Which travel credit card is better? Which travel credit card should I use?

Seeing that the National Day holiday is coming, how can we not spend money during the holiday? But once you start spending, you can’t stop. But recently, many banks have launched travel credit cards specially prepared for travel. Did you know? Do you know which one to do? You will know after reading the editor’s introduction.

1. All-currency credit cards

All-currency credit cards are the first choice for many overseas travelers. Banks such as ICBC, China Construction Bank, and China Merchants Bank all issue global full-currency credit cards, which are much easier to use than UnionPay standard cards.

Because all-currency credit cards can be used in almost any currency, all payments in any currency will be recorded in RMB and repaid in RMB, which can save a lot of trouble. However, it should be noted that some banks’ full-currency credit cards are dual-channel UnionPay and VISA or MasterCard, and are available at home and abroad.

For example, the ICBC Global Travel Credit Card is a dual-channel UnionPay and MasterCard credit card. You can use RMB to purchase tax and repay, or you can use foreign currencies to repay directly. The method is flexible; while some banks' all-currency credit cards are single-channel. , for example, VISA cards can only be used at VISA channels at home and abroad, and there are certain limitations for use within the country.

2. Credit cards that provide WIF

Nowadays, mobile phones have become indispensable items for people. If you don’t have internet when traveling overseas, you will probably go crazy with worry, but the hotel charges for internet. Too expensive.

At this time, in addition to renting a portable WIF, you can also use WIF provided by bank credit cards. During this National Day holiday, many banks have launched free WIF activities. Credit cards such as Hua Xia Bank, Bank of China, Bank of Communications, China Construction Bank, etc. have launched free WIF activities.

3. CMB VISA All-Currency Card

With the CMB VISA All-Currency Card, you can enjoy the privilege of automatic RMB exchange when you spend money or withdraw cash in various countries around the world. At the same time, you can repay directly in RMB when you return home. Just make the payment, and there is no exchange fee. Cardholders can enjoy the discount as long as they choose the local currency when making transactions.

The cardholder who purchases his/her air ticket in full or pays 80% or more of his/her tour group fee can receive free travel inconvenience insurance and aviation accident insurance up to RMB 2 million. In addition, this card is free for life. The annual fee policy is favorable. If you are traveling, it is really cost-effective to apply for this card.

4. Guangfa Ctrip Co-branded Card

This card is specially designed for business travelers. The two cards combine to accumulate Ctrip points in both directions, provide travel accident insurance, and free cash withdrawals from other places every month. Handling fee discounts, etc. In addition, the card also provides points for consumption, with 2 yuan earning 1 Ctrip point; and bonuses for business travel bookings, etc. to meet the various needs of business travelers.

After reading this article, in fact, each of these credit cards has its own characteristics. You can choose the credit card that suits you according to your own needs! I wish you all a happy trip!