UnionPay + mastercard means that this card is a dual-currency credit card, with two accounts in RMB and US dollars.

Dual-currency credit cards use UnionPay channels for domestic consumption payments and Mastercard channels for overseas consumption payments.

UnionPay + Mastercard dual-currency credit card is a credit card jointly issued by MasterCard International and UnionPay. When making purchases abroad, card holders do not need to exchange local currency to directly swipe their cards to make purchases. They directly convert the currency into U.S. dollars, record accounts in U.S. dollars, and settle in U.S. dollars. Card holders have to pay a 1.5% currency conversion fee.