Which bank is the best to apply for a dual-currency credit card?

Currently, most commercial banks can apply for dual-currency credit cards. Generally speaking, it is recommended that you apply for dual-currency credit cards at banks such as China Construction Bank, Bank of Communications, Agricultural Bank of China, China Everbright Bank, etc. These banks have relatively low thresholds, and the procedures are relatively simple, so you can quickly apply for a credit card.

To apply for a dual-currency credit card, you need to present the applicant’s ID card, proof of salary and income, and proof of stable residence.

What does dual-currency credit card mean?

Dual-currency credit card refers to a type of credit card issued by many domestic banks that has two currency settlement accounts, namely RMB and foreign currency accounts, and has UnionPay and Another bank card with the logo of an international bank card organization. In China, dual-currency cards usually use RMB as the settlement currency through the UnionPay settlement network. Overseas, you can use the settlement network of the international bank card organization designated by the dual-currency card logo to make payments in foreign currencies.

At present, dual-currency credit cards mainly provide convenience for overseas consumption and are of little significance to domestic residents unless they go to duty-free shops.