幣倍卡刷他種外幣的匯率分享(國外網購) - 信用卡
By Rachel
at 2021-02-11T10:15
at 2021-02-11T10:15
Table of Contents
先講結論:
美元幣倍卡刷美元最有利,刷非美貨幣皆有匯損(不是很多,但也許有人會介意),故國外
網購能刷美元請盡量在平台上轉換成美元再刷;日圓及歐元幣倍卡亦同,請分別轉成日圓
及歐元來刷較有利。
以下附上我一月底及二月初在國外平台上的網購消費:
1.於日本亞馬遜買A商品,消費5057日圓
2.於淘寶買B商品,消費247.17人民幣
(因我於淘寶APP內有切換為以美金計價,故當下實刷金額為38.14美金,而非人民幣)
https://imgur.com/FckgKGB
https://imgur.com/Vm1pmqT
3.於京東買C商品,消費3375.66人民幣
4.於京東買D商品,消費259.8人民幣
https://imgur.com/v43AjpX
至於這幾種非美外幣,刷卡後轉換成美金入帳的匯率如何呢?請見下表計算:
https://imgur.com/Snupd4o
p.s經板友指正,入帳匯率是以「請款日」當天的發卡組織匯率計算,而非消費日
故,除了淘寶那一筆刷卡當下即以美金計算外
其他筆款項皆更正為以請款日之銀行即期匯率作為對照組
由此可知,一次匯損約為0.3~0.7%左右,至於二次匯損只要自己主動用網銀買美元來繳款就
可避免,若是讓銀行自行於繳款當日以台幣扣款,則喪失了讓分優惠(永豐網銀換美金讓3
分),且匯率也不一定比自己選的漂亮。
以上心得分享,歡迎討論
--
美元幣倍卡刷美元最有利,刷非美貨幣皆有匯損(不是很多,但也許有人會介意),故國外
網購能刷美元請盡量在平台上轉換成美元再刷;日圓及歐元幣倍卡亦同,請分別轉成日圓
及歐元來刷較有利。
以下附上我一月底及二月初在國外平台上的網購消費:
1.於日本亞馬遜買A商品,消費5057日圓
2.於淘寶買B商品,消費247.17人民幣
(因我於淘寶APP內有切換為以美金計價,故當下實刷金額為38.14美金,而非人民幣)
https://imgur.com/FckgKGB
https://imgur.com/Vm1pmqT
3.於京東買C商品,消費3375.66人民幣
4.於京東買D商品,消費259.8人民幣
https://imgur.com/v43AjpX
至於這幾種非美外幣,刷卡後轉換成美金入帳的匯率如何呢?請見下表計算:
https://imgur.com/Snupd4o
p.s經板友指正,入帳匯率是以「請款日」當天的發卡組織匯率計算,而非消費日
故,除了淘寶那一筆刷卡當下即以美金計算外
其他筆款項皆更正為以請款日之銀行即期匯率作為對照組
由此可知,一次匯損約為0.3~0.7%左右,至於二次匯損只要自己主動用網銀買美元來繳款就
可避免,若是讓銀行自行於繳款當日以台幣扣款,則喪失了讓分優惠(永豐網銀換美金讓3
分),且匯率也不一定比自己選的漂亮。
以上心得分享,歡迎討論
--
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