As long as the credit card is UnionPay, you can use the credit card to make purchases in Hong Kong, and it will be automatically converted into the corresponding RMB amount for repayment according to the exchange rate. No manual exchange is required.

Special Note

Exchange fees at local banks in Hong Kong and Macao generally require handling fees. The fees vary among banks, so please inquire first.

There are many exchange shops on the streets of Hong Kong and Macao, all of which are privately owned. They do not exchange according to bank exchange rates and do not charge handling fees. The exchange rates of each store vary greatly, so it is recommended to shop around. Although there is no handling fee, there is a risk of counterfeit currency, so be careful and be sure to count the amount when exchanging.