商戶註册收款地列表 CBF | 以港幣支付海外商戶手續費CBF(唔係DCC) 點解信用卡月結單上有1%手續費?

網購信用卡手續費 海外收款註册地商戶清單(not DCC)

網購網上簽賬信用卡| 商戶註册收款地列表|留心以港幣支付海外商戶手續CBF(唔係DCC)

點解信用卡月結單上有1%手續費?可能你已經中咗CBF!

先Disclaimer咗,以下資料為里先生從公開資料及個人經驗收集,只作參考用途,一切以銀行出單為準。商戶收款註册地隨時會變,如果最後唔係下表所列之結果請唔好怪我…

RECAP 以港幣支付海外商戶: (不準確叫法為DCC) 有銀行稱為跨境港幣交易費 cross-border fee (“CBF”),有部份銀行會免收有關費用。常見於網上交易(該商戶為跨國企業,收款地為海外),用錯信用卡會被收取1%手續費或無積分。未知咩係CBF睇返→外幣簽賬/CBF/DCC篇文章所解釋的DCC,你是以港幣支付海外商戶。 所以如果你海外實地簽賬中咗DCC,香港某些銀行會補多腳收多你一次CBF約為1% (收費表)。有關的手續費會於銀行月結單以另一條交易顯示。要避免CBF最難嘅地方係網上交易時分辨出到底個商戶係唔係海外商戶,下表作參考希望幫到你!

#如有錯誤之處請糾正里先生,有新嘅商戶可以update都希望你可以係→呢張表格到留下你的發現,里先生會定期update以下表格避免下一個受害者!

跨境交易例子: Agoda

跨境交易 cross border transaction cbf交易

相信大家book酒店都用幾多Agoda,無他的,幾間大嘅OTA包括Expedia, Hotels com等幾間比較完扣埋酒店promo code 見到Agoda都係平啲咪用佢。

如果你諗住用Agoda book酒店食埋HSBC最紅冬日賞就要留意喇!攞返最紅大折日時嘅例子,上圖HK$1222.55果條交易係咪食唔到Promotion?答案:按條款的確係食唔到的,因為個註冊地係SG而用咗港幣簽賬,咁就伏咗啦,因為大折日/冬日賞條款海外簽賬(或大部份銀行海外簽賬嘅定義)都需要達到2個條件:

  1. 非港幣交易;及
  2. 海外註冊地

如果其中一個條件唔中都唔算外幣/海外交易,係單腳呢種情況叫做中咗Cross Border Transaction,係promotion角度唔中本地又唔中海外,可以叫做兩邊不是人。某啲銀行如Citi及DBS對呢啲交易唔會俾任何積分,又或有啲銀行要收1% charge (又稱CBF, cross border fee)。有一堆商戶都會係咁,常見就如Uber/ Airbnb/ iHerb,而Agoda最伏,因為無路捉同一張卡同一個網都可以出2個唔同註冊地….

商戶註册收款地列表(CBF)

海外收款註册地商戶清單(唔係DCC)

Catergory
類別
Company
機構名稱
Billing country
收款註册地
HotelsAgodaGB/HK
HotelsAirAsia GoHK
HotelsAirbnbGB
HotelsAsiatravel.comSG
HotelsBooking.comNL
HotelsCheaptickets.hkGB/HK
HotelsCtrip (Trip.com)HK/CN
HotelsDeNA TravelAU
HotelsExpedia.com.hkHK
HotelsHotelclub.comGB
HotelsHotels.com商戶註册收款地列表 CBF | 以港幣支付海外商戶手續費CBF(唔係DCC) 點解信用卡月結單上有1%手續費?HK
HotelsHutchgoHK
HotelsIHGUS
HotelsJapanicanJP
HotelsKaligo HotelsSG
HotelsOtel.comCYP
HotelsAgoda appGB
HotelsWing On TravelHK
HotelsZujiHK
AirlinesAir BusanKR
AirlinesAir CanadaHK
AirlinesAir ChinaCN/HK
AirlinesAir IndiaHK
AirlinesAir New ZealandHK
AirlinesAirasiaHK/MY
AirlinesAnova CulinaCA
AirlinesAsiana AirlinesHK
AirlinesBritish Airways (redeem)GB
AirlinesBritish Airways (purchase)HK
AirlinesCathay Dragon (Dragonair)HK
AirlinesCathay PacificHK
AirlinesCebu PacificPH
AirlinesChina AirlineHK
AirlinesDelta AirlinesHK
AirlinesEmiratesHK
AirlinesEva AirHK
AirlinesFinnairFI
AirlinesHong Kong AirlinesHK
AirlinesJapan AirlinesHK
AirlinesJeju airKR
AirlinesJetstar AsiaHK
AirlinesJetstar JapanJP
AirlinesJetstar PacificAU
AirlinesJin AirHK
AirlinesKorean AirHK
AirlinesLufthansaHK
AirlinesPeach AirJP
AirlinesQantas AirwaysHK
AirlinesQatar AirHK
AirlinesScandinavian Airlines (SAS)HK
AirlinesScootHK
AirlinesSingapore AirHK
AirlinesSpring AirlinesHK
AirlinesThai AirwaysTH
AirlinesTigerairSG/HK
AirlinesTripairGR
AirlinesUberNL
AirlinesUnited AirlinesHK
AirlinesVanilla AirJP/US
AirlinesVietnam AirlinesVN
AirlinesVirgin AtlanticHK
AirlinesVirgin Atlantic AustraliaAU
InsuranceACE insuranceHK
InsuranceAIG Travel GuardHK
InsuranceBlue CrossHK
InsuranceHong Leong InsuranceHK
InsuranceMSIG InsuranceHK
InsurancePrudential InsuranceHK
OthersANA Sky HolidayHK
OthersCelebrity CruisesFR
OthersCPA Australia Hong KongHK
OthersDeliverooHK
OthersDimbuyHK
OthersEconomy Car RentalGR
OthersElectronic ArtsCH
OthersEntertainerCY
OthersFacebookIE
OthersFEDEX Hong KongHK
OthersFoodpandaHK
OthersGoogle PlayGB
OthersGoogle AdwordsSG
OthersKickstarterUS/HK
OthersKKdayTW
OthersKlookHK
OthersMicrosoftSG
OthersPaypalHK/SG
OthersRentalCars.comGB
OthersSkypeLU
OthersSpotifyUS
OthersThe EntertainerCY
OthersTravelikerHK
ShoppingA&FHK
ShoppingAmazon JapanJP
ShoppingAmazon USUS
ShoppingApple StoreHK
ShoppingApple Store (iTune App)LU
ShoppingASOSGB
ShoppingAvenue32HK
ShoppingEtsyIE
ShoppingGMarketKR
ShoppingGrouponCH
ShoppingH&MSE
ShoppingiHerbCA
ShoppingMr. PorterGB
ShoppingPinkoiTW
ShoppingRalph LaurenEU
ShoppingSasaHK
ShoppingSmartbuyglassIT
ShoppingTaobaoCN/HK
ShoppingWiggle.comGB
ShoppingZaloraHK
ShoppingZaraHK
分享俾你朋友!