Dual-currency cards refer to credit cards with both RMB accounts and foreign currency accounts, namely RMB and USD. All-currency card is the universal currency. Dual-currency credit cards are settled in RMB when swiping in China, and will automatically enter the foreign currency settlement system when swiping abroad.

All-currency card, it is barrier-free to swipe abroad. The main function of all currencies is to exempt currency conversion fees and handle the transaction needs of all currencies. No matter where you spend money, you can repay it directly in RMB after returning home, eliminating the formalities of purchasing foreign exchange. In addition, banks' all-currency international cards generally give high travel accident insurance;

The disadvantage of the all-currency card is that the single-label card (visa card) cannot use the UnionPay line, which means that this card cannot be used in China and can only be used for Haitao; Dual-currency cards are generally dual-label cards, which can be used normally in China.