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Can China Construction Bank use UnionPay card with visa to swipe its card in Thailand? Do I have to pay a handling fee to swipe my card at the duty-free shop?
CCB's dual-currency visa UnionPay credit card can be swiped in Thailand, and there is no handling fee for overseas swiping transactions. But there is a currency conversion exchange rate. The specific exchange rate is calculated according to the exchange rate of the day's transaction. If merchants can support UnionPay, they can use UnionPay channel to swipe their cards.

According to Article 13 of the Credit Card Charter of China Construction Bank?

The logo of the credit card organization or company (UnionPay single logo, UnionPay /VISA, UnionPay/MasterCard and UnionPay /JCB double logo) is printed on the card surface. Cardholders can spend money at special units with acceptance logo at home and abroad and other special units designated by banks, and withdraw cash at cash withdrawal outlets designated by domestic and foreign credit card organizations or companies or banks or ATM machines with acceptance logo.

Credit cards with foreign currency bills issued by credit card organizations or companies such as VISA, MasterCard and JCB can only be used outside China. The tourist card cannot withdraw cash in China, and the withdrawal of cash abroad shall not exceed the limit set by the bank; No matter at home or abroad, you can't withdraw cash from the gift card.

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Relevant clauses of China Construction Bank Longka Credit Card Collection Agreement

Party A may apply to Party B to purchase foreign exchange in RMB to repay credit card foreign currency debts. The exchange rate for applying for foreign exchange purchase shall be based on the spot selling price of the corresponding foreign currency in the spot settlement and sale quotation published by Party B on the same day, and the one published on the previous day shall prevail.

The exchange rate for repayment of foreign exchange purchased in the agreed account shall be based on the spot selling price of spot settlement and sale of foreign exchange announced by Party B one day before the deduction date. If Party A uses the credit line to purchase foreign exchange for repayment, this part of the credit line will be used as cash withdrawal, and interest will be charged from the date of purchase.

Baidu encyclopedia-longka

China Construction Bank-Credit Card Articles of Association