在海外使用信用卡簽帳貼士

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warsur ( 普通卡會員 )
於2017年07月14日 10:59 AM發表

  精明大使:「阿四,聽講你下星期去日本旅行喎。」

  阿四:「我仲煩緊旅行簽信用卡,究竟揀以港紙定外幣找數先至夠精明?」

  精明大使:「如果揀外幣找數,發卡銀行會收取相等簽帳額零至百分之二點五嘅手續費,當中包括信用卡組織嘅收費。外幣兌港紙嘅匯價唔係用簽帳日計,而係信用卡組織完成處理交易個日計,你要收到月結單先知道匯價。」

  阿四:「係咪揀港紙找數方便啲,簽帳時即刻知道兌換率。」

  精明大使:「揀港紙簽帳可以即時鎖定匯價,但你同樣面對簽帳後外幣匯率貶值嘅風險。而且提提你,呢種「動態貨幣兌換」(Dynamic Currency Conversion, DCC)服務嘅匯價會喺簽帳時嘅兌換匯率再加上額外兌換差價,大約百分之二點五至百分之四,有啲地方嘅兌換差價可能仲高。另外亦可能要繳付信用卡組織透過發卡銀行收取簽帳額百分之零點八至百分之一嘅跨境交易收費。此外,少數發卡銀行再會收取大約百分之零點二至百分之零點九五嘅額外手續費。」

  阿四:「聽完一大堆數字,即係邊樣着數啲?」

  精明大使:「視乎你自己需要啦。揀港紙可以即時鎖定匯價,唔使心掛掛,但就有較多收費;如果你唔介意匯價波動,揀外幣簽帳就啱你,因為使費就無咁多。精明嘅做法係出發前向銀行問清楚外幣同港紙簽帳嘅唔同收費,喺海外揀港紙簽帳前再問清楚商戶用嘅匯率同埋仲有甚麼收費,計好數先作決定。」

 

(source: http://hd.stheadline.com/news/columns/726/20170714/584339/)

warsur (普通卡會員)
於2017年07月14日 11:03 AM發表

好似有啲複雜,如果有信用卡有海外消費既推廣,我就就直接用嗰張。

hkicarus (金卡會員)
於2017年07月14日 11:12 AM發表

呢段野其實唔易理解,要好熟外幣信用卡消費運作先至得

一般普羅大眾睇完會更加唔明

percysmith (黑卡會員)
於2017年07月14日 11:52 AM發表

I hate answering "I am going to XXX for Y days. Which card best foreign spending?" questions these days?

Their priorities:
a. Avoid (real) DCC
b. Avoid foreign currency conversion fee
c. Maximise rebates
d. Prefer banks with good customer service

So my recommendations generally are:

Big-ticket spending: Unionpay
Avoids DCC
Save 1.45% foreign currency conversion fees (1.95% V/M - up to 0.5% less favourable wholesale exchange rates)
Plus Unionpay discounts
The biggest con is acceptance is not as good as V/M, and even where accepted, transaction rejection rate is significant

Small-ticket spending: Visa Paywave/Mastercard Contactless/Apple Pay/Android Pay
Generally avoids DCC (except in newer European terminals, Visa Europe allowed to DCC Small Ticket Transactions)
Unlike HK, contactless processes very quickly overseas, so merchant cashiers are happy

Maximising rebate generally involves me surveying what cards the no-card jing has and trying to suggest promos to suit. I might just use https://forum.hongkongcard.com/forumSE/show/4979 (or take a short cut and ask if they have HSBC for extra overseas 5X)

Good customer service is a little further down my list. CCB, Bankcomm, Hang Seng and Dah Sing rank well. I dread disputes with HSBC, DBS and SCB.

Dennis C F Chan (金卡會員)
於2017年07月14日 01:17 PM發表

少數發卡銀行再會收取大約百分之零點二至百分之零點九五嘅額外手續費。

 

邊間銀行除了跨境港幣手續費外,仲會收呢條數?

ncyaa (普通卡會員)
於2017年07月14日 03:36 PM發表

成篇嘢多鬼餘,揀港幣DCC有99.9%機會畀多咗錢,除非你去嗰啲匯率變化極大嘅國家(例如拉丁美洲同非洲部份國家),否則根本唔需要考慮DCC。

 

DCC係少數「有得揀,未必係老闆」嘅例子。其實係叫人揀「唔肯定最終要畀幾錢,但肯定會平啲」/「肯定畀幾錢,但亦肯定會貴啲。」只有傻嘅先會揀後者。

 

樓主講到咁鬼多嘢要考慮,問完銀行仲要問個收銀,人哋真係睬你都傻。尤其問得人用邊張卡嗰啲都係唔識自己研究懵閉閉之流,仲要講一大輪廢話叫佢自己考慮,好有可能班傻人最後都係覺得揀港幣穩陣啲。

Dennis C F Chan (金卡會員)
於2017年07月14日 07:05 PM發表

ncyaa於2017年07月14日 03:36 PM發表

成篇嘢多鬼餘,揀港幣DCC有99.9%機會畀多咗錢,除非你去嗰啲匯率變化極大嘅國家(例如拉丁美洲同非洲部份國家),否則根本唔需要考慮DCC。

 

DCC係少數「有得揀,未必係老闆」嘅例子。其實係叫人揀「唔肯定最終要畀幾錢,但肯定會平啲」/「肯定畀幾錢,但亦肯定會貴啲。」只有傻嘅先會揀後者。

 

樓主講到咁鬼多嘢要考慮,問完銀行仲要問個收銀,人哋真係睬你都傻。尤其問得人用邊張卡嗰啲都係唔識自己研究懵閉閉之流,仲要講一大輪廢話叫佢自己考慮,好有可能班傻人最後都係覺得揀港幣穩陣啲。

篇稿係 HKMA 寫的,當然不能向任何一方傾斜,只能畀資訊

hk235m (金卡會員)
於2017年07月17日 04:13 PM發表

 

 percysmith於2017年07月14日 11:52 AM發表

 

I hate answering "I am going to XXX for Y days. Which card best foreign spending?" questions these days?

Their priorities:
a. Avoid (real) DCC
b. Avoid foreign currency conversion fee
c. Maximise rebates
d. Prefer banks with good customer service

So my recommendations generally are:

Big-ticket spending: Unionpay
Avoids DCC
Save 1.45% foreign currency conversion fees (1.95% V/M - up to 0.5% less favourable wholesale exchange rates)
Plus Unionpay discounts
The biggest con is acceptance is not as good as V/M, and even where accepted, transaction rejection rate is significant

Small-ticket spending: Visa Paywave/Mastercard Contactless/Apple Pay/Android Pay
Generally avoids DCC (except in newer European terminals, Visa Europe allowed to DCC Small Ticket Transactions)
Unlike HK, contactless processes very quickly overseas, so merchant cashiers are happy

Maximising rebate generally involves me surveying what cards the no-card jing has and trying to suggest promos to suit. I might just use https://forum.hongkongcard.com/forumSE/show/4979 (or take a short cut and ask if they have HSBC for extra overseas 5X)

Good customer service is a little further down my list. CCB, Bankcomm, Hang Seng and Dah Sing rank well. I dread disputes with HSBC, DBS and SCB.

 

剛剛o係日本成功拍到一次海外apple pay,東急百貨超市可以收paywave/paypass,咁我就試下用apple pay,慢到喊,感覺上仲慢過o係香港。

 

日本大型百貨公司超市碌卡間間都極速,但無諗過apple pay咁慢

 

另外,有次o係日本碌卡我見到cashier部card terminal有DCC字樣,但cashier好快就篤走,簽出o黎張單亦唔係DCC單,收單行係MFJ

percysmith (黑卡會員)
於2017年07月17日 04:19 PM發表

kaka did encounter compulsory DCC at Kokumin Drugstore at Odori, Sapporo, no asking and cannot be reversed.

Didn't get to use contactless in my visits earlier this year.

hk235m (金卡會員)
於2017年07月17日 04:23 PM發表

percysmith於2017年07月17日 04:19 PM發表

We did have compulsory DCC at a Japanese drug store. I'll ask the cardholder involved whether he wants to name and shame that merchant.

Didn't get to use contactless much in my visits earlier this year.

之前o係日本我都遇過兩三次DCC,但cashier跟足policy比你opt currency後先再篤card terminal.

 

另外,我試過o係drug store過唔到V/M(磁帶交易),但AE一碌(一樣有chips)就得

 

sunhoo (普通卡會員)
於2017年07月17日 10:04 PM發表

 

 percysmith於2017年07月14日 11:52 AM發表

 

I hate answering "I am going to XXX for Y days. Which card best foreign spending?" questions these days?

Their priorities:
a. Avoid (real) DCC
b. Avoid foreign currency conversion fee
c. Maximise rebates
d. Prefer banks with good customer service

So my recommendations generally are:

Big-ticket spending: Unionpay
Avoids DCC
Save 1.45% foreign currency conversion fees (1.95% V/M - up to 0.5% less favourable wholesale exchange rates)
Plus Unionpay discounts
The biggest con is acceptance is not as good as V/M, and even where accepted, transaction rejection rate is significant

Small-ticket spending: Visa Paywave/Mastercard Contactless/Apple Pay/Android Pay
Generally avoids DCC (except in newer European terminals, Visa Europe allowed to DCC Small Ticket Transactions)
Unlike HK, contactless processes very quickly overseas, so merchant cashiers are happy

Maximising rebate generally involves me surveying what cards the no-card jing has and trying to suggest promos to suit. I might just use https://forum.hongkongcard.com/forumSE/show/4979 (or take a short cut and ask if they have HSBC for extra overseas 5X)

Good customer service is a little further down my list. CCB, Bankcomm, Hang Seng and Dah Sing rank well. I dread disputes with HSBC, DBS and SCB.

 

hk235m於2017年07月17日 04:13 PM發表

剛剛o係日本成功拍到一次海外apple pay,東急百貨超市可以收paywave/paypass,咁我就試下用apple pay,慢到喊,感覺上仲慢過o係香港。

 

日本大型百貨公司超市碌卡間間都極速,但無諗過apple pay咁慢

 

另外,有次o係日本碌卡我見到cashier部card terminal有DCC字樣,但cashier好快就篤走,簽出o黎張單亦唔係DCC單,收單行係MFJ

跨境paywave/paypass的確好少會系離線交易。試下用大陸嘅卡在香港paywave/paypass就知。

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