Calculate the exchange rate when swiping the card.
Just transfer money online every month. For example, if your card is RBC, transfer it from CHEQUING to VISA. CHEQUING's money can be transferred from China to your account.
But you have to go to the bank to find out your branch number, your account number and various numbers. Just tell them: My mother wants to send me money from China. Please tell me all the information I need to know.
Do it. They will give you a lot of data, such as bank address, bank number and so on.
Write it down, go back to China, go to the Bank of China or any bank that supports international remittance, and remit it to your Canadian card.