You can choose a credit card such as visa or MasterCard.

In the bills paid by cardholders for overseas card consumption, the card fee is generally between 3% and 4%. International card organizations such as visa or MasterCard charge international transaction fees to the card issuer for each transaction. 1% to 1.5%. Although it is charged to the bank, this fee is actually borne by the cardholder; in addition, each bank charges a handling fee or exchange fee, which is between 1% and 2%.

The handling fee for overseas credit card swiping of most banks is 1.5%. For example, China Construction Bank, Bank of China, China Merchants Bank, Industrial Bank, Guangfa, etc. all charge 1.5%, Everbright 1.7%, and Shenzhen Development Bank and Bank of Communications both charge 1.75%. , Shanghai Pudong Development Bank implements the 2% standard.

If it is a UnionPay single-currency credit card, or a dual-currency credit card with UnionPay and VISA (or MasterCard) dual logos, there will be no handling fees when swiping the card overseas to use the UnionPay route.