Your China Merchants Bank Fuzhou Haixi Credit Card is a UnionPay logo single currency credit card. When you swipe your card in Hong Kong, the handling fee is borne by the merchant, not you. In addition, all credit card transactions in Hong Kong will be automatically converted into RMB for bookkeeping by UnionPay, and there will be no currency exchange fees caused by third-party clearing in this process. For example, if you swipe your Haixi card in Hong Kong to buy goods worth HK$ 100, you will receive a short message (the mobile phone needs international roaming before going to Hong Kong) telling you that there is a transaction of RMB in 82 yuan. This is the amount after UnionPay is automatically converted into RMB for bookkeeping. This does not include credit card fees or currency exchange fees. If you are a dual-currency card, you will use the channels of international settlement organizations such as VISA and MASTERCARD when you swipe your card in Hong Kong. HK$ 65,438+000 will be converted into US dollars for bookkeeping, and V or M will be charged an additional currency conversion fee of 65,438+0%. You can exchange dollars or return RMB when you go back, but if you return RMB, you have to open the RMB purchase repayment function to China Merchants Bank, which will cause some exchange rate losses.
In short, there is no handling fee for swiping Haixi card in Hong Kong.