The main credit cards that can be swiped in Taiwan are VISA and MASTER cards, and American Express cards are also acceptable, but not all stores can swipe them. Generally, only large department stores or specific stores can swipe them.

If it is a Visa card or Master card, a currency conversion fee of about 1.5 will be charged in Taiwan; if it is a UnionPay card, there is no fee, but it does not support as many merchants as the former. Convert according to the UnionPay exchange rate of the day.

In Taiwan, it is smoother to swipe a VISA standard EMV card than a dual-label VISA card (because if you swipe it at a merchant that has not opened UnionPay, you will be directly told that you cannot swipe it. Although you may choose to swipe VISA, but you can see the UnionPay logo at the checkout. You will be reminded that you cannot use UnionPay foreign cards or simply tell you that you can only use Taiwanese cards)

When you use dual-label VISA and other cards in Taiwan, the cashier will ask you whether to use UnionPay or VISA (provided that the merchant supports UnionPay). Generally, it will. By default, using UnionPay is out of respect for you, not driven by profit. (Taiwan UnionPay uses the foreign card channel and the points are not low)

Because the banks that issue credit cards in Taiwan are not integrated, many small stores can only use the credit cards of their partner banks. For example, if the card swiping machine of a certain merchant is owned by China Construction Bank, it can only swipe cards issued by CCB, but not cards issued by other banks.

If you live in Taiwan for a long time, you can also choose to apply for a local credit card in Taiwan.