What bank card should I get when traveling abroad?

If there is a China Merchants Bank in your city, you can also apply for a China Merchants Bank savings card.

CMB UnionPay Savings Card can be used at machines with the UnionPay logo overseas. When withdrawing money, 0.5% of the transaction amount is charged in RMB, with a minimum of RMB 10 for a single transaction (no discount). In some countries (such as When withdrawing money from some ATM institutions in Japan, the United States, etc., in addition to this fee, the local acceptance institution may charge additional handling fees to the cardholder.

There is no handling fee for POS consumption.