Currently, China Merchants Credit Card has two basic card payment lines, UnionPay line and international line (VISA, MASTERCARD, JCB or American Express, etc.).

Swiping a card on UnionPay lines will be settled directly in RMB;

Swiping a card on international lines will be settled in US dollars. Since overseas consumption by credit card will be settled in U.S. dollars, if the consumption amount is non-U.S. dollars, there will be an exchange fee between the two currencies, which is 1.5% of the transaction amount. The exchange fee is charged on behalf of the international organization. If the consumption amount is in US dollars, there will be no foreign exchange settlement fee. (If you use a full-currency credit card, you can spend any foreign currency around the world with 0 currency exchange fees. The foreign exchange purchase function will be automatically activated, and foreign currency consumption can be repaid in RMB.)