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Debit Cards

International Cards: AUD Card

Minsheng International Cards-USD Card is a kind of debit card issued by our company, which is suitable for the issuing standards of UnionPay and Visa organization, it can settle accounts by two currencies, deposit first and consumption second; using USD Card, you can trade in our bank, UnionPay and Visa organization. It is a kind of debit card incorporating foreign currency payment, multiple currency saving, financial functions and value-added services as a whole.

Features
1. One-card multi-currency, traveling around the world
If you use AUD card overseas, you can spend at any specially appointed VISA stores or withdrawal local currency on ATMs with VISA marks. If you use AUD card domestically, you can withdrawal RMB cash at any one of our branches or on ATMs with “UnionPay” marks, or swipe card to spend at any specially appointed stores marked with “UnionPay”.

2. AUD settlement, saving 1%
When you use AUD card to spend in AUD areas, you can save about 1% of the currency exchange charges and exchange fees caused by exchange rate changing compared to double-currency international card.

3. Automatic foreign currency purchasing, worry-saving and time saving
When you use the AUD card overseas (including spending and withdrawal), if the AUD current settlement account has insufficient balance, the insufficient part will be automatically paid by purchasing AUD using the capital of RMB settlement account of this card

4. Overseas transaction, safe and reliable
You may choose to open or close the overseas transaction function of the AUD card at any one of our branches, Mobile Banking and online banking as you need. Once the overseas transaction function is closed, the overseas spending and withdrawal function of the AUD card will be suspended to strongly enhance the safety control and risk prevention of the card.

5. Short message service, well-controlled
You can apply for the function of account information instant messenger of our bank, by which we will send short message to present the transaction condition of your account to help you to understand the capital usage situation and secure capital safety.

6. Comprehensive wealth management, perfect functions
When you use your AUD card at home, you can enjoy multi functions such as deposit, withdrawal, account transfer, spending and collection and payment of public utility charges. At the same time, you can also enjoy comprehensive wealth management services such as “money produces money” wealth management account, personal foreign exchange trading, funds trading and domestic and foreign currency wealth management.

7. Warm service, all around
Nearly 300 branches, self-service banking, online banking, 24-hour customer service center of CMBC in more than 20 provinces and cities across the country will provide you with quality services everywhere.

8. Select your own card number, highlight personality
You can select card number according to your preference to highlight personality.

Service Charges

1. Counter path
Deposits and withdraws of foreign currency is free of charge in the same bank of the same city; Deposits and withdraws of domestic currency in the same bank at different cities is 3‰ of transaction amount, 5 Yuan at least and 50 Yuan at most; Deposits and withdraws of foreign currency in the same bank at different cities is 5‰ of transaction amount, $2 at least and $10 at most; remittance in a different bank at different cities, it shall implement based on the standard of electric remittance and transfer of supervision department.

2. Self-service equipment path
ATM withdrawal is free of charge in the same bank of the same city; in a different bank in the same city, ATM withdrawal is free of charge for first 3 times and charged for 2 Yuan/time since the forth time; ATM withdrawal/transfer in the same bank at a different city is 5 Yuan/time.

3. Telephone banking path
The mobile banking transfer is free of charge in the same bank of the same city; for the mobile banking transfer in the same bank at different cities, the service fee includes 1 Yuan/time of voice fee, 2Yuan/time of labor cost, and the charge for remittances is collected based on 1‰ of transaction amount, 1 Yuan at least and 10 Yuan at most; for the mobile banking transfer in a different bank at the same city, the service fee includes 1 Yuan/time of voice fee, 2Yuan/time of labor cost, and 2 Yuan/time of charge for remittances; for the mobile banking transfer in a different bank at different cities, the service fee includes 1 Yuan/time of voice fee, 2Yuan/time of labor cost, and the charge for remittances shall be based on the standard of electric remittance and transfer of THE PEOPLE’S BANK OF CHINA; the transfer to the same account in the same bank of same city is free of charge; the charge for remittances to the same account in the same bank of different cities is 1‰ of transaction amount, 1 Yuan at least and 10 Yuan at most.

4. Online banking path
The online banking transfer is free of charge in the same bank of the same city; the charge for online remittances in the same bank at different cities is 1‰ of transaction amount, 1 Yuan at least and 10 Yuan at most; the charge for online remittances in a different bank at the same city is 2Yuan/time; the charge for online remittances in a different bank at different cities is collected based on 80% of remittance and transfer standard of THE PEOPLE’S BANK OF CHINA; the initiative collecting in the same bank of the same city is free of charge; the initiative collecting in a different bank is 1‰ of transaction amount, 1 Yuan at least and 10 Yuan at most, which is deducted from the transferred account.

5. Other paths
Handling charge of overseas withdrawal: 1% of transaction amount, the lowest is $2/time, the highest is $10/time; overseas inquiring service charge: $5/time
Note: specific standard is shown in the relevant notice of our bank.

Application and Approval Process
You can apply for CMBC international USD card at any branch of CMBC  by  fill ing  in relevant forms and provid ing  efficient ID certificate.

Service Paths
Minsheng UnionPay Debit Card can be used in branch, online banking, self-service banking, Mobile Banking, special unit, and commissioning branches of UnionPay nationwide  and Visa Association .

Tips
1. Overseas transaction switch
For purpose of the safety of your account, the overseas transaction switch of your AUD card is closed when you open your card. You can open/close overseas transaction through our customer service manual seat, online banking or counter.
2. POS spending
Swipe card to spend at the specially appointed domestic stores marked with “UnionPay”, and sign to spend at the specially appointed overseas stores marked with “VISA”.
3. Lose card
If you have lost your AUD card overseas, please dial the hotline of (008610) 95568 and apply for card loss. Or you can call for the help of VISA international association to use its emergency assistance to protect the safety of personal property.
4. Withdrawal, spending limit
Withdrawal limit standard is: accumulative amount not exceeding $1,000 for one day, accumulative amount not exceeding $5,000 for one month, accumulative amount not exceeding $10,000 for six months. Bank card – international card

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