Best Credit Cards in Hong Kong

Updated August 2019

Choosing a credit card that best fits you is overwhelming, but MoneySmart.hk will help you pick out a good credit card to complement your spending habits.

Popular Credit Cards

HK$200 Voucher!

DBS Black World Mastercard

$240,000

Min. Annual Salary

0.8%

Cash back on local spend

$6 = 1 Mile

Miles Conversion (local spend)

MoneySmart Exclusive: HK$200 Supermarket VouchersValid till 31 Aug 2019.
  • Last Chance! Welcome offer: Up to 120,000 miles
MoneySmart Exclusive: HK$200 Supermarket VouchersValid till 31 Aug 2019.

Key Features

  • HK$6 = 1 Mile (Local)
  • HK$4 = 1 Mile (Overseas)
  • No charges on the conversion from DBS$ to miles
  • Can use DBS$ to redeem air tickets or hotels in iGO Rewards

Annual Interest Rate and Fees

Annual Interest Rate36.33%
Principle Annual FeeHK$2,000
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentVaries. For more info, view T&C
Interest Free PeriodUp to 60 Days

Minimum Income Requirements

Local ResidentHK$240,000
ForeignerHK$240,000

Other

Card AssociationMastercard
Wireless PaymentN.A.

Extra HK$300 cash rebate

WeWa UnionPay Card (applicable to designated Full-time University /Tertiary Students)

$0

Min. Annual Salary

4%

Cash back on local spend

N.A.

Miles Conversion (local spend)

MoneySmart Exclusive: Successfully applied through MoneySmart: Extra HK$300 cash rebateValid till 31 Aug 2019.
  • Welcome offer: HK$200 Cash Rebate (equivalent to 10% Cash Rebate )  or  A set of Round-trip Standard Seat Flight Tickets for One Passenger from Hong Kong to Japan (Osaka or Okinawa) with HK$100 Hotel Voucher or HK$600 Häagen-Dazs™ Gift Voucher
MoneySmart Exclusive: Successfully applied through MoneySmart: Extra HK$300 cash rebateValid till 31 Aug 2019.

Key Features

  • Earn HK$10 Cash Rebate for every HK$250 spending at specific categories (“Travel”, Cinema”, “Karaoke” and “Theme Park”) all year round
  • Access to 130 designated LoungeKey airport lounges
  • HK$1 for handcrafted beverages in HK Aiport Pacific Coffee
  • Handling fee waiver for overseas spending
  • Buy 1 get 1 free ticket in Cinema City on Friday or Saturday

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentHK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Interest Free Period53 Days

Minimum Income Requirements

Local ResidentHK$0
ForeignerHK$0

Other

Card AssociationUnionpay
Wireless PaymentUnionPay QuickPass, Apple Pay

Extra HK$300 cash rebate

WeWa UnionPay Card

$0

Min. Annual Salary

4%

Cash back on local spend

N.A.

Miles Conversion (local spend)

MoneySmart Exclusive: Successfully applied through MoneySmart: Extra HK$300 cash rebateValid till 31 Aug 2019.
  • A set of Round-trip Standard Seat Flight Tickets for One Passenger from Hong Kong to Japan (Osaka or Okinawa) with HK$100 Hotel Voucher or HK$500 Cash Rebate or HK$600 Häagen-Dazs™ Gift Voucher
MoneySmart Exclusive: Successfully applied through MoneySmart: Extra HK$300 cash rebateValid till 31 Aug 2019.

Key Features

  • Earn HK$10 Cash Rebate for every HK$250 spending at specific categories (“Travel”, Cinema”, “Karaoke” and “Theme Park”) all year round
  • Access to 130 designated LoungeKey airport lounges
  • HK$1 for handcrafted beverages in HK Aiport Pacific Coffee
  • Handling fee waiver for overseas spending
  • Buy 1 get 1 free ticket in Cinema City on Friday or Saturday

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentHK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Interest Free Period53 Days

Minimum Income Requirements

Local ResidentHK$0
ForeignerHK$0

Other

Card AssociationUnionpay
Wireless PaymentUnionPay QuickPass, Apple Pay

Extra HK$300 cash rebate

EarnMORE UnionPay Card

HK$0

Min. Annual Salary

2%

Cash back on local spend

N.A.

Miles Conversion (local spend)

MoneySmart Exclusive: Successful application through MoneySmart Extra HK$300 cash rebateValid till 31 Dec 2019.
  • Welcome Offer & Suning Spending Offer: Enjoy up to HK$2,000 cash rebate with EarnMORE UnionPay Card (Promotional Period valid till 31 Aug 2019)
MoneySmart Exclusive: Successful application through MoneySmart Extra HK$300 cash rebateValid till 31 Dec 2019.

Key Features

  • Up to 2% Cash Rebate for all categories eligible purchase
  • Automatic Add Value Service in Octopus Card also have up to 2% cashback
  • Access to 130 designated LoungeKey airport lounges
  • Buy 1 get 1 free ticket in Cinema City on Friday or Saturday
  • From 1 July 2019 to 31 August 2019, $1,000 cash rebate when spend $10,000 in Suning

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentHK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance (excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Interest Free Period53 days

Minimum Income Requirements

Local ResidentHK$0
ForeignerHK$0

Other

Card AssociationUnionpay
Wireless PaymentUnionPay QuickPass, Apple Pay
AEON UnionPay Credit Card

$0

Min. Annual Salary

1%

Cash back on local spend

N.A

Miles Conversion (local spend)

  • Welcome offer up to HK$500 and Get free ticket for “6 October AEON Ocean Park Halloween Joyful Event”. Enjoy exclusive 1.5% cash advance handling charge rebate

Key Features

  • Members can enjoy 5% credit purchase discount* at AEON on "Thanksgiving Days" (2nd & 20th of every month)
  • Enjoy more savings all year-round with the "AEON Member Price"
  • Permanent Annual Fee Waiver

Annual Interest Rate and Fees

Annual Interest Rate31.59%
Principle Annual FeeHK$0
Supplementary Annual FeeN/A
Fee WaiverPermanent Annual Fee Waiver
Minimum Monthly Repayment4% of credit purchase balance and cash advance balance or HK$100 each, whichever is higher ; 80% of credit purchase balance
Interest Free Period

Minimum Income Requirements

Local ResidentHK$0
ForeignerHK$0

Other

Card AssociationUnionPay
Wireless PaymentN/A

HK$300 Voucher!

Citi Rewards Visa Card

$150,000

Min. Annual Salary

3.2%

Cash back on local spend

$3 = 1 Mile

Miles Conversion (local spend)

MoneySmart Exclusive: HK$300 Voucher!Valid till 31 Aug 2019.
  • Welcome Offer of up to HK$600 Cash Coupon
MoneySmart Exclusive: HK$300 Voucher!Valid till 31 Aug 2019.

Key Features

  • 5X rewards points on spending at select supermarkets, department stores and telecom providers (HK$3 = 1 mile); 8X reward points on your birthday month (HK$1.875 = 1 mile)
  • Redeem designated cash coupons with at least 10% off, movie tickets, air miles or instantly offset spending anytime with points that never expire
  • First Year Annual Fee Waiver

Annual Interest Rate and Fees

Annual Interest Rate35.52%
Principle Annual FeeHK$1,800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly Repayment1.5% of monthly balance + fees
Interest Free PeriodUp to 58 days

Minimum Income Requirements

Local ResidentHK$60,000
ForeignerHK$60,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave
American Express Cathay Pacific Elite Credit Card

$300,000

Min. Annual Salary

N.A

Cash back on local spend

$6 = 1 Mile

Miles Conversion (local spend)

  • Welcome offers up to 76,000 Asia Miles

Key Features

  • HK$6 = 1 Mile on local spending
  • HK$6 = 1.5 Mile on foreign currency spending
  • HK$6 = 2 Miles on Cathay Pacific flight booking
  • Covert your spend into Asia Miles automatically with no handling fee
  • Enjoy 10% discount on purchase of Asia Miles Gift Miles, Mileage Renewal and Transfer Fee

Annual Interest Rate and Fees

Annual Interest Rate37.67%
Principle Annual FeeHK$1,800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly Repayment The Minimum Payment is calculated as the highest of the following three amounts: (i) 1.5% of outstanding Principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220 , plus any overdue minimum payments and any amount exceeding your credit limit
Interest Free Period

Minimum Income Requirements

Local ResidentHK$300,000
ForeignerHK$300,000

Other

Card AssociationAmerican Express
Wireless PaymentAmex Pay

HK$250 Voucher!

Standard Chartered Simply Cash Visa Card

HK$96,000

Min. Annual Salary

1.5%

Cash back on local spend

N.A.

Miles Conversion (local spend)

MoneySmart Exclusive: HK$250 Supermarket VouchersValid till 31 Aug 2019.
MoneySmart Exclusive: HK$250 Supermarket VouchersValid till 31 Aug 2019.

Key Features

  • Unlimited cash rebate with no minimum spending
  • 1.5% Cash Rebate on local currency spending
  • 2% Cash Rebate on foreign currencies spending
  • 1.5% rebate on online shopping and automatic add value service of Octopus Card

Annual Interest Rate and Fees

Annual Interest Rate33.41%
Principle Annual FeeHK$2,000
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentAll interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$220, whichever is higher
Interest Free PeriodUp to 56 days

Minimum Income Requirements

Local ResidentHK$96,000
ForeignerHK$0

Other

Card AssociationVisa
Wireless PaymentVisa PayWave
Dah Sing ONE+ Credit Card

$150,000

Min. Annual Salary

1%

Cash back on local spend

N.A.

Miles Conversion (local spend)

Key Features

  • Up to HK$900 cash rebate for welcome offer
  • Unlimited 1% cash rebate in local / overseas spenging
  • 1% cash rebate in Octopus Add Value

Annual Interest Rate and Fees

Annual Interest Rate35.70%
Principle Annual FeeHK$1,800
Supplementary Annual FeeN/A
Fee WaiverFirst 2-year
Minimum Monthly Repayment(i) If the Monthly Statement Balance is HK$/RMB200 or above, the minimum payment will be the total amount of bank service fees and financial charges plus 1% of total outstanding balance of transactions or HK$/RMB200 (whichever is higher); or (ii) if the Monthly Statement Balance is less than HK$/RMB200, the minimum payment will be the Monthly Statement Balance
Interest Free PeriodUp to 60 days

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$0

Other

Card AssociationMastercard
Wireless PaymentMastercard PayPass

HK$200 Vouchers!

DBS COMPASS VISA

HK$100,000

Min. Annual Salary

1%

Cash back on local spend

HK$10 = 1 Mile

Miles Conversion (local spend)

MoneySmart Exclusive: HK$200 Supermarket VouchersValid till 31 Aug 2019.
  • LE MAUICE® MARMO BIANCO SUITCASE / Dyson Pure Cool Link Desk DP03 White Sliver (Redemption fee: HK$2,880)
MoneySmart Exclusive: HK$200 Supermarket VouchersValid till 31 Aug 2019.

Key Features

  • Minimum annual salary = HK$100,000
  • Air Miles (Local) = HK$10 / Mile
  • Cashback (Local) = 1.00%
  • Cashback will be 0.40% if transaction not made at specified merchants
  • Interest free instalments with the usage of DBS Omni
  • Enjoy a buy-5-get-1-free coffee discount at 40+ coffee shops include Starbucks Coffee, Pacific Coffee, Caffe Habituate, Pret A Manager, Public, Agnes b. Cafe L.P.G, The Coffee Academics etc

Annual Interest Rate and Fees

Annual Interest Rate35.70%
Principle Annual FeeHK$300
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentN.A
Interest Free Period1% of monthly balance + fees

Minimum Income Requirements

Local ResidentHK$100,000
ForeignerHK$100,000

Other

Card AssociationVisa
Wireless PaymentVisa Paywave
Dah Sing ANA World Mastercard

$150,000

Min. Annual Salary

N.A.

Cash back on local spend

$8 = 1 Mile

Miles Conversion (local spend)

  • Welcome offer up to 8,000 Miles + HK$4 = 1 Mile on overseas spending + online exclusive extra HK$100 cash rebate!

Key Features

Annual Interest Rate and Fees

Annual Interest Rate35.70%
Principle Annual FeeHK$1,200
Supplementary Annual FeeN/A
Fee Waiver1st year
Minimum Monthly Repayment(i) If the Monthly Statement Balance is HK$200 or above, the minimum payment will be the total amount of bank service fees and financial charges plus 1% of total outstanding balance of transactions or HK$200 (whichever is higher); or (ii) if the Monthly Statement Balance is less than HK$200, the minimum payment will be the Monthly Statement Balance
Interest Free PeriodUp to 60 days

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$0

Other

Card AssociationMastercard
Wireless PaymentMastercard PayPass
BEA i-Titanium Card

HK$40,000

Min. Annual Salary

4.8%

Cash back on local spend

N.A.

Miles Conversion (local spend)

  • Welcome offer: HK$500 Cash Rebate / Antler 27" Expandable Suitcase! + Extra HK$300 Cash Rebate upon overseas retail/online foreign currency transaction Valid till 2 Oct 2019

Key Features

  • Choose from 4 colours of card
  • 10% off on MCL and UA Cinemas movie tickets
  • Discounted offer on multiple travel websites
  • Welcome students to apply

Annual Interest Rate and Fees

Annual Interest Rate36.43%
Principle Annual FeeHK$600
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentHigher of HK$50 or 1% of monthly balance + fees
Interest Free Period56 days

Minimum Income Requirements

Local ResidentHK$40,000
ForeignerHK$0

Other

Card AssociationMastercard
Wireless PaymentMastercard PayPass

HK$400 Voucher

American Express® Platinum Credit Card

$300,000

Min. Annual Salary

1%

Cash back on local spend

$5 = 1 Mile

Miles Conversion (local spend)

MoneySmart Exclusive: HK$400 Voucher!Valid till 31 Aug 2019.
  • American Express welcome offer of up to HK$2,960
MoneySmart Exclusive: HK$400 Voucher!Valid till 31 Aug 2019.

Key Features

  • As low as HK$5 = 1 Air Mile
  • Redeem membership reward points for different benefits - offset spending with cash back or redeem for free flights and upgrades
  • Enjoy 9% off and an extra HK$100 cash back on Expedia & other hotel benefits
  • Entertainment benefits such as discounted movie tickets and spa treatments
  • Local and worldwide travel, leisure, dinning, and shopping offers
  • Platinum Assist - 7/24 assistance service

Annual Interest Rate and Fees

Annual Interest Rate36.07%
Principle Annual FeeHK$2,200
Supplementary Annual FeeN/A
Fee WaiverN/A
Minimum Monthly RepaymentThe highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit.
Interest Free PeriodN.A.

Minimum Income Requirements

Local ResidentHK$300,000
ForeignerHK$0

Other

Card AssociationAmerican Express
Wireless PaymentAmex Pay

HK$400 Voucher!

The Platinum Card

$1,000,000

Min. Annual Salary

N.A.

Cash back on local spend

$7.5 = 1 Mile

Miles Conversion (local spend)

MoneySmart Exclusive: HK$400 Supermarket Voucher!Valid till 30 Aug 2019.
  • American Express welcome offer - Up to 480,000 Membership Rewards Points (which equivalent to 32,000 air miles)
MoneySmart Exclusive: HK$400 Supermarket Voucher!Valid till 30 Aug 2019.

Key Features

  • Enjoy over 1,200 lounges access over the world and exclusive access to the Centurion Lounges
  • Earn 3 Membership Rewards point for every HK$1 oversea spending(HK$5 = 1 Mile)
  • With Turbo program, earn 2 Membership Rewards point for every HK$1 local spending ((HK$7.5 = 1 Mile)

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$7,800
Supplementary Annual Feecomplimentary 2 supplementary cards
Fee WaiverNo
Minimum Monthly RepaymentN/A
Interest Free Period

Minimum Income Requirements

Local ResidentHK$1,000,000
ForeignerHK$1,000,000

Other

Card AssociationAmerican Express
Wireless PaymentN/A

HK$350 Voucher

Blue Cash℠ Credit Card from American Express

$150,000

Min. Annual Salary

1.2%

Cash back on local spend

N.A.

Miles Conversion (local spend)

MoneySmart Exclusive: HK$350 Voucher!Valid till 31 Aug 2019.
  • American Express welcome offer - HK$500 Cashback + 2 movie tickets
MoneySmart Exclusive: HK$350 Voucher!Valid till 31 Aug 2019.

Key Features

  • Enjoy 1.2% Cashback on everyday purchases, in town and overseas

Annual Interest Rate and Fees

Annual Interest Rate37.68%
Principle Annual FeeHK$980
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentThe highest of the following three amounts: (i) 1.5% of outstanding principal plus 100% of Finance Charges, interest, fees (including annual membership fee) and all other applicable charges; or (ii) 4% of your outstanding balance; or (iii) HK$220, plus any overdue minimum payments and any amount exceeding your credit limit.
Interest Free Period

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$150,000

Other

Card AssociationAmerican Express
Wireless PaymentAmex Pay
Show more cards

Best Credit Cards in Hong Kong 2019

Credit CardMinimum SalaryType of Reward
Standard Chartered Asia Miles MastercardHK$96,000Air Miles
Citi Rewards Visa CardHK$150,000Reward Points
HSBC Visa Signature CardHK$360,000Reward points
WeWa UnionPay CardHK$0Cash Rebate
Standard Chartered Simply Cash Visa CardHK$96,000Cash Rebate

Choose Credit Cards Based on your Spending Habits

Pick credit cards with different spending categories based on your habits to earn the most rewards. For reward point credit cards, you can redeem cash rebates, air miles, coupons, and other gifts, giving you higher flexibility. Air miles credit cards are suitable for frequent flyers who would take the effort to research on collecting miles. Cashback credit cards are suitable for those who don’t spend a lot and want to get rebates directly

Air Miles

Miles Credit Cards

  1. Standard Chartered Asia Miles Mastercard: HK$4/mile for dining and online spending
  2. Citi PremierMiles Card: HK$3/mile for foreign currency transactions

Cashback

Cashback Credit Cards

  1. Standard Chartered Simply Cash Visa Card:: 2% rebates on foreign currency transactions
  2. Citi Cash Back Visa Card: 2% rebates on global dining and hotel spending

Reward Points

Reward Points Credit Cards

  1. Citi Rewards Card: 5x points all-year-round at supermarkets, department stores, and telecom providers
  2. HSBC Visa Signature Card: Up to 14x “RewardCash” for selected categories

What Are the Easiest Credit Cards to Get Approved for?

Low Income Requirement Credit Cards

Many credit cards specify a low minimum income and some cards such as EarnMORE UnionPay Card and WeWa UnionPay Card do not specify a minimum income, which is ideal for housewives/ freelancers or tertiary school students to apply. Submitting your proof of asset increases your chances of getting approved, but you may still get approved without it.

No Annual Fee Credit Cards

A credit card with no annual fee helps cardholders save on card costs and maximise the rewards cardholders earn. Cardholders can enjoy no fees for life or within the promotional period depending on the type of cards you apply.

Choose Credit Cards Based on your Spending Habits

Pick credit cards with different spending categories based on your habits to earn the most rewards. For reward point credit cards, you can redeem cash rebates, air miles, coupons, and other gifts, giving you higher flexibility. Air miles credit cards are suitable for frequent flyers who would take the effort to research on collecting miles. Cashback credit cards are suitable for those who don’t spend a lot and want to get rebates directly.

Which Credit Card is the Best in Hong Kong?

Out of all credit cards, which one is the best? Unfortunately, there’s no single best credit card for everyone in Hong Kong. You’ll have to choose a credit card that best fits your lifestyle needs and wants. Here’s how:

Find a card that fits your spending habits

Think about your current lifestyle and spending habits. What are the things you spend the most money on? For example, if you’re a real foodie and love checking out new restaurants around town, it makes sense to get a card with rewards points for dining and useful perks like 1-for-1 buffet promotions.

Plan how to use your credit card benefits

Credit cards come with a whole bunch of benefits, so think about which benefits you actually want to use. You can plan your spending to earn maximum benefits from your credit cards, such as instant cash rebates and air miles.

Read credit card reviews and compare

Now that you’ve got a shortlist of credit cards, it’s time to dig deeper into the details of the rewards or air miles programmes. Compare terms and conditions like expiry dates, exclusions, minimum spend, credit limit, and so on to make sure that you get the best card.

5 Most Common Credit Cards in Hong Kong

Hong Kong credit cards are from 5 major card issuers. Visa and Mastercard take up most of the market, followed by American Express, UnionPay, and JCB. Visa and Mastercard are card issuers with a long history and are accepted everywhere in the world. On the other hand, American Express can be used in 130+ countries.

UnionPay credit cards are great for spending in China. Many Hong Kong banks have launched UnionPay dual-currency credit cards, such as HSBC UnionPay Dual Currency Credit Card and Standard Chartered UnionPay Dual Currency Platinum Credit Card to benefit frequent travelers to mainland China.

JCB credit cards are perfect for those who travel often to Japan because they offer many discounts on spending in Japan. Currently, only BEA and AEON have launched JCB credit cards in Hong Kong.

Frequently Asked Questions

Can I use my credit card in Hong Kong?

Visa and Mastercard can be accepted worldwide but cardholders need to be aware that foreign transactions fee apply. If cardholders wish to pay in his/ her preferred currency other than the local currency, Dynamic currency conversion (DCC) will be charged in addition to the foreign transaction fee.

Which credit card is best for Asia Miles?

You can consider applying for American Express Cathay Pacific Elite Credit Card, Standard Chartered Asia Miles Mastercard and BEA Flyer World Mastercard to collect Asia Miles.

Can I pay taxi in Hong Kong with credit card?

Generally speaking, no. Taxi fare needs to be settled by cash in Hong Kong.

Which credit card has the best foreign exchange rate?

It varies from providers to providers. It is best to check on the card issuer’s website for the exact foreign exchange rate on the day of the transaction. To make your money go further, you should also consider other factors like transaction fees, earning ratio, etc. when choosing which card to use overseas.

Which credit card has no foreign exchange fee?

Most UnionPay Cards do not charge a foreign exchange fee. But it doesn’t mean that it’s best to use UnionPay Cards for foreign transactions. To make your hard-earned money go further, other factors like transaction fees, earning ratio, etc. should also be taken into consideration.