Vietnam shopping, AI subscription top-ups, various streaming membership services—these seemingly unrelated consumption needs can now be handled with a single virtual card. The recent popularity of U Card is quite straightforward: zero fees plus real-time exchange rates. This combination is indeed highly attractive for cross-border spending. Especially when dealing with multi-currency payments, it eliminates intermediate fees, and the exchange rate is calculated instantly, much faster than traditional cards. More and more people are beginning to realize that virtual cards are not just payment tools but also a solution to the fragmentation of cross-border consumption.