Conclusion: When using the ICBC Visa credit card for consumption abroad, if you use the UnionPay route, there is usually no handling fee, but if you use the Visa or MasterCard route, some fees will be involved. Among them, the international transaction fee charged by international card organizations from the card issuer is generally between 1 and 1.5, and this part of the fee is ultimately borne by the cardholder. The bank will charge a handling fee of 1 to 2, and the specific rate varies from bank to bank. For example, ICBC is 1, and other common banks such as China Construction Bank and Bank of China are 1.5. It is worth noting that if the consumption currency is different from the credit card settlement currency, such as using a US dollar card to consume euros in Europe, a currency conversion fee of 1.5 will be incurred. The bank may also charge settlement fees under certain circumstances if the transaction currency is the same as the card account currency. Therefore, when using a Visa credit card overseas, it is recommended to pay attention to the credit card's terms of use and the bank's specific charging policy.