functions of these credit cards, but comparing the additional benefits and discounts of the two cards, ICBC Global Travel Credit Card and Postal Savings Bank Dual-label Full-Currency Credit Card are both very good.

Which bank’s credit card is the best for studying abroad?

There are many credit card choices for studying abroad. For example, full-currency credit cards and international credit cards are very good. The editor believes that in this era of relatively developed technology and continuous growth in education, studying abroad is no longer a distant dream. It has become a very daily pursuit of people nowadays. Going abroad is already considered a dream. A very simple operation. Then when we go abroad, we need to exchange the currencies of various countries, so credit cards become a very important medium. So recently some friends have asked what kind of credit card is more suitable for studying abroad? The editor will answer this question with your friends by searching for relevant information.

(1) All-currency credit cards.

Full-currency credit card is currently a credit card launched to promote people’s consumption abroad. It can support consumption at various merchants. After consumption, it can be exchanged for RMB , can be said to be a very practical credit card type. I believe that friends will be very excited after hearing the description of this all-currency credit card, because it can save us a lot of unnecessary troubles.

(2) International credit cards.

International credit cards can be said to be a type of credit card that was promoted very early. It is also divided into two types. One is universal, such as ICBC. Its function is similar to that of a full-currency credit card, but it still requires many more steps than a full-currency credit card. It can be said to be a more troublesome type, but if you use a full-currency credit card, you can use big data Processed so that it can be converted into RMB, this will reduce a lot of unnecessary burdens on people.

Of course, how to choose the type of credit card depends on your personal needs. If you have specific questions, you can inquire the relevant information accordingly to apply for a credit card that suits you.

Okay, the above is the little information the editor has brought to you. If you want to know more, you can leave a comment in the comment area below!

Which credit card is the best among the five major banks?

Industrial and Commercial Bank of China Credit Card, Bank of China Credit Card, China Construction Bank Credit Card, Agricultural Bank of China Credit Card, and Bank of Communications Credit Card

The introduction is as follows :

1. Bank of China Credit Card

Bank of China Credit Card is an international standard credit card with one card and two currencies, which is universal around the world. No early repayment is required. You can easily spend at home and abroad with the card within the limit, and enjoy interest-free loans for up to 50 days. Bank of China's overseas branches are located in 20 countries and regions around the world.

The Bank of China Credit Card does not require a guarantor, deposit or cash deposit. To apply for a Bank of China credit card, you only need to fill out the "Bank of China Credit Card Application Form" and attach copies of your identity document, permanent residence certificate, and financial documents.

2. Industrial and Commercial Bank of China Credit Card

The Industrial and Commercial Bank of China Credit Card is the most widely issued credit card in my country. At present, the main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to the credit rating, they are divided into: Platinum card, gold card and ordinary card; according to the card issuance pair, they are divided into business cards and personal cards, and personal cards are divided into main cards and supplementary cards.

3. CCB Credit Card

CCB Credit Card is a credit card issued by China Construction Bank. Credit cards issued by China Construction Bank are called "long-term cards", including prestigious school cards, business cards and car cards.

4. Bank of Communications Credit Card

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals, pursuits, know how to enjoy, and are more willing to strive for life and career. Sometimes some people need to study, do business, research or travel abroad.

Bank of Communications Credit Card They are also a group of people with high living standards who are willing to try new consumption habits. "The Bank of Communications Pacific Credit Card is a credit card product launched by Bank of Communications based on the introduction of HSBC's advanced technology and management. It combines global and local advantages, takes "China Global Card" as its main purpose, advocates a new consumer culture and card experience, and provides preferential and considerate services on a global scale.

5. Agricultural Bank of China Credit Card

Golden Harvest Credit Card is based on creating new life experiences for cardholders and is committed to becoming the most trusted credit card brand for cardholders. Jinsui Credit Card focuses on innovation. According to different customer groups, it has launched a series of products such as standard series cards, business card series, platinum cards, various regional co-branded cards, and specialty cards to lead the needs of different customer groups.

In addition to providing a series of considerate services such as increasing the temporary limit at any time, self-service activation, 24-hour free customer service hotline, zero risk of card loss, timely SMS notification, consumption password selection, emergency assistance, and multiple repayment methods. , and also combines outlets, networks and other advantageous products to spread across urban and rural areas, forming a strong functional advantage.