Both domestic and foreign currencies in credit cards are counted as cash, and your Australian dollars are already stored in the Australian dollar card. If you take them out to make overseas wire transfers, there will be a handling fee on the credit card, and then there will be a handling fee for the banknote transfer. , and there are also handling fees for overseas wire transfers, which are very uneconomical. If you are going to Australia in the first place, just don’t use it to transfer money. Just pay it when you go there to spend money.

There will be no handling fee for paying Australian dollar cash directly with an Australian dollar card.

You can repay the Australian dollar card in China with just the card number.

There is no bank transfer fee when transferring cash deposits from bank accounts.

Only when making overseas wire transfers, you will be charged a banknote transfer fee if you use cash.