How to put it...it's not really a question of whether it's cost-effective or not. Only when you go to Hong Kong and Macao will you realize that it's actually a question of whether it's convenient or not. In the ATMs in Hong Kong and Macau, UnionPay's standards are very I rarely see them, but there are more VISA ones, and the cost-effectiveness is actually about the same. Also, I suggest you bring an ICBC card, because in my impression, I have only seen ICBC in Hong Kong and Macao, but not other Bank of Communications, Agricultural Bank of China... I have never seen it... .........

Hope this can help you.............