The comparison of visa credit cards from major banks is as follows. 1. ICBC - Multi-Currency Credit Card ICBC Multi-Currency Credit Card is the "veteran" among similar cards. In addition to the RMB account, the card also has 10 accounts in other currencies, including US dollars, euros, Hong Kong dollars, and pounds. , Japanese Yen, Singapore Dollar, Canadian Dollar, Australian Dollar, Swiss Franc and New Zealand Dollar. When the cardholder pays using the UnionPay line, the money will go directly into the RMB account. If the cardholder uses the MasterCard line, the money will go into the corresponding account according to the local currency. For example, when spending money in New Zealand, you can directly record it in New Zealand dollars, and when you spend money in Euros, you can directly record it in Euros. This way, there are no currency conversion fees during the entire process. It is also very convenient to repay the outstanding balance of the card. According to ICBC staff, as long as you have an ICBC debit card and bind it to your credit card, you do not need to queue up at the counter to exchange currency, let alone make an appointment to exchange currency. Use RMB deposits to purchase foreign exchange for repayment, and convert according to the exchange rate on the repayment date to save time and effort. Of course, this automatic foreign exchange purchase function requires cardholders to check the relevant options when applying for a card and ensure sufficient deposits in their RMB accounts. 2. Agricultural Bank of China - Golden Harvest World Credit Card The biggest feature of the World Credit Card launched by Agricultural Bank of China is that you can make purchases and withdraw cash in any currency and through any channel around the world without any currency conversion fee. In other words, no matter where you are in the world, no matter what the local currency is, as long as you use this card to make purchases, there will be no additional handling fees, which makes the discount more widespread. However, it is worth noting that unlike the ICBC multi-currency credit card, the Golden Harvest World Card only has two accounts, RMB and Euro. When the cardholder uses UnionPay channels to swipe the card outside, the money will be directly converted into RMB and credited to the RMB account. When taking the MasterCard route, the local currency will be converted into Euros. This means that there is actually a conversion process in the currency itself, rather than being directly entered into the account. It is just that the Agricultural Bank of China implements a fee-free policy for cardholders. Because of this, cardholders should pay special attention to the validity period of this policy. The current information on the official website of the Agricultural Bank of China shows that it ends on December 31, 2015. Cardholders do not have to worry about repayment. It is reported that the card will display the amount owed in the RMB account, the amount owed in the Euro account, and the total amount owed (in RMB) after the euros are converted into RMB when the bill is issued. If you hold euros, you can go to the counter to repay directly. If you don't hold euros, you only need to repay the total amount owed in RMB. On the last repayment day, the system will automatically purchase foreign exchange for repayment without any operation. . 3. Bank of China - All-Currency International Chip Card Just hearing the name of this credit card, it is not difficult to discover its two major features. First, by using the card to make purchases or withdraw cash at any time, in any place, and in any transaction currency, cardholders can enjoy discounts on currency conversion fees. Second, the card adopts the internationally accepted EMV chip standard and uses a chip and magnetic stripe composite card, which can effectively reduce the risk of counterfeiting and fraud. In fact, the reason why this card can waive currency conversion fees is because the card only has one U.S. dollar account, and all currency transactions of the cardholder will enter this account, and the cardholder can freely choose whether to transfer the outstanding currency when opening the card. The payment will be automatically settled in RMB. Once selected, the amount owed will automatically be converted into RMB when credited into the account. In other words, there is a conversion process from currency transaction to account entry, but according to the information on the official website of Bank of China, free discounts will be implemented from now until June 30, 2014. If there is no selection, all accounts will be recorded in US dollars. It is worth mentioning that this card combines the dual functions of a savings card and a credit card. Cardholders can enjoy current interest when they deposit their spare money into the card. However, since the card does not have the UnionPay logo, when making domestic purchases, transactions can only be made through Visa. 4. China Construction Bank - Dragon Card Global Payment Card Dragon Card Global Payment Card has two accounts, RMB and USD. However, according to the staff, when the cardholder conducts foreign currency transactions, including card consumption, online consumption, cash withdrawal, etc., it will be automatically Foreign exchange purchases are converted into RMB and credited into the card's RMB account. For cardholders, they only need to repay the money in RMB.

In other words, even though the card has dual accounts, the outstanding balance will be automatically transferred to the RMB account (whether through the UnionPay channel, Visa, or MasterCard channel). Although there is currency conversion in this process, CCB currently exempts foreign currency exchange procedures. Fee discount. Likewise, we remind cardholders to pay attention to the validity period of relevant policies. 5. China Merchants Bank - All-Currency International Credit Card China Merchants Bank's all-currency international credit card is a credit card with a single Visa logo. All transactions on the card will automatically purchase foreign exchange and enter it into the account in RMB. As for the conversion fee between currencies, the card enjoys exclusive exemptions. That is to say, at present, cardholders can be exempted from paying the 1.5 fee (please pay attention to the information of China Merchants Bank for subsequent preferential policies). Moreover, after the account is denominated in RMB, the bill received by the cardholder will also show the amount in RMB. When repaying, you do not need to calculate how much foreign currency you spent, you only need to repay the bill directly in RMB according to the bill amount. According to information on the official website of China Merchants Bank, the card can enjoy no annual fee without any additional consumption conditions during the validity period, which can greatly reduce the stress of card holders. Even if you haven’t made any overseas purchases for a while (since the card only has a Visa logo, you can only use Visa channels for purchases, which is more common overseas, and domestic purchases cannot be made through UnionPay channels), you don’t have to worry about incurring annual fees. 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 launched by Postal Savings Bank of China UnionPay and MasterCard, which can be used offline and online with UnionPay, and more Card purchases can be made at more than 300,000 MasterCard online and offline merchants. The credit card has UnionPay and MasterCard dual networks for easy switching at home and abroad. It is the first dual-label card specially launched by the Postal Savings Bank with the UnionPay and MasterCard logos. It can be used both at home and abroad. , with one card in hand, you are worry-free