外地簽賬分享!匯率計算方法!

11月18日或之前投保安聯旅遊保險都有75折呀:flyformiles.hk/scb.ti

之前鼓勵大家去旅行個陣都要簽卡,今日就想同大家分享一下究竟碌卡個rate係點計。首先,可以喺外地簽賬既香港credit card主要有4種制式:

1. Visa (with 1.95% service charge)
匯率:https://www.visaeurope.com/making-payments/exchange-rates

2. Master (with 1.95% service charge)
匯率:https://www.mastercard.us/en-us/consumers/get-support/convert-currency.html

3. AE (with 2% service charge)
匯率:http://www.oanda.com/convert/classic?user=americanexpress

4. Union Pay (銀聯)(No service charge)
匯率:http://www.unionpayintl.com/cardholderServ/serviceCenter/rate?language=hk


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22 comments

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    • lung2297 on June 20, 2013 at 1:08 am
    • Reply

    我CHECK 過 VISA 同AE 19/6 嘅RATE, AE 都平過 VISA 喎

    1. AE我check過係1.95%手續費
      但唔知點解每次碌既時候
      個價都會貴到飛起
      所以都唔建議用

      而且呢個網個價只作參考
      Fans如果碌完卡既
      歡迎俾啲數據小斯參考

    • ELISE on June 20, 2013 at 1:16 am
    • Reply

    銀聯個RATE係咪要打去問?
    因為WEBSITE唔見有

    1. 打去問係一個方法
      因為佢個網鑊鑊唔係down佐就係唔知個rate去佐邊

        • ELISE on June 29, 2013 at 2:14 am
        • Reply

        小斯,咁你碌過銀聯個RATE OK嗎?

        我過幾日去KOERA,FUBON未批到俾我,我有齊晒中銀VISA/MASTER/銀聯,
        如果RATE唔靚,我俾CASH 算了

        1. 銀聯個rate幾靚架
          不過都係個句啦,如果唔係用銀聯碌先有折就用現金算啦
          始終用現金係最抵既〜

    • Cat on June 20, 2013 at 1:21 am
    • Reply

    咁去 Paris 最好用邊種咭?. AE card 係未唔 recommend 用架?

    1. 一係用dbs ae一係用富邦master

    • Euji on June 20, 2013 at 2:21 am
    • Reply

    小斯你好,我想問點解我按英鎊個陣,Master 係1 to 12.19hkd AE 係1 to 12.15 hkd
    係唔係我計錯 or 其實唔係我咁計?

    1. Ae個rate假架我覺得!
      你碌下就會知道〜

    • Ray on June 20, 2013 at 2:26 pm
    • Reply

    我問過Aeon, 佢地銀聯唔收charge,其他既卡收1%…上次去日本用過…但rate我就無乜留意…佢既好處係無需入息證明,只要身份證同住址證明…唔煩小斯check下…

    1. 咦! AEON卡我無用過,不過credit card既service charge係由visa master同ae個邊收,並唔係發卡公司收既,所以aeon個邊話淨係收1%我都唔太清楚,等我返到香港再打去查詢下:)

    • nnaaii88 on June 22, 2013 at 12:27 pm
    • Reply

    我想問這幾天要去日本東京,用銀聯好or 還是DBS BALCK CARD (AE)剛申請的 or visa 好? 謝謝。

    1. 其實真係睇返你自己想儲啲咩,AE exchange rate計出黎差啲,但係就可以有4蚊1里;銀聯exchange rate幾靚,而且好多大商鋪都有折,不過銀聯啲分儲黎唔知做乜,因為唔係張張都可以換到里數,所以我建議有折就用銀聯,冇折就用ae啦

    • :::J.A.N.I.C.E::: on February 19, 2014 at 12:57 pm
    • Reply

    請問visa check rate 係咪無得揀日期? 禁極都無反應既@@
    銀聯我搵到,, 佢放左係globalization個分頁度,,
    有個分類寫住exchange rate inquiry 既

    1. 有得揀架
      你load多次啦!

      記得like我個facebook page呀:https://www.facebook.com/FlyForMiles

    • mini on April 7, 2014 at 12:14 am
    • Reply

    小斯你好!

    我只係申請左HSBC visa 同埋恆生銀聯…貧苦學生:(
    (仲有張N年唔用既東亞visa)
    我打去customer services 問過HSBC 收1.95% services charge 恆生銀聯就1.2%

    我6月會去paris and italy 咁用邊張係最好,,,,定係我應該全程用cash算?
    因為第一次去歐洲唔想帶咁多cash:(
    HSBC我登記左額外2倍「獎賞錢」, 恆生銀聯就登記左額外3倍cash dollar
    我未試過過海外簽賬架..同埋睇左好多post都好亂

    如果應該就咁唱cash..我係咪應該去百年唱會好過去銀行(我係恆生saving acc)?

    希望可以解答我問題啦….thanks!!!!!!!!

    1. 如果你只係學生, 我唔建議你去歐洲簽卡啦
      一來你簽得唔多
      二來其實中間係有手續費既
      唔知你有冇支票戶口
      如果你有支票戶口既話
      你先係網上面用ebanking將HKD換佐做歐羅或者英磅先
      然後洅去銀行拎出黎 咁就係最抵啦!
      因為咁樣你就可以用到tt rate去換

      如果唔想拎咁多現金既
      拎張銀聯卡去禁都好抵既
      個價起碼抵過用credit card先

        • 奧斯卡 on May 29, 2014 at 7:11 pm
        • Reply

        支票戶口? 你係咪想講外幣戶口

        1. 係呀 hahaha 咁因為如果有支票戶口都會自動開埋個外幣戶口架嘛
          但係如果得儲蓄戶口, 又想開外幣戶口既, 通常要將個戶口升級做個D要有最低結餘個D戶口
          所以我咪咁問囉 HAHAHA

            • RUBY on January 20, 2015 at 9:26 pm

            咁係唔係姐係銀行E-BANKING,港幣>EURO
            會抵過
            歐洲銀聯提款(WITH一般開通左海外提款功能既有銀聯LOGO提款卡)
            同埋百年兌換呢?
            依照你咁講…咁大約簽幾多先算簽卡抵過現金?

            • 小斯 on January 21, 2015 at 5:49 pm
              Author

            歐洲銀聯提款< --差的咁大約簽幾多先算簽卡抵過現金? -->簽幾多都抵過用現金

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