At present, credit cards and savings cards issued by domestic banks basically have UnionPay logo. As long as you have the UnionPay logo, you can swipe your card at POS machines with the UnionPay logo all over the world, or withdraw local currency from ATMs with the UnionPay logo, including Hong Kong.

At present, most merchants in Hong Kong who can spend by credit card, especially those in tourist destinations, can provide POS machines for spending by UnionPay cards. So as long as you have UnionPay standard bank cards (including savings cards and credit cards), you can spend money in Hong Kong. When swiping a card, the merchant directly swipes the amount of Hong Kong dollars, and the bank will automatically convert it into RMB according to the foreign exchange rate of the day and record it on your card. Moreover, there is no handling fee for POS consumption, so you can use it with confidence.

However, it would be better if you have a credit card with MasterCard or VISA logo, because some businesses do not provide UnionPay channels (of course, this is very rare in tourist areas). At this time, if you have an international credit card of MasterCard or Visa, it will basically pass.