If the credit card is a dual-label card with "UnionPay non-global payment" on the card surface, you can choose the corresponding card swiping machine to swipe your card overseas 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.
If you swipe your card online, it will be settled in US dollars, so 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. For example, a credit card is a single-label card with only VISA, MASTERCARD, JCB or American Express. According to relevant preferential policies, currency exchange fees are exempted.
Recommend several discount cards:
Guangfa Bank Platinum Card (automatic RMB settlement for global transactions): the function of "RMB World Link" is automatically opened, all overseas international transactions are automatically converted into RMB transactions, and only RMB repayment can be made directly through RMB repayment channels, eliminating the formalities of purchasing foreign exchange and saving expenses.
Visa full currency card of China Merchants Bank.
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.
New tenants will get a "magic bag" abroad with a brush.
China Merchants Bank MasterCard Full Currency Card
1) MasterCard EMV chip card
2) support PayPass fast payment.
3) RMB repayment is free of foreign exchange charges.
4) Enjoy the courtesy of MasterCard World
5) Free of annual fee, giving away 2 million aviation accident insurance.
New tenants will get a "magic bag" abroad with a brush.
VISA full currency platinum credit card.
1) consumption abroad 0 currency exchange fee, enjoy 5% credit card fee feedback when registering.
2) There are no additional conditions for annual fee exemption within the validity period.
1. Upgrade the EMV chip card comprehensively and pay with peace of mind.
2. Global Currency 0 Foreign Exchange Fee Any foreign currency consumption RMB bookkeeping repayment
3. There are no additional conditions for annual fee exemption within the validity period.
Industrial Bank Full Currency International Credit Card, Platinum Card (Elite Edition).
If the settlement currency in this country is different from the credit card currency used, a foreign transaction exchange fee of 65438+ 0.5% of the transaction amount will be paid when using the credit card. Using Industrial Bank's all-currency international credit card for overseas transactions can save foreign exchange fees and extra expenses.
Industrial Bank's all-currency international credit card (VISA single brand) only supports offline transactions of VISA, while Industrial Bank's all-currency international credit card (MasterCard single brand) only supports offline transactions of MasterCard. Overseas travel and online shopping are recommended.
Bank of China full currency international chip card
No matter when, where and in what currency, the currency exchange fee for cross-border transactions will be reduced or exempted, and the preferential strength is 65438+ 0.5% of the transaction amount.
Holding a full-currency international chip card Platinum Card can enjoy double points in consumption abroad, and the points are permanent and valid, which can be accumulated bit by bit and enjoy colorful gifts.
No matter where you are in the world, foreign currency transactions with your card can be automatically converted into RMB, so you only need to easily return the RMB arrears and avoid the cumbersome procedures of purchasing foreign exchange. You can log in to online banking or call 4006695566 to open the people's bookkeeping service for global transactions. If you want to use US dollars for cross-border consumption and repayment, it is recommended to turn off this function.