同樣簽CNY100: Chill: Mastercard匯率、1.95%手續費:CNY100*1.089733=$108.97 回贈 :108.97*0.05 = $5.449 淨支出:108.97-5.449 = $103.521 紅大媽:市價匯率: CNY100*1.0678255=$106.78 回贈 :100*0.044 = $4.4 (CNY1=HKD1) 淨支出:106.78-4.4 = $102.38