【中文版】

在国外使用银行卡时，手续费是一项不可避免的费用。然而，有些银行为了方便客户在国外使用它们的银行卡，提供了免手续费的服务。下面是一些在国外使用时免手续费的银行卡。

首先，中国银行的“长城国际卡”和“中银国际卡”在国外使用时是免手续费的。这些卡可以在国外直接消费支付，并且不需要支付任何手续费。此外，中国银行的“长城借记卡”在国外取现时也是免手续费的。

其次，建设银行的“龙卡国际信用卡”和“龙卡全球支付卡”在国外使用时也是免手续费的。这些卡可以在国外直接消费支付，并且不需要支付任何手续费。

此外，工商银行的“牡丹国际信用卡”和“牡丹国际借记卡”在国外使用时也是免手续费的。这些卡可以在国外直接消费支付，并且不需要支付任何手续费。

总的来说，虽然不同的银行有不同的政策和规定，但有些银行为了方便客户在国外使用它们的银行卡，提供了免手续费的服务。在选择使用哪种银行卡在国外消费时，可以参考银行的手续费政策来做出最佳的选择。

【英文版】

When using a bank card abroad, service charges are an inevitable fee. However, some banks provide free service charges to facilitate customers' use of their bank cards abroad. Here are some bank cards that are free of service charges when used abroad.

Firstly, the "Great Wall International Card" and "BOC International Card" of the Bank of China are free of service charges when used abroad. These cards can be used for direct consumption payment abroad without any service charges. In addition, the "Great Wall ATM Card" is also free of service charges when withdrawing cash abroad.

Secondly, the "Dragon Card International Credit Card" and "Dragon Card Global Payment Card" of China Construction Bank are also free of service charges when used abroad. These cards can be used for direct consumption payment abroad without any service charges.

In addition, the "Peony International Credit Card" and "Peony International ATM Card" of Industrial and Commercial Bank of China are also free of service charges when used abroad. These cards can be used for direct consumption payment abroad without any service charges.

In general, although different banks have different policies and regulations, some banks provide free service charges to facilitate customers' use of their bank cards abroad. When choosing which bank card to use for consumption abroad, you can refer to the bank's service charge policy to make the best choice.