分享几个比较有名的卡

pmp6

		transaction fee
revolut	https://www.revolut.com/en-AU/currency-converter/	no
up	https://up.com.au/features/international-payments/	yes
citibank	https://cloud.notifications.citibank.com.au/forex-rates-2021	no
hsbc	https://www.hsbc.com.au/calculators/real-time-exchange-rates/	no

dc81

居然没有macquarie的卡

maxinfang

可以讲讲 各自的优缺点吗

pmp6

dc81 发表于 2023-7-18 12:43
居然没有macquarie的卡

这卡厉害了。直接用Mastercard FX Rate，而且没有transaction fee。

这也太好了吧？没有其他任何费用了吗？

pmp6

maxinfang 发表于 2023-7-18 13:01
可以讲讲 各自的优缺点吗

就看哪个兑换的美元多，没有手续费。不知道有什么其他的讲究没有。

coffee_bean

pmp6 发表于 2023-7-18 13:03
这卡厉害了。直接用Mastercard FX Rate，而且没有transaction fee。

这也太好了吧？没有其他任何费用了 ...

"f you choose to pay in the foreign currency, this amount will be converted to Australian dollars by Visa, using the applicable exchange rate on the date the purchase is debited to your account. "

https://www.macquarie.com.au/eve ... ansaction-fees.html

说是用Visa的汇率，没有说用Mastercard FX Rate吧。

pmp6

coffee_bean 发表于 2023-7-18 13:20
"f you choose to pay in the foreign currency, this amount will be converted to Australian dollars  ...

https://www.macquarie.com.au/help/personal/international-and-travel/travelling-overseas/overseas-charges-and-exchange-rates.html
How the foreign exchange (FX) rate is calculated

If you choose to make a purchase in a foreign currency, the amount will be converted into Australian dollars using the Mastercard FX Rate.

A purchase made in a foreign currency will have an approximate amount in Australian dollars displayed at time of purchase. This approximate amount will be displayed via Macquarie Online Banking and the Macquarie Mobile Banking app, whilst the transaction is awaiting settlement.

Once the transaction is finalised the transaction amount will be updated to reflect the final foreign exchange rate that has been applied.

coffee_bean

pmp6 发表于 2023-7-18 13:35
https://www.macquarie.com.au/help/personal/international-and-travel/travelling-overseas/overseas-c ...

是不是Macquarie的debit卡是master的，所以用Mastercard FX Rate，我看到现在Macquarie的信用卡那边都只有Visa，Visa怎么用Mastercard FX Rate。这个很神奇，居然自己官网对同一种费用有两种不同的解释。

dc81

coffee_bean 发表于 2023-7-18 13:39
是不是Macquarie的debit卡是master的，所以用Mastercard FX Rate，我看到现在Macquarie的信用卡那边都只 ...

两种卡，两种不同的fx rate

Grange

28度呢

pmp6

Grange 发表于 2023-7-18 13:45
28度呢

28 Degrees Mastercard exchange rate
The exchange rate normally used for purchases and ATM withdrawals using the 28 degrees card, is set by Mastercard. If you’re making a purchase in a foreign currency it’s converted to US dollars, before being converted again to AUD for listing on your statement. Here’s how it’s explained in the card’s FAQ webpages²:

https://wise.com/au/blog/exchange-rate-28-degrees-card

要先换成美元再换成澳币。比如你买100日元的东西，100日元先兑换成美元，然后兑换成澳元。每兑换一次就在汇率上损失一次。这种很差啊

belinda0717

macquarie debit的确是用master FX rate并且么有手续费， 已经在用过了

excite

pmp6 发表于 2023-7-18 13:57
28 Degrees Mastercard exchange rate
The exchange rate normally used for purchases and ATM withdraw ...

即便是这样，应该也还好，因为转换都是实时汇率

spb

这个HSBC卡是指debit card 还是credit card？

cindy93

谢谢分享