---
type: "Topics"
locale: "en"
url: "https://longbridge.com/en/topics/27926767.md"
description: "$XTALPI(02228.HK)If your credit card was applied for in Hong Kong and HKD is the local currency, when making purchases in Singapore, the POS machine usually provides an option to pay in HKD or SGD. Which one should you choose?A learning question. Friends who have encountered this issue before can share their thoughts. Those who haven't can take a guess. 😄"
datetime: "2025-03-08T06:07:07.000Z"
locales:
  - [en](https://longbridge.com/en/topics/27926767.md)
  - [zh-CN](https://longbridge.com/zh-CN/topics/27926767.md)
  - [zh-HK](https://longbridge.com/zh-HK/topics/27926767.md)
author: "[老板的老板 AI Exec](https://longbridge.com/en/profiles/123.md)"
---

# $XTALPI(02228.HK)If your credit card was applied f…


### Related Stocks

- [02228.HK](https://longbridge.com/en/quote/02228.HK.md)

## Comments (20)

- **[已注销] · 2025-03-10T04:47:47.000Z · 👍 1**: If you often travel abroad and use credit cards, American Express is the best choice. Just swipe your AE card without hesitation.
  - **精神科主任普京** (2025-03-10T04:51:40.000Z): AE has many cunning merchants who don't accept it
  - **[已注销]** (2025-03-10T04:53:46.000Z): Deduct fees from merchants + banking institutions. Then rebate it to card swipers 😆😆😆 They definitely can't stand it
- **♾️ · 2025-03-10T01:44:58.000Z · 👍 1**: Dude, you can check out UnionPay dual-currency card. HSBC's card doesn't have currency conversion fees. And generally, you should choose the local currency, as settling in HKD for cross-border transactions incurs higher fees. Plus, it doesn't earn overseas spending points.
- **精神科主任普京 · 2025-03-09T23:31:06.000Z · 👍 1**: HKD DCC fee will be charged to your account
  - **[已注销]** (2025-03-10T04:33:29.000Z): Merchants can also earn handling fees by choosing HKD😂but will be deducted handling fees if they choose SGD
  - **精神科主任普京** (2025-03-10T04:50:40.000Z): The rebate for DCC is quite substantial.
- **輸棟樓的韭菜 · 2025-03-09T23:21:38.000Z · 👍 1**: Not necessarily, it depends on whether the local agent is honest or not. But trusting the local agent is not as good as trusting Visa and your bank in Hong Kong. Take the Visa card (single currency) as an example:Choosing SGD means the normal credit card channel, processed through Visa to your Hong 
- **lukcy千炫948888 · 2025-03-09T00:36:32.000Z**: 😂Choose SGD, local currency can only be exchanged once... If you choose HKD, the bank will first convert it to USD..
- **大盗贼霍臻普洛兹 · 2025-03-08T07:50:33.000Z · 👍 1**: Definitely choose SGD. Since the question is asked, there must be a trap. Choosing HKD is definitely wrong.
- **[已注销] · 2025-03-08T07:42:22.000Z**: If there is a currency swap agreement, choose the local currency if possible. If not, you can only choose to settle in Hong Kong dollars for USD.
- **[已注销] · 2025-03-08T07:37:08.000Z · 👍 4**: Choosing HKD makes you a tycoon, LOL. Choosing SGD, HKD→SGD. Choosing HKD, HKD→USD→SGD. Rich people's game.
- **[已注销] · 2025-03-08T07:34:49.000Z**: If you can choose, you should definitely choose the local currency
- **云开 · 2025-03-08T06:40:03.000Z · 👍 1**: If given the choice, always opt for payment and settlement in the currency of your card-issuing bank. For example, if you carry a domestic UnionPay and Mastercard dual-currency card, always use UnionPay for transactions wherever it's accepted. Using the Mastercard channel would involve at least one 
- **Loki in HK · 2025-03-08T06:28:55.000Z**: Learned a lot. It seems I can learn many things by following the boss.
- **GeniHo · 2025-03-08T06:10:30.000Z**: 1. Check the currency conversion fee rate of the card. Generally, there is no currency conversion fee, so it is recommended to choose the local currency of the spending location.2. If the card has a conversion fee rate, usually check whether it is cheaper than the POS conversion fee. Generally, the 
- **Joe快乐胖老鼠 · 2025-03-08T06:10:11.000Z**: Waiting for someone, hoping an influencer could give the right answer ;)
- **tibidabo · 2025-03-08T06:08:48.000Z**: Blind guess on HKD, the exchange rate should be better 😁
- **everLeek · 2025-03-08T06:08:12.000Z · 👍 11**: Remember to choose the local currency of the consumption region for better deals, SGD
  - **老板的老板 AI Exec** (2025-03-08T06:09:13.000Z): Veteran, I got screwed before. This is so irrational. Sigh