若是决定利用蛇年春节假期出境游，除了少量傍身的现金外，银行卡更是必不可少。如何妙用银行卡让境外消费变得更实惠，其实有许多窍门。现在就支你几招，告诉你几个银行卡境外使用妙招，希望让你出游更省钱省心。

      If it is decided to use the year of snake Spring Festival holiday outbound tourism,Besides a few a alongside the body of the cash,Bank card is necessary.How to make magical function bank card consumption abroad become more benefits,There are many tricks.Now a you a few action,Tell you a few overseas bank use coup,Hope to make you worry more money to travel.

　　文 记者 陈薇薇

Wen reporters ChenWeiWei

　　图 GETTY(除署名外)

GETTY diagram(In addition to the signature)

　　妙招一：

A coup:

　　刷银联信用卡可获“零”货币转换费

Brush unionpay card available"zero"Currency conversion fee

　　境外游刷卡消费，很多持卡人会担心货币转换造成手续费过高等问题。一般来说，货币转换手续费占所用金额的1%~2%，也就是说，比如在英国使用1000英镑，则需要付出10~20英镑的货币转换费，再换算成人民币，就要多付100~200元，实在不抵。如果通过刷Visa或Master等通道来消费，则要先以当地币兑换美元，待到回国后还钱时还要再从美元转换成人民币还款，这一来一往很可能产生不必要的汇率差。

Overseas travel brush calorie of consumption,A lot of cardholder will worry about currency conversion fee caused a higher problem.Generally speaking,Currency conversion fee for the amount of 1% ~ 2%,that,Such as in Britain use 1000 pounds,It takes ten to twenty pounds currency conversion fee,And conversion into RMB,Will pay 100 ~ 200 yuan,Really does not arrive.If through the brush Visa or Master and channels to consumption,Should start with the local currency in us dollars,Until returned again money in us dollars into RMB payment,Now a likely to produce needless HuiLvCha.

　　据了解，随着中国银联在境外的布点越来越广，尤其是在欧洲、美国等各地的网络更加密集，人们可以直接刷银联卡实现“零”货币转换费。记者了解到，最近中国银联和招商银行(600036,股吧)联手新推了一种白金信用卡，在跨境刷卡交易时，客户直接选择用欧洲当地货币，所交易的金额直接自动转换为人民币进行结算，避免货币转换所产生的任何手续费，真正实现交易“零”货币转换费，而在欧洲，开通受理这项业务的国家和地区已近40个，特别是在国人常去的大额消费场所都可以实现。

It is understood,As China unionpay outside in putting more and more widely,Especially in Europe/The United States around the network more dense,People can directly brush unionpay card to realize"zero"Currency conversion fee.The reporter understands,Recently China unionpay and China merchants bank(600036,guba)The new push to a platinum credit card,In cross-border trading card,The client direct choose a European local currency,The amount of the transaction directly automatic switching for RMB settlement,Avoid currency conversion generated any commission,Truly achieve transaction"zero"Currency conversion fee,In Europe,Opened accept the business country and region has nearly forty,Especially in the people often go to large consumer place can achieve.

　　妙招二：

The coup:

　　境外取现可免手续费

Overseas withdraw cash can be free of charge

　　虽然身上备着多张银行卡出门，但许多人在出门前总会想要到银行兑换点当地货币傍身，以防到达目的地之后一时找不到兑换点而身无分文。不过到了年末，银行里办事的人比往常多了不少，想换外币出游的人也不在少数，因此至少得排上许久才能办完换币业务。

Although the body for more than one card out,But many people always want to walk out the door to the bank DuiHuanDian local currency alongside the body,In case after the destination can't find a DuiHuanDian and penniless.But at the end of the,The bank man of business a lot more than usual,Want to change foreign currency travel also not a few,So at least on line for a long time to finish do in currency business.

　　其实不必那么麻烦，只要打听清楚各银行的优惠细则，用对了信用卡，到了境外取现甚至不需要手续费呢。据了解，虽然这几年多家银行都曾提供过境外取现免手续费的优惠项目，但目前华夏银行(600015,股吧)的储蓄卡依然可以继续提供在境外取现免手续费的优惠服务，具体规定是“每日每卡第1笔免费，超出1笔按12元/ 笔收取，而境外ATM查询手续费则每日每卡前3笔免费，超出3笔按2元/ 笔收取”。要注意在境外时只要在有银联标记的ATM机器上取现当地币即可，银行会按照即时汇率来折现所取现的人民币数额，每个取现ATM所属的银行都有每日取现的上限，具体金额均不同。一般来说，建议一下飞机就在机场找有银联标志的ATM机取现。

Actually don't need to bother,As long as the bank ask to be clear about the preferential conditions,With the credit card,The overseas withdraw cash and even do not need poundage?.It is understood,Although in recent years many Banks have provided overseas withdraw cash from fee discount project,But at present the Chinese bank(600015,guba)The deposit can still continue to provide in overseas withdraw cash from the preferential service fee,Specific provision is"Every day the first card free pen,Beyond 1 pen by 12 yuan/pen collection,And overseas ATM inquiry fee is daily each card before 3 free pen,Beyond 3 pen by 2 yuan/pen collection".Attention should be paid to in abroad, as long as the unionpay mark ATM machine can take the local currency,The bank will according to the real-time rate to discount the cash withdrawal amount of RMB,Each withdraw cash ATM belong to bank has taken daily limit,The specific amount are different.Generally speaking,Suggest the plane in the airport find has a union pay sign of ATM withdrawal.

　　妙招三：

Coup three:

　　关注信用卡关联目的地特别折扣

Pay attention to credit card association destination special discount

　　据了解，这几年国人出境购物的热潮逐渐升温，在境外消费的额度也屡创新高，导致许多银行为了提升顾客在境外使用该行银行卡的频率，增加了许多境外消费的特别服务。

It is understood,In recent years Chinese outbound shopping upsurge gradually heating up,In the amount of consumption abroad also reached record high,Lead to many Banks in order to promote the customers in the use of the foreign bank CARDS, the frequency,Increased a lot of consumption abroad special service.

　　针对国人消费集中的欧洲国家，有银行就推出了使用指定银行卡在指定地方消费，额外可获得独享折扣的优惠活动，让欧洲购物游抵上加抵。记者查询银行相关网站了解到，近期比较热门的一项优惠是招行推出的欧洲游“消费主场”的特别折扣优惠，持招商银行银联白金卡在欧洲消费，有许多诱惑力十足的独家专享，比如在法国巴黎春天百货享受VIP专享待遇，在伦敦Liberty、德国Galeria Kaufhof等知名百货公司以及英国希思罗机场、法国戴高乐机场与德国法兰克福机场等众多主要机场免税店享受折扣优惠或消费立减优惠。此外，这几年国人流行到欧洲的Outlet扫货，只要持卡到欧洲九大城市购物村消费，还可享受额外9折优惠，此外，还有四十余家欧洲精品商户提供专属礼遇。另外，3月15日前持卡号62为开头的银联卡在纽约第五大道Tiffany旗舰店消费3000~9999美元，每单可享300美元回馈，而每单消费超过1万美元，则可以减500美元。

According to the Chinese consumer concentration of European countries,Has the bank is introduced to use designated bank CARDS in designated places,Additional discount can obtain its preferential activities,Let the European shopping tour to add to.Reporter inquires the bank related websites to know,The recent hot a preferential is launched her tour of Europe"Consumption at home"Special discount,The China merchants bank unionpay white gold consumption in Europe,There are a lot of allure very sole prerogative,Such as in France printemps enjoy VIP enjoy only treatment,Liberty in London/Germany Galeria Kaufhof and famous department stores, and British heathrow airport/The French Charles DE gaulle airport and airport in Frankfurt, Germany and many other major airport duty free enjoy discount or consumption reduction set preferential.In addition,In recent years Chinese popular Outlet to Europe and cargo,As long as the CARDS to Europe nine big city shopping village consumption,Can also enjoy an additional discount,In addition,There are more than forty European boutique merchant provide exclusive courtesy.In addition,On March 15, 62 CARDS "unionpay card in New York's fifth avenue Tiffany flagship store spending $3000 to $9999,Every single enjoy $300 feedback,And every single consumption of more than $10000,It can reduce us $500.

　　妙招四：

Coup d:

　　信用卡借记卡

Credit card debit card

　　组合使用

Combination use

　　现在，许多人都习惯使用信用卡，在境外也是如此，取款、消费都用信用卡，事实上信用卡取现的手续费较高，还需支付预借现金的利息，如果有银行借记卡，取现所收的手续费会低许多。不仅如此，信用卡在使用上还有一定的限制，比如消费的信用额度以及回来后还款等问题，甚至还可能导致随手乱刷信用卡、回来后悔莫及的后果。所以，在境外消费若要买得聪明又省钱，配合借记卡消费是一个聪明的方式，因为借记卡里的金额是预先存入的，受账户余额限制，只要人民币账户余额足够，不仅不必担心因为信用额度问题所带来的尴尬，还可以做到有计划地消费。

now,Many people are used to using credit card,So it is outside,withdrawals/Consumption by credit card,In fact the credit card to important high fees,Still need to pay by cash in advance of interest,If there is a bank debit card,Take the charge will be much less.Not only that,Credit card in use there are certain restriction,Such as consumer credit and back problems such as reimbursement,May even lead to disorderly brush with credit card/The consequences of back too late to regret.so,If you want to buy in consumption abroad have smart and save money,Cooperate with debit card consumption is a smart way,Because of the amount of the debit card is advance deposit,Is the account balance limit,As long as the account balance is enough,Not only don't have to worry about because credit problems brought about by the embarrassed,Also can do consumption in a planned way.

　　妙招五：

Coup 5:

　　关注银行旅游促销

Pay attention to the bank tourism promotion

　　随着越来越多游客出境旅游，国内各大银行也关注到这一消费增长趋势，与一些旅行机构推出刷卡团费优惠等活动，有银行还联手国内的旅行社推出一些诸如欧洲的热门精选线路优惠，比如推出报名指定旅行社的欧洲游线路可在市场优惠价基础上享受额外9折优惠，或是用指定银行卡消费可在市场价上减免一定金额等。

With more and more tourists outbound tourism,The domestic each big bank also paid close attention to this one consumption growth trend,And some of the travel agency cost card out preferential activities,A bank also to domestic travel agencies offer some such as European popular selected line preferential,Such as the designated travel agency launched the European tour line can be in market price basis to enjoy an additional discount,Or a designated bank card consumption can be in the market price reduction on certain amount, etc.

　　妙招六：

Coup six:

　　避免汇率差

Avoid HuiLvCha

　　可提前还款

Can prepayment

　　这一两年来人民币不断升值，出境旅游购物越来越抵。如果在境外用信用卡消费，就涉及还款问题。比如银行的还款日是下一月的3日，那么如果是上一个月在境外刷卡，就需要等到3日才还款，而还款的汇率是按照3日当天的汇率来计算的。也就是说，如果刷卡日的汇率比3日的汇率低，那么消费者就要负担这部分汇率差。因此，如果预期近期汇率会涨，可考虑提前还款，只要打电话给银行就可以了，方便快捷。

This two years the renminbi from rising,Outbound tourism shopping to more and more.If the overseas by credit card consumption,Problems involving the reimbursement.Such as the bank to reimbursement is next January 3,,So if it is a month in overseas credit card,Will need to wait for 3 days to reimbursement,And reimbursement of the exchange rate is according to the 3 day of the exchange rate to calculate.that,If the credit card, exchange rate more than 3 day rate low,So consumers will burden this part of the HuiLvCha.so,If the expected the recent rate will rise,Can consider to prepayment,As long as the call bank is ok,convenient.