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出国前刷卡必做的 3 件事3 Things to Do Before Using Your Card Abroad

出发前花 5 分钟做这三件事,整趟旅程刷卡都省心又省钱。Five minutes before you leave saves money and hassle for the whole trip.

① 查你的卡收不收"境外交易费"① Check your card's foreign transaction fee

很多卡收 1%~3%,但不少"旅行卡"是 0%。带一张免境外费的卡出门,能省不少。Many cards charge 1%–3%; plenty of travel cards are 0%. Bring a no-fee card.

② 备好银联卡 + 告知银行你要出境② Have a UnionPay card + tell your bank you're traveling

银联对人民币通常免货币转换费,有银联标识优先走;同时提前告知发卡行出行,避免被风控冻结。UnionPay usually waives the CNY conversion fee; also notify your issuer so travel spend isn't blocked by fraud controls.

③ 记住当日中间价③ Know the mid-market rate

出发前查一下目的地货币的中间价(搜"X to Y"即可)。刷卡时对一下,一眼就知道有没有被 DCC 加价。Look up the destination currency's mid-market rate (search "X to Y"). Compare it while paying to instantly catch DCC markups.

用工具:把预计消费丢进 CardAbroad 计算器,提前知道选哪条路最省。Use the tool: drop an expected purchase into the CardAbroad calculator to see which path is cheapest.

→ 打开计算器→ Open the calculator