Foreign Currency Calculator
Calculate net rebate after FX fees to find the best card for overseas spending
FX Spending Tips
- • Visa / Mastercard typically charge a 1.95% foreign transaction fee
- • UnionPay cards typically charge 0-1% fee
- • Some cards (e.g. SC Smart, Mox) waive FX fees
- • Net rebate = Rebate rate - FX fee. If the fee exceeds the rebate, you lose money