It's no use not going abroad.
China Merchants Bank's all-currency international credit card (also known as all-currency card) is a signed all-currency international credit card jointly launched by China Merchants Bank and VISA. The card supports VISA bank, and no matter what currency, the foreign exchange handling fee of 1.5% is exempted for consumption or withdrawal. All foreign currency transactions are automatically purchased in RMB and only need to be repaid in RMB. At the same time, the card has a high travel insurance gift.
The annual credit card fee of China Merchants Bank is RMB 100/year for ordinary cards and 300 yuan for gold cards. The annual fee is charged once a year. If you apply for two cards or supplementary cards at the same time, the annual fee for the second card or supplementary card is 1/2 of the first card. The annual fee is calculated from the issuing date of your card (the validity period below the credit card, and the previous date is the issuing date), not a natural year.
Is China Merchants Bank's all-currency card free of annual fee for life?
China Merchants Bank's all-currency credit card is free of annual fee for life.
All foreign currency transactions (including credit card, online shopping and withdrawal) automatically purchase foreign exchange, and enter RMB into the account, just pay back in RMB according to the bill.
Disadvantages of China Merchants Bank's all-currency international credit card: single Visa channel, no UnionPay logo, unable to repay with Alipay, domestic non-Visa channel credit card channel.
China Merchants Bank's all-currency international credit card (also known as all-currency card) is a signed all-currency international credit card jointly launched by China Merchants Bank and VISA. The card supports VISA bank, and no matter what currency, the foreign exchange handling fee of 1.5% is exempted for consumption or withdrawal. All foreign currency transactions are automatically purchased in RMB and only need to be repaid in RMB. At the same time, the card has a high travel insurance gift.
Extended data:
China merchants bank card function
1. One-to-many accounts include current and fixed savings accounts in RMB, USD, HKD, Japanese yen, Euro and other currencies.
2. All kinds of deposit and withdrawal business shall be handled at any branch of China Merchants Bank in the same city; Handle the off-site deposit and withdrawal business of RMB, Hong Kong dollar and US dollar current savings accounts at various outlets across the country.
3. After the deposit is automatically transferred to deposit, lump-sum deposit and withdrawal and expires, the bank will automatically transfer the deposit according to the original deposit period and bear interest.
4. Self-service Transfer After applying for the self-service transfer function at the counter of China Merchants Bank, you can directly use the self-service channels related to e-banking to handle the following businesses:
① Transfer funds between the "all-in-one card" in the same city and the passbook through online banking, mobile banking, ATM self-service equipment, self-service inquiry terminals and other channels;
② Transfer money to any pre-designated account through online banking, mobile banking, ATM self-service equipment and self-service inquiry terminal channels;
③ Transfer money to any third party account through online banking, mobile banking, ATM self-service equipment and self-service inquiry terminal channels;
Special note: It is used to handle regular and regular transfers between RMB or foreign currency accounts of the same type in the same "one card". You don't need to go to the counter to apply, and the computer system will automatically open.
5. Merchants' consumption shall be settled directly at China Merchants Bank and China UnionPay special merchants.
6.ATM withdrawal: RMB current withdrawal, password modification, third-party transfer and current account balance inquiry are handled at the ATM where China Merchants Bank opens an account; RMB demand withdrawal can be handled at the ATM at the non-account opening place of China Merchants Bank; You can also handle RMB current withdrawal and current account balance inquiry at ATMs of other banks that have joined China UnionPay.
7. The self-service deposit machine can handle RMB demand deposit, lump-sum deposit and withdrawal, lump-sum deposit and withdrawal and other businesses. Self-service deposit machine for opening an account in China Merchants Bank; One card can be deposited in any self-service deposit machine of China Merchants Bank without a card, and the deposit without a card does not support the old eight-card deposit of our bank.
8. Inquire about the counters of China Merchants Bank, self-service banking, telephone banking, online banking, mobile banking and other channels, and provide customers with deposit interest rates, exchange rates, business profiles and various account inquiries.
9. Telephone Banking China Merchants Bank Telephone Banking provides automatic voice service and manual service.
(1) directly dial 95555, and according to the automatic voice prompt, you can handle business such as account inquiry, transfer and loss reporting.
②95555 telephone banking manual service can provide 24-hour business consulting service and accept customer complaints.
10, Mobile Banking As the first financial enterprise in China to launch mobile banking, China Merchants Bank has continuously innovated and launched a series of new-generation mobile banking products, including iPhone version, JAVA version, mobile version, Web version and WAP version. To meet the diverse needs of customers.
1 1. After applying for the function of "Online Personal Banking Professional Edition" at the counter of China Merchants Bank, online banking can realize the synchronous management of one card, passbook and credit card, and carry out transfer and remittance, self-service payment, investment management, loan management, financial planning, financial analysis and functional application.
12. Online Personal Banking Popular Edition uses China Merchants Bank Card. You can directly handle the following personal banking services through online personal banking (Popular Edition): account inquiry, self-service transfer, self-service payment, online payment, investment management, loan management, etc.
13. Online Payment After applying for the "online payment" function at the counter of China Merchants Bank or online banking, the special merchants in the online shopping mall of China Merchants Bank can purchase goods or enjoy other services online, and simultaneously complete the payment of consumption funds.
14. Bank-securities transfer After applying for the bank-securities transfer service function at the counter of China Merchants Bank or the special securities company of China Merchants Bank, the mutual transfer of funds between the current account opened in the designated securities company and the securities margin account can be realized through self-service equipment such as China Merchants Bank telephone banking and online banking. This function is mainly applicable to the transfer of foreign currency funds between current account and securities deposit.
15. After the third-party depository is specified in advance at the counter of the brokerage firm and the third-party depository function is confirmed at the counter of China Merchants Bank (some brokers can open one-stop accounts for the third-party depository at the counter of the brokerage firm), the mutual transfer of funds between the current account and the securities depository account opened at the designated brokerage firm can be realized through the self-service equipment of electronic banking such as telephone banking and online banking of China Merchants Bank. This function is mainly applicable to the transfer of RMB funds between current account and securities deposit.
16. Yinjitong can handle the purchase, subscription and redemption of various open-end funds through the counter, telephone banking, online banking and mobile banking, while other open-end funds are handled at the counter.
17. Entrusted wealth management can inquire about wealth management products, account positions, current transaction entrustment, account historical transactions and other information through our counter, telephone banking, online banking and mobile banking, and can handle the subscription, purchase, redemption and cancellation of our wealth management products.
18, the insurance agency business can purchase all kinds of insurance products at various branches of China Merchants Bank with the insurance information such as this card, insurance application form and identity documents, and enjoy telephone sales and online sales of insurance financing services.
19. With the opening of the personal gold trading business of "lucky money" in the corresponding channel of China Merchants Bank, the gold business can be entrusted and inquired about the trading of various precious metals listed on the exchange through different channels, and the personal gold and silver investment and purchase business of China Merchants Bank can be handled through the counter channel of China Merchants Bank.
20. After applying for personal foreign exchange trading business at the counter of China Merchants Bank or the professional version of online banking, you can handle foreign exchange trading entrustment, inquiry and other businesses in channels such as telephone banking, self-service inquiry terminal, professional version of online personal banking and professional version of wealth account of China Merchants Bank. Customers can easily participate in and invest in the international foreign exchange market to obtain certain investment reports.
2 1. Self-service loans are pledged by self-owned local and foreign currency time savings deposits stored in the one-card of China Merchants Bank after signing an agreement with China Merchants Bank. You can apply for a loan from China Merchants Bank through electronic banking self-service equipment such as telephone banking, online banking and self-service terminals, and you can make self-service repayment through the above channels.
22. Self-service payment after applying for the self-service payment service function at the counter of China Merchants Bank or through electronic banking channels such as telephone banking, online banking and mobile banking. Pay various fees to the special charging unit of China Merchants Bank through telephone banking and online banking of China Merchants Bank.
23. Agency business According to the written entrustment of the unit or individual, the bank can pay wages or remit various expenses for the unit or individual.
References:
All-in-one card | Change for you and realize your dream _ China Merchants Bank
Introduction of China Merchants Bank's Full Currency International Credit Card
Hello, China Merchants Bank's all-currency international credit card 1) All-currency international credit cards can automatically purchase foreign exchange in RMB for repayment; 2) There are no additional conditions to exempt the annual credit card fee during 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 other bank transfer, counter connection, Lacarra, etc.). ) temporarily. 1, if you have more than one CMB credit card under your name, you can return it to the credit card marked with UnionPay through any repayment channel, because the bills of all currency cards are also issued together; 2. If there is only one full-currency card in your name, the repayment methods such as counter cash payment, counter transfer payment, automatic deduction, online banking public version, professional version payment, CDM cash deposit, pocket life, mobile banking, Alipay and Tenpay are currently supported. You can click on the link to learn:
Is there an annual fee for China Merchants Bank's all-currency international credit card?
China Merchants Bank's all-currency international credit card is free of annual fee. China Merchants Bank's all-currency international credit card is the first chip credit card in China that meets the international EMV standard and has VISApayWave function. It is characterized by both the traditional magnetic stripe identification system and the highly integrated chip as the information carrier, which lays a solid foundation for the security and function expansion of credit cards.
In addition to all the financial functions of traditional magnetic stripe credit cards, China Merchants Bank's all-currency international credit card will provide cardholders with higher security, more functional services and richer user experience.
Extended data:
Introduction of Six Functions of China Merchants Bank's Full Currency International Credit Card
(1) 0 foreign exchange fee for global consumption of any foreign currency
No matter when, where and what kind of foreign currency customers use, the foreign exchange handling fee of 1.5% will be exempted when spending or withdrawing money with this card, making it more convenient for customers to spend.
(2) If you consume foreign currency in any country in the world, you must repay RMB.
No matter where customers conduct foreign currency transactions in the world with this card, they can automatically purchase foreign exchange into RMB accounts, and customers only need to repay in RMB easily, which saves customers the trouble of purchasing foreign exchange and makes travel easier!
(3) VISA network covering the whole world, paying with peace of mind.
Customers can enjoy the quality credit card service provided by VISA, one of the largest card organizations in the world, with 36 million special merchants in more than 200 countries and regions overseas.
(4) Giving away high travel insurance.
Customers can get travel inconvenience insurance and aviation accident insurance of up to 2 million yuan for free as long as they buy their air tickets in full or pay 80% or more of the tour expenses without going through any formalities and paying any fees, thus providing customers with the best travel protection.
(5) There are no additional conditions for annual fee exemption within the validity period.
If you hold this card within the validity period of the card without any additional consumption conditions, you will be exempted from the annual credit card fee.
(6) Global emergency loss reporting, cash withdrawal and card replacement services.
For more credit card quality services and preferential contents, please visit the credit card website of China Merchants Bank or VisaSignature Chinese website.
China Merchants Bank's All-Currency International Credit Card-One Card Worldwide
China Merchants Bank Full Currency International Credit Card-Card Introduction
Conditions for handling all-currency international credit cards of China Merchants Bank
According to the Articles of Association of Bank Credit Card (Ninth Edition), the conditions for handling China Merchants Bank's all-currency international credit card are as follows:
Article 7 China residents who have reached the age of 18, have full civil capacity and good credit standing, foreigners with full civil capacity and compatriots from Hong Kong, Macao and Taiwan who have full civil capacity can apply to the card issuer for a personal credit card master card with their valid identity documents.
Personal cardholders can also apply for supplementary cards for specific natural persons with full civil capacity or natural persons with limited civil capacity. Supplementary card application materials must be confirmed by the main card holder by personal signature, customer service telephone recording, electronic signature or the way recognized by both the cardholder and the card issuer. The main cardholder can apply for cancellation of the supplementary card at any time.
The cardholder of the secondary card and the cardholder of the primary card * * * use the same account credit line, and the cardholder of the primary card can set the usage limit of the secondary card in a billing cycle within the account credit line. All transaction funds and corresponding interest and expenses of the main card and the auxiliary card are recorded in the same account, and the cardholder of the main card is responsible for all debts incurred under the main card and the auxiliary card.
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Matters needing attention for all-currency international credit cards:
1. The automatic foreign exchange purchase function is turned on by default and cannot be cancelled. RMB and foreign currency consumption are credited for repayment, and foreign currency repayment is not supported.
2. Single-label credit card in foreign currency does not support repayment through UnionPay channel (including transfer from other banks, counter service, Lacarra credit card, etc.). ).
3. 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, it is recommended to apply for other credit card products of China Merchants Bank.
Official Website of China Merchants Bank-Credit Card Charter of China Merchants Bank
The introduction of China Merchants Bank's all-currency credit card and China Merchants Bank's all-currency credit card handling fee is over. I wonder if you found the information you need from it?