International Cards: USD 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 .You can trade in our bank, UnionPay and Visa organization through using USD Card. USD Card is in  good  accepting environment and  is  powerful in financial function, which can meet the requirements of self-service purchasing with foreign exchange and payment outside. In order to ensure safe trading, you can open and close oversea trading independently. 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 in hand, common use nationwide
In foreign counties, you can consume with USD Cards in more than 22 million Visa special merchants or 0.87 million ATM with “Visa” signs in more than 150 counties and regions. In China, you can withdraw cash from branch and ATMs with “UnionPay” signs, you also can swipe card in the special merchants with “UnionPay” signs and handle the business of universal deposits and withdraws, transfer and remittance, etc.
2. Automatic foreign currency purchasing
When  using  the card overseas, if the USD current cash account and USD spot exchange has insufficient balance, the insufficient part will be automatically paid by purchasing USD using the capital of RMB settlement account of this card, instead of the complex procedures of purchasing USD at a bank counter.
3. Know change of account at any time
If the account opens instant messenger, our bank will notice the Debit Cards accounts that you specified for the increase and decrease of account and balance through SMS, which is speedy and convenient.
4. Online Banking
You can login your personal internet banking through the homepage of China Minsheng Banking Corp. Ltd. (CMBC) to handle the businesses such as changing password, inquiring statement of account, verbal reporting of loss, transferring account, inter-bank remittance; meanwhile, you can also handle intermediate businesses such as personal foreign exchange trading, bank securities transfer, Bank Securities Link, collection and payment.CMBC personal internet banking will provide you with quality service at any time.
5. Save money for holders with low fees
The handling charge is low if withdrawing crossing banks in the same city, depositing and withdrawing at different places through ATM, saving service fee expense for holders.
6. Bonus point
We will regularly put forward bonus point activities to provide you with score accumulation of different weight according to different transaction numbers and amounts of spending, withdrawal and transfer. You can call our customer service hotline (95568) to pay close attention to our activities and your bonus points.
7. Warm service all around
Banking hot-line 95568 will provide you with intimate service in all weathers and all directions ; we are ready to  listen for your telling at any time and solve all problems within your card speedy.

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 Cards: 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 A ssociation.

Tips
1. Overseas transaction switch
For purpose of the safety of your account, the overseas transaction switch of your USD 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 USD 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 and spending limit
According to the specifications of State Administration of Foreign Exchange, the USD Card will execute limit control for overseas withdrawal. Withdrawal limit standard is: accumulative amount not exceeding $1000 for one day, accumulative amount not exceeding $5,000 for one month, accumulative amount not exceeding $10,000 for six months.
If you spend over $20,000 of your USD Card for one day, please open large amount transaction through our customer service personal seat in advance. The large amount transaction, which  is  effective upon opening and be closed automatically after 24 hours, will have no upper limit for spending transaction.