Hello, I recommend China Construction Bank's global payment credit card. This is a standard platinum credit card with double standards of UnionPay and VISA, which is widely used in China. Overseas foreign currency transactions are directly converted into RMB according to the exchange rate of foreign exchange purchased by CCB, with no exchange fee. Repayment is made directly in RMB, and there is no need to purchase foreign exchange in RMB. The annual fee for this credit card is 580 yuan/Card. If you swipe your card ten times a year or withdraw money ten times a year, you can avoid the annual fee without any restrictions (online transactions are also counted, and it is easy to avoid the annual fee); In terms of preferential activities, overseas credit card consumption or Haitao cashback activities have been carried out for a long time, and the reputation is quite good; This credit card can fill in the application form and submit it to CCB outlets, or you can apply directly online. You can ask CCB customer service for details.