海外簽卡要小心手續費

好多朋友都喜歡帶少啲現金,旅遊時用卡找數,這個諗法其實是可以的。但是要小心你找數時用邊一張卡?其實所有Visa同Master都有額外嘅銀行附加費,而這種附加費係唔會係你賬單上出現,因為這種附加費是暗地裏存在着兌換率內!所以我小時候在外國讀書,我的父母並沒有發現這個陷阱🤬😡⋯⋯

方法係一般來說你要用銀聯卡找數,因為銀聯並沒有附加手續費。但亦有一些特殊情況你可以用Visa或Master或JcB 或AE ,1)如果當那商店及酒店有這些信用卡品牌的優惠折扣%比海外附加手續費%更高,2) 又或者當那間出卡銀行做緊一些海外簽帳活動,如果簽滿幾多錢就有一個相當可觀的回贈,那就適合了。

例子是有次我去曼谷旅行按摩店提供用JCB信用卡找數有8% discount,咁我就用JCB找數囉。

資料源自UTravel

Advertisements

What is your Credit Card Promotions?

Most of the time, when you receive the promotion leaflet from your bank, the promotion almost ends and to fight inflation and the get the utmost benefits, always check their website on their most current offers.

Tips

  1. Never apply the same credit card as your spouse so you and him can get the utmost promotion offer
  2. Try to apply same credit cards as your smart friends so that she will remind you the promotion offer
  3. Check the Welcome Gift and compare the bonus point redemption scheme
  4. Try those with no annual fee so that you don’t even have to call once a year to waive the fee
  5. Some banks have a lot of co-brand cards, make sure you can enjoy their Welcome gift if you already have one of their existing credit card cos like Bank of China, they do not offer Welcome gift if you apply for their Sogo credit card if you are already holding their normal Visa or Master Card e.g whereas HSBC does.

CitiBank

http://www.citibank.com.hk/HKGCB/APPS/portal/loadPage.do?tabId=cards,promo&path=/prod/det/credit_promotions.htm

Bank of China

http://www.boci.com.hk/chi/promotion/boci_prom_spec.php

Standard Chartered

http://www.standardchartered.com.hk/promo/credit-cards/bdv/en/

China Construction Bank

http://www.asia.ccb.com/hongkong/english/personal_banking/cc/month.html

AE Platinum

http://www.americanexpress.com/hk/cn/microsite/platinum-credit-card/index.shtml?sourcecode=ASB040SY62

Hang Seng Bank

http://www.hangseng.com/e_card/month_platinum.html

Visa

http://www.visa-asia.com/ap/hk/zh_HK/cardholders/offers/Premium11_Offers_Chi.shtml

Aeon

http://www.aeon.com.hk/wps/wcm/myconnect/aeonweb/TC/