There is a big difference between single currency and dual currency credit cards just in their names.

Single-currency card refers to a credit card with a single settlement currency. In layman’s terms, it is the most common credit card with a single UnionPay logo;

Dual-currency card, as the name suggests, has two currencies. , generally refers to a credit card with both a RMB account and a foreign currency account. For example, the China Merchants Bank American Express Centurion Gold Card I have is a very standard dual-currency card with American Express and UnionPay logos.

However, it seems that starting from the end of 2016, Yangma said that it would cancel the dual currency card. So if you apply for a dual currency card now, the bank will issue two new cards, one is a UnionPay credit card starting with "62", and the other is a foreign currency credit card from an overseas card organization. It can also be said that it has become two single currency cards. For example, the American Express Michelin co-branded card is issued in the form of a card set. The American Express card surface and the UnionPay card surface have different designs.