(1) If you use an ordinary one-card card for spending, you will use the UnionPay system for spending in Macau, and the foreign currency will be converted into RMB for deduction according to the exchange rate of China UnionPay at that time.
(2) At present, there are two basic credit card lines in Macau, UnionPay line and international line (VISA, MASTERCARD, JCB or American Express). Swipe your card online at UnionPay and convert Hong Kong dollars into RMB for settlement according to the exchange rate of China UnionPay. If you swipe your card on an international line, it will be settled in US dollars. Since the consumption other than credit card will be settled in US dollars, if the consumption amount is not US dollars, there will be an exchange fee between the two currencies, that is, 0.5% of the transaction amount of 65438+. If the consumption amount is USD, no settlement fee will be charged. When spending, you can ask the merchant if there is a UnionPay credit card limit, which is convenient for you to choose.
If you have any other questions, please visit "Online Customer Service" (website: /cmu/icslogin.aspx? from = B& amp； Logincmu=0), we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!