A dual-currency credit card is a credit card with two currency accounts. Domestic dual-currency credit cards are generally RMB and USD dual-currency cards. This kind of credit card is usually a double-label card of international card organizations such as UnionPay, VISA and MasterCard. When spending through UnionPay channel, it will be settled in RMB, and when spending through foreign currency cards, it will be settled in foreign currency. When repaying, a certain exchange fee will be paid according to the number of foreign currency exchanges.

In addition to the dual-currency credit card, there is also a full-currency card whose main function is to exempt the currency conversion fee and handle the transaction needs of all currencies. No matter where you spend money, you can repay it directly in RMB after returning home, and you can also avoid the formalities of purchasing foreign exchange. At present, it seems that all-currency cards do not support UnionPay channels, and they can only organize credit card consumption according to the international cards marked on the cards.