If it is a single currency, it cannot be used. If it is a dual currency currency, it can be used. As long as it is used by an international organization, the local currency will be converted into US dollars and entered into the account;

If it is used by an international organization, the local currency will be converted into US dollars. If it is through the UnionPay channel, then the local currency will be directly converted into RMB and credited;

If it is through the channel of an international organization, as long as the consumption is not in the United States, an international settlement fee will be charged: MASTER: 1.1 %, VISA: 1% handling fee,

So you can use UnionPay. It is recommended to use UnionPay channels, because UnionPay does not charge handling fees. If it is the Agricultural Bank of China Hong Kong Travel Card, it is single-currency and can only be used with UnionPay. It can also be used as long as the local card-swiping POS machine has the UnionPay symbol. Since the credit card has an overdraft function, it is recommended that it be used by the cardholder himself. If it is used by others and the merchant discovers it, the merchant has the right to refuse to use it.