Since you work abroad, apply for a local credit card. Otherwise, no matter how you calculate it, it is not cost-effective to use domestic cards to make purchases abroad, because they have to be converted based on US dollars, and you will eat the exchange rate difference on both sides. . If the HSBC card you want to apply for is applied at a branch in China, its use is no different from that of Bank of China. If it is applied for at a branch in Dubai, most stores and restaurants will not accept overseas credit cards after returning to China. It's inconvenient to use unless you go to high-end places.

So it is best for you to apply for a local card locally and use the card issued in China when you return to China. It is best to use them separately.