Our all-currency credit card has the following characteristics: 1. Travel around the world, swipe your card without worry, and free of currency exchange fees. 2. Automatic purchase of foreign exchange and repayment in RMB. 3. High travel insurance gifts. 4. Free of annual fee without additional conditions. 5. This card only supports VISA line transactions, and it is recommended for users who travel overseas and buy online overseas. If you use it mainly in China, you are advised to apply for other credit card products of China Merchants Bank. 6. All-currency international credit cards do not support UnionPay channel repayment for the time being (including UnionPay fixed-line terminal, counter connection, Xinfutong Lacarra and UnionPay ATM transfer, etc.).