Whether you choose dual-standard or UnionPay credit card for Bai Qilin, it depends on where it is used. UnionPay is best for domestic use, and dual-standard is best for overseas use.

The Bai Qilin Credit Card is the platinum credit card of Bank of Communications. The annual fee for this card is 1,000 yuan. If a new user makes 3 purchases of 168 yuan within 45 days of applying for the card, the first-year annual fee can be waived. There is no exemption for old users, but they can use 250,000 points to offset the annual fee. USD$1=21 points. RMB￥1=1 point.

Bank of Communications is one of the six largest banks in China and one of the note-issuing banks in modern China.