2. mastercard international route, put it into the US dollar account and return it to the US dollar after returning to China. Dollar returned = 100 riyal * RMB exchange rate against riyal * 1.5%. Of which 1.5% is the exchange fee charged by international organizations.
Reminder: Although the second point is the US dollar account, there are two ways to repay. You can directly deposit US dollars into a credit card (for example, you can change US dollars into credit cards at the counters of various outlets), or you can dial the 400 number in the credit card center and deposit the corresponding RMB to purchase foreign exchange repayment (multiply the actual recorded US dollars by the exchange rate at that time to give you a reference value, and notify customer service to purchase foreign exchange repayment after depositing RMB).
There is no handling fee for credit card and foreign exchange purchase. There is no handling fee for taking the UnionPay route, only foreign currency exchange fees from international organizations are charged, and no other fees are charged.