1. The use area is different: UnionPay is a domestic universal card, and visa is a universal card in most parts of the world.

2. Different logos: UnionPay and visa have their own unique logos.

3. Different uses: UnionPay is more suitable for domestic use, and visa is more convenient if it is used abroad.

4. Scope of use: visa has a much wider scope of use than UnionPay.

5. The handling fee is different: in countries and regions where UnionPay is opened, the UnionPay channel is used to swipe the card, and there is no foreign currency exchange fee.