Life & Health Β· π°π· Korea
Korean Card Overseas Payment FX Calculator
Effective FX for Korean credit card overseas payment with VisaΒ·MCΒ·DCC fees.
About this tool
Korean Overseas-Card FX Calculator estimates the actual KRW charge for an overseas purchase. Enter local-currency amount and card brand (VISA / Master / JCB / AMEX / UnionPay), and the tool applies brand fee (VISA/Master ~1.0~1.1%), FX spread (0.18~0.25%), and DCC penalty (~3~5%) β then compares 0%-spread travel cards (Hana Travel-Log, Woori Won+, Travel Wallet) vs regular credit cards (1~1.5%). Useful for Japan duty-free, US hotel, EU dining, and FX-volatility timing. Inputs never leave your browser.
Use cases
Scenario 1
Japan duty-free shopping
For Β₯85,000 at a Tokyo duty-free, instantly see Travel-Log (0%) vs regular (1.0% brand + 0.25% FX) cost gap.
Scenario 2
US hotel DCC avoidance
When a US hotel asks "USD or KRW?", surface the 3~5% DCC penalty if you pick KRW.
Scenario 3
EU restaurant payment
For a β¬78 meal, brand fees are similar across VISA/Master/JCB but a travel card still saves 1.5% on FX spread.
Scenario 4
FX spike comparison
Compare KRW total at 1,420 vs 1,380 KRW/USD on the same USD amount to decide when to charge the card.
Scenario 5
Side-by-side 4-card compare
Pit Hana Travel-Log / Woori Won+ / Travel Wallet / regular credit on the same charge to pick the cheapest.
Features
- Brand fees for 5 networks (VISA/Master/JCB/AMEX/UnionPay)
- Travel card (0%) vs regular (1.0~1.5%) FX spread compare
- Auto DCC penalty 3~5%
- 20+ currencies (USD/JPY/EUR/CNY/THB and more)
- Card-FX snapshot + user override
- Result card PNG + share URL
Frequently asked
- Q. What is DCC and why avoid it?
- A. Dynamic Currency Conversion β merchant uses its own FX, adding 3~5%. Always choose the local currency.
- Q. Are travel cards truly 0%?
- A. Travel-Log / Won+ / Travel Wallet have 0% spread but the brand fee (~1% VISA/Master) still applies. Net 0.5~1% savings vs regular.
- Q. Why is AMEX more expensive?
- A. AMEX uses its own acquiring network with ~1.4% brand fee vs VISA/Master ~1.0~1.1%. Acceptance is also narrower.
- Q. Is UnionPay only good in China?
- A. Slightly cheaper in China and parts of SEA, but limited acceptance in Japan/EU/US.
- Q. Which FX timestamp applies?
- A. Not at swipe β FX uses the card issuer settlement timestamp 1~3 days later.
Sources / references
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How we run it / disclaimer
This tool is advisory and does not constitute legal, tax, medical, or financial advice. All calculations and document generation run in your browser; inputs are never sent to a server. Ads follow Google AdSense policy and are kept separate from tool accuracy.