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暑期出境游带哪张卡？招商银行Visa全币种国际信用卡多重返现与汇率补贴详解_我的网站

一 |           　　暑期出境游热度持续攀升，跨境支付需求随之激增。面对“境外消费办Visa卡推荐哪家银行”“出国旅游推荐办哪家银行的信用卡”等高频咨询，招商银行Visa全币种国际信用卡凭借返现力度大、使用更便捷的综合优势，正成为越来越多出境旅客与留学生的选择。      　　笔笔1%返现，无门槛叠加多重福利      　　对于境外消费而言，最直接的省钱方式莫过于返现。招商银行Visa全币种国际信用卡持卡人可通过“掌上生活App”报名参与境外消费返现活动，在境外指定目的地线下商户刷卡、插卡、拍卡(含绑定Apple Pay)，可享笔笔1%返现，单卡组每位主卡持卡人累计最高返500元。    Healthier Cookies Made from Banana Waste,Researchers from the Aligarh Muslim University in India and the University of Houston in the US discovered a new use for banana peels that normally go to waste, suggesting they may be turned into flour and then added to your favorite cookie recipe.,As it turns out, adding banana peel flour improves the nutritional value of cookies and imbues them with antioxidant properties useful for your health. There is slight downside though – the cookies became tougher the more banana flour you add, but miraculously soften after a certain period in storage. So, healthy cookies, anyone?,New Internet Highs (and Emergency Services),Rejoice the pilgrims to Kilimanjaro (Africa's highest mountain, in case you didn’t know), for the authorities of Tanzania announced the launch of a new project that will enable high-speed internet access on your mobile devices as you climb to the peak. Although the summit itself will be connected later on, the plan is to finish the project in October this year.,This is good news not only for those who love to post to their social media on the go, but also for those who love getting themselves in trouble! Previously, there was no cell service on the mountain and calling 911 in an emergency was kind of problematic. But not anymore!,Looking With a Fresh Pair of Eyes,Damage or degradation of corneas is no small issue – according to the scientists' estimates, some 12.7 million people around the world suffer vision loss due to it. And while cornea tissue is transplantable, there is not nearly enough donated tissue to serve all who faced this problem.,However, scientists from India and Iran managed to restore sight in 20 test patients during a trial of new bio-engineered (meaning you can always produce more) corneal tissue. It is made from the collagen of pig skin - not the rarest material in the world. Naturally, it will take time to scale the technology and thoroughly test it, but it's a success nonetheless.,Nanoparticles That Can Treat Cancer,Scientists of the Immanuel Kant Baltic Federal University in Russia have developed new nanoparticles made of gold and iron oxides that can destroy the cells of a tumor from the inside, while sparing the healthy ones, sources in the Russian Science Ministry told Sputnik. These particles, developed jointly with foreign scientists, can heat up and thus destroy cancerous cells.,The new technology tested well against cancer cells in breasts and walls of blood vessels. It also showed excelled biocompatibility – meaning it is not toxic for a human organism.。在当前境外消费返现市场中，招行这张卡“笔笔1%”的返现力度，属于相当实在的让利水平。与此同时，今年暑期出境游持续火爆——上半年全国累计查验出入境人员达3.69亿人次，同比增长10.8%，其中内地居民出境超8800万人次——在如此密集的境外消费场景中，让持卡人可以安心刷卡，从容享受每一笔消费的真实回馈。

二 |      　　参与活动前一定要特别注意在掌上生活App上查看下活动规则、活动日期和奖品份数，领完即止。     　　0外汇兑换费，跨境消费无隐形负担      　　在省钱维度之外，招商银行Visa全币种国际信用卡为持卡人免收1.5%外汇兑换手续费。这意味着在全球任意国家使用外币消费或取现，均无需承担这笔隐性成本，尤其适合币种频繁转换的旅行场景，让每一笔消费都花得明白。     　　人民币记账还款&有效期内无条件免年费      　　该卡支持所有外币交易自动购汇以人民币记账，持卡人只需以人民币还款，无需在回国后自行购汇，不仅简化了还款流程，也避免了因汇率波动带来的额外成本。     　　此外，卡片在有效期内无条件免收年费，无任何附加消费条件，进一步降低了持卡门槛，对于初次办理境外支付卡的持卡人而言尤为友好。     　　“非常境外游”320元汇率补贴，叠加返现更划算      　　在“掌上生活App”搜索“非常境外游”领取320元汇率补贴券包，在韩国、新加坡、泰国、马来西亚、澳大利亚、新西兰等指定境外目的地线下商户，使用招商银行个人信用卡单笔消费达标即可实时抵扣。

三 | 该补贴可与上述返现活动叠加使用，实现“返现+补贴”双重优惠。     　　Apple Pay境外支付专属优惠      　　在“掌上生活App”搜索“Apple Pay”进行报名，将招商银行Visa全币种国际信用卡绑定Apple Pay后，持卡人在境外线下商户使用Apple Pay支付，可享笔笔1%返现，每位主卡持卡人最高累计返现100元人民币。     　　参与活动前，请务必通过“掌上生活App”查看具体活动规则、活动日期及奖品份数，各项返现及补贴名额有限，领完即止。     　　安全用卡提醒与行前准备      　　出境用卡还需留意防盗刷与汇率陷阱。招商银行Visa全币种国际信用卡采用符合国际EMV标准的芯片卡，支持接触式插卡支付与非接触式拍卡支付(Visa payWave)，相比传统磁条卡具有更高的安全级别，可有效降低卡片被复制盗刷的风险。

四 | 该卡采用“芯片+磁条”复合卡形式，在境外芯片受理环境已普及的国家和地区，建议优先使用芯片交易方式，避免因磁条刷卡带来的安全隐患。

五 |      　　在线上支付安全方面，招商银行Visa信用卡支持“Visa验证”(Verified By Visa)服务，即业内常说的“3D Secure”功能。该服务通过设置个人密码等方式对持卡人身份进行核实，在参与该服务的境外网络特约商户处购物时，系统会主动要求输入验证密码，核对无误后银行方授权交易，可有效降低信用卡在网络被盗刷的风险。     　　此外，招商银行信用卡还建议持卡人：出发前通过“掌上生活App→我的→安全中心→出境助手”报备行程;在境外付款时明确告知收银员以当地货币结算，避免DCC(动态货币转换)交易产生额外费用;信用卡与身份证、护照分开存放;刷卡时确保卡片不离开视线，并注意遮挡CVV码。

六 | 一旦发现非本人交易，可立即打开“掌上生活App”搜索“一键锁卡”保护卡片，并联系发卡行冻结。     　　(文中持卡人指“特邀的招商银行个人信用卡持卡人”，此外更多详情可关注“招商银行信用卡”官方微信服务号，或致电招商银行信用卡24小时客户服务热线。)【广告】免责声明：本内容为广告，相关素材由广告主提供，本文仅代表作者个人观点，与本网无关。本网发布目的在于传递更多信息，并不代表本网赞同其观点和对其真实性负责，广告内容仅供读者参考，请自行核实相关内容。

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