Credit card free of currency conversion fee

Agricultural Bank of China Jinsui Youyou World Credit Card is free of currency conversion fee worldwide.

Youyou World Credit Card of Agricultural Bank of China enjoys exclusive benefits free of currency conversion fee for consumption and withdrawal in any currency and channel in the world. It also has all-round benefits such as shopping and leisure, business travel and medical care, health care, etc. It is especially suitable for people who travel, do business, study abroad and "Haitao".

Annual fee 100 yuan, free in the first year, free in the second year after swiping the card for 5 times, and the interest-free period is up to 56 days. The credit line is 0-/kloc-0,000,000, and the withdrawal amount is 50% of the credit line. What are the exclusive functions and features of Agricultural Bank Jinsui Youyou World Credit Card?

(1) Global free currency conversion fee.

From now until 20 15, 12 and 3 1, cardholders can spend and withdraw money in any currency and through any channel all over the world, and the currency conversion fee (that is, the "international settlement fee", which is generally 1% of the transaction amount) is exempted, effectively saving the cost of overseas transactions.

(2) Convenient repayment

Cardholders can trade in any currency at home and abroad, and the bills can be automatically converted into RMB for repayment, or they can choose to repay directly in foreign currency (Euro), which is flexible and convenient.

(3) Gold card annual fee standard, platinum level courtesy

20 13 Free of annual fee in the first year, and free of annual fee in the following year if you swipe your card five times in the first year; Cardholders can enjoy the "Platinum Card/Business Card" in the "MasterCard Greater China Honor" for a long time. For details, please refer to MasterCard website shopping and leisure courtesy (IV).

1. Hong Kong, Macao and Taiwan credit card discount. From now until 20 13, 12 and 3 1, cardholders can get a 2% refund after registering on MasterCard website and swiping their cards through MasterCard network in Hong Kong, Macao and Taiwan.

2. Golf privileges. From now until 20 13 12 3 1, cardholders can enjoy a 3-6% discount on the green fee of the national 15 golf course.

(5) Courtesy of business travel

1. The highest courtesy at the airport. (1) At home and abroad 100, many airport lounges enjoy preferential charges. (2) limousine transfer fee concessions at several airports in Beijing, Guangzhou and Shenzhen. (3) Preferential fees for fast customs clearance at several airports in Beijing, Guangzhou and Shenzhen.

2. China Eastern Business Class "Two people walk together, one person is free". From now until 20 1 May 365438, 2004, cardholders can get business class tickets for the same flight by purchasing business class tickets for overseas designated routes through the website of Eastern Airlines.

3. Starwood hotels "stay for 2 nights 1 night". From now until 20 13, 12 and 3 1, cardholders can book and stay at Starwood Hotels and Resorts for three consecutive nights in China, Hong Kong, Macao and Taiwan, and enjoy the third night for free.

(6) Health care and courtesy

Cardholders can enjoy 7×24 hours global emergency medical assistance service for a long time, including travel care, medical assistance and emergency message delivery. For details, please contact ABC Credit Card Customer Service Hotline.

Note: 1. The "airport privilege" is provided by Longteng Card, and cardholders can use the airport VIP room service only after purchasing Longteng Card at a special price in the "MasterCard Zone" of Longteng Card website. Shuttle pick-up and express customs clearance services do not require Longteng cards and are free of membership fees. Cardholders can directly call Longtengka customer service hotline 400-882-111to make an appointment. All the above businesses need to inform the customer service staff that ABC Youyou World Credit Card can enjoy preferential treatment.

2. The specific contents and details of the above shopping, leisure, business travel and health care are subject to the MasterCard website (published).

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Selected Credit Cards of Agricultural Bank of China

Should consumption abroad choose single currency, dual currency or full currency credit card?

1. Single currency credit card saves money but has limitations.

Nowadays, the popularity of UnionPay in the world is also increasing, although there is still a gap with VISA and MasterCard, which has great limitations. Because UnionPay card is settled in RMB, there is no currency conversion fee for overseas POS machine consumption and domestic repayment, so it is still a good choice from the perspective of reducing the cost of outbound travel. Moreover, after overseas credit card consumption, you can repay directly in RMB after you come back.

What will happen if the dual-currency credit card does not change when it expires? Do I have to change my card?

2. Dual-currency credit card requires currency conversion fee.

Some people may say that dual currency is good. Dual-currency card refers to a credit card with both RMB account and foreign currency account. Generally, the UnionPay logo is affixed to the upper right corner of the front of the card, and the logo of VISA, JCB or MasterCard is affixed to the lower right corner. Now VISA or MasterCard dual-currency credit cards can be used in more than 200 countries, making it more convenient to find consumer merchants.

However, there is no such thing as dual currency in the world, only China has it. Dual-currency credit cards are settled in RMB in China. If you swipe your card abroad, you will automatically enter the foreign currency settlement system. Depending on the type of card, it will be converted into US dollars or euros first, and then converted into local currency for non-US dollars or euros consumption, and will be settled repeatedly when repaying. Because of currency conversion, it will cost 654300. When you come back to repay, you need to change money first, and there will be a currency conversion fee.

In addition, some dual-currency cards need to pay an annual fee or management fee for foreign currency accounts. If you don't know your dual-currency card, you don't even know it because it is expired. If you have two accounts, the possibility of being stolen will increase accordingly.

3. Overseas full-currency credit card consumption, no barrier-free currency conversion fee.

All-currency card, the main function of all-currency card is to exempt the currency conversion fee and handle the transaction needs of all currencies. No matter where you spend money, you can repay it directly in RMB after returning home, and you can also avoid the formalities of purchasing foreign exchange. In addition, China Merchants Bank's all-currency international card will also provide you with high travel accident insurance.

Multi-currency card not only combines the advantages of the above two cards, but also avoids their disadvantages. Moreover, all multi-currency cards issued by banks are free of annual fees. The only fly in the ointment is that the all-currency card does not support the UnionPay channel for the time being.

To sum up, single currency, dual currency and multi-currency all have their own advantages and disadvantages. However, it is more convenient and affordable to launch a full-currency card than single-currency and dual-currency. Overseas credit cards are free of currency conversion fees, and global credit cards are directly returned to RMB after returning home!

Finally, two full-currency cards, China Merchants Full-currency Card, Full-currency International Chip Card and ICBC VISA Full-currency ICBC Global Travel Credit Card are introduced.

What are the benefits of a full currency credit card? What do you mean, no currency conversion fee?

Many banks have full currency credit cards. As mentioned before, citizens can choose according to their own needs. Banks that issue full-currency credit cards include China Merchants Bank, China CITIC Bank, Industrial Bank, Bank of China, Minsheng Bank and many other banks. Cardholders can apply in advance before going abroad. What is the general quota of China Merchants Bank visa full currency card?

The most consistent feature of all-currency cards of each bank in consumption abroad is that they can be exempted from currency conversion fees. In the absence of UnionPay channel, you can save the money conversion fee that can be saved by swiping a full currency card.

With a full-currency credit card, consumers take this card to spend abroad and spend abroad. At the time of settlement, the card issuer will convert the local currency they consume into US dollars, then convert it into RMB, and directly enter the RMB account. The exchange rate is the exchange rate of RMB against the US dollar on the day of your consumption, and you only need to pay it back when you return to China.

It should be noted that the exchange rate of all-currency credit cards is the exchange rate of RMB against the US dollar on the day of your consumption, not the exchange rate on the day of your repayment. So you don't have to worry about the impact of RMB depreciation on the amount of repayment after consumption.

In short, when the RMB is expected to appreciate, it is more cost-effective to keep accounts in US dollars. On the contrary, it is more cost-effective to keep accounts in RMB. The same is true of other currencies, especially some currencies with large short-term fluctuations in exchange rates. Grasping their trends, we can really "copy the bottom".

What's the difference between China Merchants Bank dual-currency credit card and full-currency credit card?

We often compare dual-currency credit cards with single-currency credit cards. The key difference between the two is that dual-currency credit cards are more convenient when shopping abroad. Then, do you know that China Merchants Bank also has full currency credit cards? What's the difference between this and a dual-currency credit card?

1. China merchants bank dual-currency credit card

A dual-currency credit card is a credit card with two currencies, usually RMB plus USD, EUR or JPY, and the account is in two currencies. Generally, the "UnionPay" logo is affixed to the upper right corner of the front of the card, and the logo of VISA, JCB or MasterCard is affixed to the lower right corner. VISA or MasterCard dual-currency credit cards can be used in more than 200 countries, making it more convenient for cardholders to find consumers abroad.

2. All-currency credit card of China Merchants Bank

The main function of all currencies is to exempt currency conversion fees and handle the transaction needs of all currencies. No matter where you spend money, you can repay it directly in RMB after returning home, and you can also avoid the formalities of purchasing foreign exchange. In addition, banks' all-currency international cards generally give away high travel accident insurance.

Third, the difference between dual-currency and full-currency credit cards.

1, different scope of use

Full-currency credit cards are generally single-label cards, which can't take the UnionPay line, that is, they can't be used in China, while dual-currency credit cards can be used in China.

2. Different charging standards

Annual fee: Dual-currency credit cards have a limit on the number of swipes, and the annual fee can only be waived after reaching the standard; All-currency credit cards are unconditionally exempt from annual fees;

In fact, whether to apply for a dual-currency credit card or a full-currency credit card first depends on your needs.

Great Wall Global Link Credit Card 1.5% Currency Exchange Fee

Consumption abroad handling fee: UnionPay card has no handling fee. When non-UnionPay cards consume currencies other than US dollars or Japanese yen, an international currency exchange fee will be charged. VISA and MasterCard will charge 65,438+0.5% of the transaction amount and JCB will charge 65,438+0% of the transaction amount. Some credit cards of BOC are temporarily exempt from international currency exchange fees, such as Global Card. It is suggested that you call the credit card customer service hotline 4006695566, and select 0 key to turn to manual service for detailed consultation.

The above contents are for your reference. Please refer to the actual business regulations.

Which banks can apply for VISA international credit card

1, Industrial and Commercial Bank of China

Cosmos credit card (hereinafter referred to as "constellation card") is divided into two grades: simple platinum and gold. The design of the card surface is the same, which is distinguished by the color of the base on the card side. Black is simple platinum and red is gold card. Among them, the simple Platinum Card enjoys the privileges of VISA Platinum Card and all the benefits of Platinum Card except airport VIP room, high-speed rail VIP room, aviation accident insurance and travel inconvenience insurance.

2. Agricultural Bank of China

ABC Visa Olympic Credit Card is specially designed for customers who advocate sportsmanship and care about the Olympics and tourism. The products are free of annual fees and currency conversion fees, and there are many discounts and services such as travel, overseas shopping and online Haitao. To meet the outbound needs of tourism and study abroad.

3. China Merchants Bank

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 the foundation for the security and function expansion of credit cards.

4. Minsheng Bank

Use Minsheng Visa full-currency credit card, swipe your card in the global Visa channel, with 0 foreign currency transaction fee and 3% overseas cash withdrawal fee. Stay at Hyatt Regency Hotel in Greater China and Asia (Japan, Korea, Thailand, Maldives, etc.) for 2 consecutive nights, and you can enjoy the third night free extension.

5. China CITIC Bank

MasterCard Standard Platinum Credit Card (Master) has selected nearly 200 high-quality golf clubs and driving ranges in more than 60 cities across the country. On this basis, tennis, high-end fitness, badminton and swimming have been added, covering nearly 500 venues in 25 key cities, including Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou and Zhengzhou, with reasonable distribution.