The Bank of Communications Y-POWER card must be applied for by university graduates, and cannot be applied for without a graduation certificate; the CCB student card is more difficult to apply for, and the limit is also low, which may not be enough to pay overseas online payments. Others, such as the CITIC I College Student Card, are RMB cards and do not support overseas online payment.

It is recommended that China Merchants Bank YOUNG college student credit card definitely supports overseas online payment, standard dual-currency VISA or MASTERCARD card. Once done, just activate the online payment function. I have done this many times, including registering for overseas schools and paying handling fees at the embassy, ??etc. If the YOUNG card is approved, it will generally cost 3,000 for undergraduates, 5,000 for masters, and 8,000 for doctoral students. It is relatively difficult to get college student cards from ICBC and China Construction Bank, and the credit limit is also lower, starting at 200.

To apply, you can go to a CMB branch to fill in the form directly, or you can download the WORD form from the CMB YOUNG official website, fill it out and mail it with the information to the card center: /young/home.html

If If you have spare money on hand, you can also apply for a dual-currency national debit card and save enough money. For example, if you deposit RMB 50,000 in China Merchants Bank, you can apply for an all-in-one card or gold card (including VISA or M), which also supports overseas online payment.