UnionPay card is a payment tool, which can be a savings card or a credit card, depending on the situation of banks and consumers. A savings card is an account that can be used to pay for daily consumption, but not to buy goods or services; Credit cards can be used to buy goods or services or to pay for daily consumption. Therefore, UnionPay card can be a savings card or a credit card, but it depends on the situation of banks and consumers.