Theoretically, credit cards are used in a wider range of applications than debit cards. At present, as long as there is UnionPay on the card, it can generally be used in Hong Kong. It is recommended to use a credit card.

It should be looked at when repaying. If your credit card can directly pay Hong Kong dollars, then the exchange rate when you repay will be calculated. But if your card cannot directly pay Hong Kong dollars, then the exchange rate will be calculated based on The exchange rate is calculated on the day you swipe the card.

If it is helpful to you, please adopt it, thank you.