1. In the bill of overseas credit card spending by cardholders, the credit card handling fee is generally between 3% and 4%. Among them, international card organizations such as visa or MasterCard charge the card issuer an international transaction fee of 1% to 1.5% for each transaction. Although it is collected from the bank, this fee is actually borne by the cardholder. In addition, banks charge handling fees or exchange fees ranging from 1% to 2%.

2. Most banks charge overseas credit cards 1.5%. For example, CCB, BOC, China Merchants Bank, Xingye and Guangfa are all 1.5%, Everbright 1.7%, Shenzhen Development Bank and Bank of Communications are all 1.75%, and Pudong Development implements the standard of 2%.

3. If it is a UnionPay single-currency credit card, or a dual-currency credit card with UnionPay and VISA (or MasterCard) double logos, there is no handling fee for swiping the card overseas and taking the UnionPay line.

Extended data:

Table of handling fees for various bank cards

1. Industrial and Commercial Bank of China: the card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 300 yuan. In 3 yuan/quarter, the debit card withdrawal fee of our bank in the same city is free, and the inter-bank withdrawal in the same city is 4 yuan/transaction; Credit card deposits in different places are free of handling fees, and the minimum for each withdrawal is 1% of the amount charged, and the maximum is 1 yuan, and the maximum is 50 yuan.

2. Agricultural Bank of China: the credit card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 300 yuan/quarter, and 2 yuan/pen is withdrawn from banks in the same city (4 yuan, Guangdong); 1% of the amount charged for cash withdrawal by credit card, with a minimum of 1 yuan/transaction, and other banks will add 2 yuan inter-bank handling fee.

3. China Construction Bank: the card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged in 3 yuan/quarter and the withdrawal amount of inter-bank withdrawal in 4 yuan 1%.

4. Bank of China: the card processing fee is 5 yuan, the annual fee is 10 yuan/year, and the small account management fee is not charged, and the bank in the same city withdraws 4 yuan/transaction.

5. Bank of Communications: the card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 500 yuan/quarter. The same city/transaction bank withdraws money from 2 yuan.

6. Postal savings: credit card processing fee in 5 yuan, inter-bank withdrawal in the same city 4 or 12 yuan/transaction. Most provinces and cities do not charge annual fees and small account management fees.

7. China Minsheng Bank: It is free to apply for the card, with no annual fee and no small account management fee (except Shenzhen), and the first three withdrawals in the same city are free every month, and then 2 yuan/transaction.

8. China Everbright Bank: Card handling is free, with no annual fee and no small account management fee. The first three withdrawals in the same city are free every month, and the next one is in 2 yuan.

Baidu encyclopedia-handling fee