The single-currency card is a RMB card, which can be swiped at domestic and overseas UnionPay POS machines or ATM for withdrawal, but it cannot be swiped at overseas merchants of VISA or MASTERCARD.

The dual-currency card is RMB/USD RMB /HKD. Dual-currency cards can be settled in RMB at home, in US dollars abroad, and in Hong Kong and overseas VISA or MASTERCARD merchants.

JCB is of course RMB and Japanese yen. Compared with UnionPay single-currency credit card, the biggest difference between VISA dual-currency credit card and UnionPay single-currency credit card is that the former is dual-channel, and it has two payment channels: if you take the VISA channel abroad, you can collect it in US dollars, and you can return RMB or US dollars after returning home; UnionPay single-currency credit cards can only be traded through UnionPay channel, and all transactions can be automatically converted into RMB for bookkeeping and returned to RMB.