According to inquiries on Mafengbao, we learned that a full-currency credit card is a credit card that can support consumption or cash withdrawal in multiple foreign currencies. Currency exchange fees can usually be waived or reduced, making it suitable for those who frequently travel abroad or do overseas shopping. people use. Which bank is best may depend on different needs and preferences. The following are the features and advantages of some common all-currency credit cards:
Bank of China all-currency international chip card: This card has an EMV chip, which is highly secure and can be used for foreign chips that do not support magnetic stripe cards. POS machine. This card can waive currency exchange fees until June 30, 2023. After this card turns on the RMB accounting function for global transactions, all foreign currency transactions will automatically purchase foreign exchange and deposit it into the account in RMB. You only need to repay the bill in RMB. This card also offers benefits such as double points for foreign currency purchases and 30% off on selected American Express dining options.
ICBC Global Travel Card: This card supports direct payment in 10 foreign currencies including US dollars, Euros, Hong Kong dollars, British pounds, Australian dollars, Japanese yen, Singapore dollars, Canadian dollars, Swiss francs and New Zealand dollars, no currency required. Convert. This card can turn on automatic foreign exchange purchase, then the debit card will automatically purchase foreign exchange and repay on the repayment date. If automatic foreign exchange purchase is turned off, manual foreign exchange purchase and repayment will be required. This card also has dual-channel UnionPay and MasterCard privileges, including unlimited platinum card access to the airport’s international VIP lounges.
China Construction Bank Global Payment Card: All foreign currency transactions with this card (including credit card swiping, online shopping, and withdrawals) automatically purchase foreign exchange and deposit it into your account in RMB. You only need to repay the bill in RMB. This card waives currency conversion fees and has no expiration date. This card also has an EMV chip and can be used in foreign chip POS machines that do not support magnetic stripe cards. This card also has dual-channel UnionPay and VISA (MasterCard) benefits, and is free of annual fees for swiping the card 10 times.
China Merchants Bank All-Currency International Credit Card: This card has no annual fee for life. All foreign currency transactions with this card (including card swiping, online shopping, and withdrawals) automatically purchase foreign exchange and deposit it into your account in RMB. You only need to repay the bill in RMB. This card waives currency conversion fees and has no expiration date.