VISA credit cards used abroad usually charge a handling fee, which is converted from the amount of local currency consumed to US dollars, and then converted from US dollars to RMB. It is recommended that you directly contact the issuing bank of the selected credit card to check and confirm the relevant procedures and fees, so as to be aware of them.

You don't need to pay the currency conversion fee of 1%-2% when you use UnionPay cards abroad or spend or withdraw money through UnionPay network. The local currency transaction amount will be directly converted into RMB according to the market exchange rate, and the card-issuing bank will immediately enter the cardholder's RMB account. Debit card ATM withdrawal, the handling fee is relatively low, there is no need to apply for a new card, and almost all bank cards with UnionPay logo that are used daily in China can be used in Hong Kong.