1. Credit cards are a consumption habit, so they are not indispensable. Many Australians do not have credit cards. Credit cards are overdrafts, and there are also debit cards, which are like UnionPay in China. You can use as much as you have on the card. I don’t know if you need an overdraft when going abroad. If you need it, get one. If you don't, there's no point in having a credit card. In addition, in Australia, there is a banking product called debit visa (master) card. Major banks now use this card to open accounts. This card cannot be overdrafted, but the consumption channel with a credit card is the function of visa and master, online It can be used wherever a credit card is needed for consumption. Just don't overdraw.

2. Most credit cards require Australian resident status. But as far as I know, like HSBC, as long as you have a job, are over 18 years old, and are willing to deposit money in the bank as collateral, you can apply. Some banks in areas where Chinese people gather have Chinese staff who are willing to apply for credit cards for international students for the sake of performance, but they must have a job. What you are looking at online is the local debit visa, which does not charge an annual fee.

3 Australian credit cards have an annual fee, usually with an interest-free repayment period of 50 to 60 days. However, there is a handling fee for overseas use.

4. There are credit cards with low annual fees as a selling point. But I found that there are more or less fees charged elsewhere.

5. Points can be enjoyed, but some rewards are not excluded, and it is difficult to use them if you are an international student. But basically you can enjoy it.

6. Many banks in China can apply for dual-currency cards, such as those from China Construction Bank. There is no handling fee for swiping this card. I think it is better than the ones in Australia. I used to use the domestic China Construction Bank card, which was very easy to use. It wasn't until I took out a loan here and the bank gave me one that I started to use it locally. Mainly because it was not easy to repay the money in China.