Is it cost-effective to bring US dollars or RMB to Singapore?

It is recommended to bring a little bit of everything and two global payment credit cards (VISA and MasterCard). This way, no matter what payment channel you take, you can spend it.

if the credit card is a dual-label card with "unionpay and non-global payment" on the card face, you can choose the corresponding card swiping machine for swiping the card according to the credit card organization logo on the credit card (such as VISA, MASTERCARD, JCB, American Express and unionpay) overseas, and there is no need to additionally open the card swiping function.

swiping a card on an international line will be settled in US dollars, so if the consumption amount is not US dollars, there will be exchange charges between the two currencies. If the UnionPay line is swiped or the consumption amount is USD, there will be no settlement procedures. For example, a credit card is a single-label card with only VISA, MASTERCARD, JCB or American Express. Currency exchange fees will be exempted according to relevant preferential policies.

YOUNG Card Youth Edition (Weibo Daren Card, GQ Co-branded Credit Card, Colorful Yunnan Credit Card, and City Theme Series Gold Card) is free of charge for the first cash advance every natural month, and the overseas cash withdrawal should also be adapted to this discount (interest is normally charged). & #825;

3% for all-currency credit cards overseas (including Hong Kong, Macao and Taiwan), with a minimum charge of ￥3/ transaction or $3/ transaction (minimum charge of $5 for express platinum and black gold cards overseas);

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 .5 ‰ until the settlement date, with compound interest on a monthly basis.

several cards are recommended:

China merchants bank Visa full currency card.

1) All-currency international credit cards can automatically purchase foreign exchange for repayment in RMB

2) There are no additional conditions to exempt the annual credit card fee within the validity period

3) Any foreign currency consumption in the world, currency exchange fee

the new customer will be given a "magic bag" abroad with a single swipe

MasterCard full currency card of China Merchants Bank

1)MasterCard EMV chip card

2) Support PayPass for fast payment

3) RMB repayment free of foreign exchange fee

4) Enjoy MasterCard World card privileges

5) Free of annual fee, and give 2 million yuan.

1) consumption abroad currency exchange fee, 5% credit card fee for registration

2) No additional conditions and no annual fee within the validity period

1. Fully upgrade the EMV chip card and pay with peace of mind

2. Global currency foreign exchange fee, any foreign currency consumption, RMB bookkeeping repayment

3. No additional conditions and no annual fee within the validity period

Guangfa Platinum Credit Card

Use Guangfa Platinum Credit Card. You can enjoy the VIP room of high-speed rail (other banks don't have it at present), the VIP room of airport and other value-added services:

Green channel for medical treatment: you can enjoy the VIP appointment registration service and the medical guidance service for three times a year in major domestic cities free of charge, giving priority to the appointment of designated time and the appointment of experts, and the experienced guidance staff will accompany you to complete the work of paying fees, taking medicines and so on, making it easy to see a doctor.

VIP courtesy for business travel:

● Intimate VIP courtesy, quiet and comfortable exclusive space, and leisurely green passage

1) Airport VIP courtesy: exclusive lounge, agency procedures, boarding reminder, remote ferry, etc.

2). VIP courtesy of high-speed rail: convenient location, close to the ticket gate, escort by special personnel and priority boarding.

● You don't need to make an appointment, and you can enjoy the VIP treatment of Guangfa exclusive airport and high-speed rail for unlimited times.

You will be provided with Longteng card for free, and you will be given the VIP treatment of Longteng Airport for 6 times (6 o'clock) and Longteng high-speed rail for 4 times (2 o'clock) a year. Only 15 yuan/point will be charged if the bonus points are exceeded.

● Covering more than 2 major cities at home and abroad, such as Beijing, Shanghai, Guangzhou, Shenzhen, Hongkong, Tokyo and new york.

Tips:

1). The VIP courtesy of the airport and high-speed rail is limited to my own use. If you use the escort, you will have to pay: the escort fee for the VIP room of Guangfa exclusive airport/high-speed rail is subject to the quotation published on the spot; Longteng Airport/VIP room of high-speed rail will be accompanied by 15 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 actual local services for details.

giving away multiple points (exclusive to Platinum Card): you can enjoy 3 times of points accumulation when you spend money in business travel or overseas merchants with Guangfa Platinum Credit Card? .

High travel accident insurance: RMB 5 million travel accident insurance is included with the card, which can also benefit the family members of the same company, so that the cardholders of Guangfa Platinum Credit Card can enjoy intimate protection every trip with their families.

emergency taxi service? If GDB Platinum Credit Card holders need to use the car temporarily for business trip or vacation, they only need to call the service hotline, and Guangfa Bank will arrange a special car for GDB Platinum Credit Card holders to use, with exclusive preferential prices.

global preferential merchants? : global preferential merchants' VIP treatment, enjoying exclusive treatment and discounts for 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 when traveling or going on business, 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, lost luggage assistance service, etc.

international personal assistant? When GDB Platinum Credit Card holders or their family members are abroad, GDB Platinum Credit Card holders can call the 24-hour Platinum Service Line at any time, and provide intimate services such as restaurant reservation, hotel reservation and medical treatment according to their needs.

VIP service line? : 24-hour VIP line service, with exclusive secretarial services provided by senior service specialists.

exclusive fee waiver? : GDB Platinum Credit Card holders can enjoy a number of fee reductions and exemptions, such as the fee for accessing the consumption list in China, the fee for accessing the certificate of issuing money abroad, and the over-limit fee.

counter priority service? : GDB Platinum Credit Card holders can enjoy VIP priority service at the outlets where the VIP service window is opened in Guangfa Bank, 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 the points of GDB Platinum Credit Card holders appreciate faster.

RMB automatic settlement for global transactions? : The function of "RMB World Link" will be automatically opened for GDB Platinum Credit Card holders, and all overseas international transactions will be automatically converted into RMB transactions, which can be repaid directly in RMB through the RMB repayment channel, thus saving the foreign exchange purchase procedures and expenses for GDB Platinum Credit Card holders.

Free transaction security guards: Guangfa Platinum Credit Card holders use their cards to protect them. When the cardholder's card is lost, stolen, forged credit card or card information is leaked, Guangfa Bank will provide compensation guarantee regardless of whether it is paid by password. There is also a free transaction reminder SMS, so that Guangfa Platinum Credit Card holders can always grasp the changes in their accounts.