In the past, UnionPay had insufficient capacity, so there would be a dual-currency card (only UnionPay+foreign currency).

At present, it is basically a set of cards (UnionPay, foreign currency).

Generally speaking:

UnionPay logo credit card is settled in RMB account, and the annual fee is free in the first year of card opening (very few VIP platinum card activities are free in the first year), and the annual fee is free for spending n times in the next year.

Credit cards recognized in foreign currencies are settled in US dollar accounts (the amount of US dollar accounts changes periodically according to the RMB exchange rate). In order to seize the number of domestic users, most overseas card issuers basically waive the annual fee during the validity period of credit cards.

You can check the credit card details on the credit card application page of the relevant bank. It is recommended to call credit card customer service and choose manual customer service consultation to confirm. Everything is subject to the reply of the credit card manual customer service.