When you are traveling never use Citibank services, they charge a foreign fee. What is a foreign fee? Well, it’s a BS charge for just being abroad. I understand if they charging a fee for debits in a foreign currency, but if you are in a foreign country making purchase in your local currency, you should not be subject to additional charges. For example if you are a US Citibank card holder in Hong Kong and you wish to make a purchase on the US Amazon.com site, you will be subject to the foreign fee even though the process is carried out in USD. This is ridiculous, HSBC and BOA does not charge a foreign fee why do you have to Citi?
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