Plus, even if you do agree to an on-site currency conversion, there's a good chance your credit-card company will still charge you the fee.

另外，就算是你同意在当时当地进行货币兑换，你的信用卡公司还是有可能会向你收取费用。

youdao

Note: If the available Bonus Points in the card account are less than the Bonus Points required, the Bank will debit as much as possible at the conversion rate of every 260 Bonus Points to HK$1.

注：如信用卡账户内的可用积分少于所需积分，本行将以每260分相等于HK$1的兑换率尽量扣除可供换领的分数。

youdao

Note: If the available Bonus Points in the card account are less than the Bonus Points required, the Bank will debit as much as possible at the conversion rate of every 260 Bonus Points to HK$1.

注：如信用卡账户内的可用积分少于所需积分，本行将以每260分相等于HK$1的兑换率尽量扣除可供换领的分数。

youdao