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.
YOUNG Card Youth Edition (Weibo Daren Card, GQ Co-branded Credit Card, Colorful Yunnan Credit Card, City Theme Series Gold Card) is free to withdraw cash for the first time every natural month, and overseas cash withdrawal should also be suitable for this discount (normal interest charge). & amp#8205;
Overseas (including Hong Kong, Macao and Taiwan) all-currency credit cards are calculated at 3% per transaction, and the minimum charge is 30 yuan or USD 3 per transaction (the minimum charge for overseas American Express Platinum Card and Black Gold Card is USD 5);
Interest (charged by all credit cards): interest-free repayment is not available for cash withdrawal. From the trading day, interest will be charged at the daily interest rate of 0.5 ‰, compounded monthly until the settlement date.
Recommend some cards:
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.
Guangfa Platinum Credit Card
With GDB Platinum Credit Card, you can enjoy high-speed rail VIP room (currently not provided by other banks), airport VIP room and other value-added services:
Green channel for medical treatment: you can enjoy VIP appointment registration service and medical guidance service three times a year in major cities in China free of charge, and give priority to the appointment of designated time and experts, accompanied by experienced guidance personnel to help complete the work of paying fees and taking medicines, so as to see a doctor easily.
Business VIP courtesy:
● Intimate VIP courtesy, quiet and comfortable exclusive space and convenient green passage.
1). airport VIP courtesy: exclusive lounge, agency procedures, boarding reminder, long-distance ferry, etc.
2). High-speed rail VIP courtesy: convenient location, close to the ticket gate, escorted by special personnel, priority boarding.
● You can enjoy the privileges of Guangfa's exclusive airport and high-speed rail VIP room unlimited times without making an appointment.
Free Longteng Card, 6 times (6 o'clock)/year Longteng Airport VIP lounge and 4 times (2 o'clock)/year Longteng high-speed rail VIP courtesy. Only 150 yuan/minute will be charged if the bonus points are exceeded.
Covering more than 200 major cities at home and abroad, such as Beijing, Shanghai, Guangzhou, Shenzhen, Hongkong, Tokyo and new york.
Tips:
1). VIP courtesy of the airport and high-speed rail is for personal use only. If you can take it with you, you need to pay: the escort fee for Guangfa exclusive airport/high-speed rail VIP room is subject to the quotation published on the spot; Longteng Airport/high-speed rail VIP room charge 150 yuan/point.
2) Due to the different conditions of VIP rooms in different places, the service items, service facilities and service processes that can be provided are also different. Please refer to the local actual service for details.
Multi-point gift (exclusive to Platinum Card): You can enjoy 3 times of points accumulation when spending on business trips or overseas merchants with Guangfa Platinum Credit Card? .
High travel accident insurance: 5 million yuan travel accident insurance is included with the card, which can also benefit family members of the same company, so that Guangfa Platinum Credit Card holders can enjoy intimate protection in every trip with their families.
Emergency call service? If GDB Platinum Credit Card holders need a temporary car for business trip or holiday, just call the service hotline, and Guangfa Bank will arrange a special car for GDB Platinum Credit Card holders to use, and the price is exclusive.
Global preferential merchants? : VIP treatment of global preferential merchants, enjoying exclusive treatment and discounts of top merchants such as five-star hotels, high-end restaurants and luxury brands.
Global Travel Support Service: When GDB Platinum Credit Card holders encounter difficulties during travel or business trip, they can call the 24-hour global emergency support service hotline at any time and enjoy a number of emergency support services, including: emergency card replacement, emergency cash advance, translation service, luggage loss assistance service, etc.
International personal assistant? When GDB Platinum Credit Card holders or their families are abroad, GDB Platinum Credit Card holders can call the 24-hour Platinum Service Line at any time to provide intimate services such as restaurant reservation, hotel reservation and medical treatment as required.
Vip service line? : 24-hour VIP line service, with exclusive secretarial services provided by experienced service experts.
Exclusive fee reduction? GDB Platinum Credit Card holders can enjoy a number of fee reductions, such as domestic consumption list reading fee, overseas payment voucher reading fee, and over-limit fee.
Counter priority service? : GDB Platinum Credit Card holders can enjoy VIP priority service at the outlets where Guangfa Bank opens VIP service windows, and give priority to various businesses.
Integral mall commodity exchange discount? GDB Platinum Credit Card holders can enjoy a 15% discount on all goods in integral mall Platinum Zone of Guangfa Bank, which will make GDB Platinum Credit Card holders' points appreciate faster.
Automatic RMB settlement for global transactions? : The function of "RMB World Link" is automatically opened for GDB Platinum Credit Card holders, and all overseas international transactions are automatically converted into RMB transactions, which can be repaid directly in RMB through RMB repayment channels, saving GDB Platinum Credit Card holders the procedures and fees for purchasing foreign exchange.
Free transaction security guard: GDB platinum credit card holders use the card to escort security. When the cardholder's card is lost, stolen, forged or the card information is leaked, Guangfa Bank will provide compensation protection regardless of whether it is paid by password. There is also a free transaction reminder message, so that Guangfa Platinum Credit Card holders can keep track of account changes at any time.