Safe and cost-effective payment in Thailand

Preferred exchange rate

Which payment method is the best exchange rate in Thailand , Credit card or Alipay 、 WeChat ？ If it's a credit card , Which card organization has the best card to use ,Master、VISA、 UnionPay 、JCB Or American Express ？ Which bank should be used for the credit card of the same card organization ？ All the above questions , In fact, only one website is needed to solve the problem ,https://www.kuaiyilicai.com/huilv/whichcard.html?ccy=thb, This website will collect all card organizations in real time 、 Bank 、 Alipay 、 Exchange rate changes on wechat , After calculation and sorting , So as to select the most suitable payment method at present , Be careful ： No matter which bank's savings card or credit card is bound to Alipay or wechat , It is based on the exchange rate of Alipay or wechat （ Not the exchange rate of the card organization or the issuer ） Deduct money from the bound card after converting it into RMB . I have observed the trend of the Thai baht for some time , by comparison  , Usually issued by banks Master（ Mastercard ） Card comprehensive exchange rate is better , The exchange rate of Alipay is slightly better at some times .

Plucking wool

Of course , In fact, the exchange rates of various payment methods are not much different , If you want to maximize the value of your trip to Thailand , It's not about sticking to the exchange rate , Instead, keep an eye on the promotions , Pay attention to card organizations before traveling 、 Bank 、 Alipay 、 Wechat offers , Choose the best offer , The most suitable way to collect the largest wool . For example, this time we are catching up with CCB Master and VISA Organize cash back for overseas consumption of credit cards 8%（http://ccb.uncle-ad.com/hot-card/page?cid=7） The activities of , Add MasterCard premium credit card of CCB （http://ccbh5.uncle-ad.com/ccb_yx/yxk.html） Normal activity pen returns 1％（ The maximum accumulated cash back can reach 34%）, Make a good call 91 fold .

matters needing attention

1. It is recommended that you travel abroad , The credit cards of different card organizations each carry a personal protector , For example, this time I was lucky to bring ICBC JCB The credit card ,“ Zen ”SPA use JCB Card discount for 20%, A windfall of wealth , Another example 7-11,300 Credit card can only be used for baht or above , But no Master The card of ,300 Only cash, Alipay and wechat can be used below baht , Guess from this , In order to promote Alipay and wechat in Thailand, the merchant's bill collection fee is exempted .2. Most of the Master and VISA When you swipe Thai baht on your credit card , In fact, Thai baht is converted into US dollars and then converted into RMB for entry , When the Thai baht is converted into US dollars, there will be 1%-2% Currency conversion fee , But because of the fierce competition , Some credit cards have already exempted this fee , All UnionPay credit cards do not charge a currency conversion fee , But the exchange rate of UnionPay is generally not as good as Master and VISA. Call the customer service of the issuing bank before the non UnionPay credit card leaves the country , Ask if your credit card is an international payment credit card , Whether to exempt the currency conversion fee .
3. It is recommended to use a single chip credit card , If you have UnionPay on your credit card +VISA Or UnionPay +Master Try not to use cards with two kinds of identification , This kind of card is usually not safe without a chip , And if you want to use the UnionPay channel with a double standard card , The payee will still go Master or VISA channel , May be charged 1％-2％ Currency conversion fee .
4. There is also a problem that is easy to be ignored , If you brush abroad Master and VISA Credit card , Sometimes the cashier will ask you whether you want to pay US dollars or Thai baht , Must choose Thai baht , If you choose USD , Actually, I left Dynamic Currency Convention（ Dynamic currency conversion ）, abbreviation DCC, Will be charged 3%-5% The handling charge , Be on the safe side , Here's a tip , Is signing POS Single time , write NO USD Then sign your name , In this way, if you return home and find that you have been maliciously DCC, You can complain , The issuer is required to access POS Only to exempt the handling fee . There is absolutely no need to worry that it is better to pay in USD than in baht , When the Thai baht is brushed, the issuer will automatically enter the account in RMB , It's easier .
5. It is recommended to use adhesive tape to block the three digit security code next to the signature strip on the back of the credit card , And don't let the credit card out of sight at any time , In case of theft .

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