Overseas, you can choose the card swiping machine corresponding to the card swiping route according to the credit card organization logo on the credit card (such as VISA, MASTERCARD, JCB, American Express, UnionPay), and you don't need to open the card swiping function. UnionPay line credit card is directly settled in RMB; If you swipe your card on an international line, it will be settled in US dollars. Since the consumption outside the credit card will be settled in US dollars, if the consumption amount is not US dollars, there will be exchange fees between the two currencies. If you brush the UnionPay line or spend US dollars, there will be no settlement procedures.

1. For the consumption generated by using our credit card in non-US dollar countries through international organization lines (i.e. non-UnionPay lines), the cardholder has to pay 1.5% foreign exchange fee to convert the local currency into US dollars, and the subsequent US dollars have included this exchange fee (American Express Centurion Black Gold Card and American Express Centurion Platinum Card are paid at 2% of the settlement amount). 2. There is no foreign exchange handling fee for USD consumption. 3. UnionPay single currency credit card shall be handled according to the latest regulations of China UnionPay and our bank.

China Merchants Bank Full Currency International Credit Card

1) All-currency international credit cards can automatically purchase foreign exchange for repayment in RMB.

2) Free of annual credit card fee without additional conditions within the validity period.

3) Any foreign currency consumption in the world, 0 currency exchange fee.

Tips:

* This card has automatic foreign exchange purchase function by default and cannot be cancelled. RMB and foreign currency consumption are credited for repayment, and foreign currency repayment is not supported.

* This card cannot be used on the machines of UnionPay line or non-China Merchants Bank cooperative merchants. If you need to trade in the above channels, I suggest you apply for other credit card products of China Merchants Bank.

* All-currency international credit cards do not support UnionPay channel repayment (including transfer from other banks, counter connection, Lacarra, etc.). ). If you have more than one China Merchants Bank credit card in your name, you can return it to the credit card with the UnionPay logo when you repay. Repayment can be made through any channel, because the bill of the full currency card is also together.