No. There are generally single-currency credit cards and dual-currency credit cards in the Chinese market. The Hua Xia Bank Panda Football Gold Card is a RMB single-currency credit card. It is not a dual-currency card and can only be settled in the UnionPay system. Gold card owners also need to pay an annual fee of 200 yuan. fee. Dual currency card refers to a bank card issued by many domestic banks that has two currency settlement accounts, namely RMB and foreign currency accounts, and has the logo of UnionPay and another international bank card organization.