The difference between a dual-currency card and a visa card lies in the different issuers. Dual-currency cards are issued by domestic banks, and Visa cards are issued by Visa International Credit Card Organization. Dual-currency credit card is a credit card with UnionPay logo, which can be paid through UnionPay channel. Credit cards with other card organization logos can be paid through other card organizations. Usually it corresponds to RMB+foreign currency account. Common dual-currency credit cards include UnionPay +Visa, UnionPay+MasterCard and UnionPay +JCB. Therefore, the domestic visa card is a dual-currency card, namely UnionPay +Visa dual-currency card.

1, different in nature: Multi-currency credit card is a multi-functional credit card product pioneered by China Industrial and Commercial Bank in the world. VISA card is a product specially launched by Oufei Digital Card for users who do not have an international credit card and need to shop online abroad and activate various online accounts. Multi-currency card.

2. Different usage: Multi-currency credit card is a credit card product that can use the currencies of many countries (supporting 65,438+00 foreign currencies) for direct consumption and payment. VISA card can travel 24 hours at more than 654,380,800,000 ATMs in more than 200 countries or regions around the world, and randomly withdraw local currency for travel expenses.

3. different institutions: VISA card international organization is a credit card organization composed of members of international banks. It has no shares and belongs to a non-profit organization. A multi-currency card is not.

Extended data:

Precautions:

VISA card can be used in China, as long as the merchant has opened visa payment, it can be used. When using it in China, you need to find a POS machine that can take the VISA channel.

Since merchants need to collect RMB, VISA needs to convert it into US dollars within VISA and send a US dollar bill after receiving the RMB request.

After receiving the US dollar bill, the issuing bank of VISA card will convert it into RMB internally. So the final bill actually went through two exchange rate conversions.

There will be a time difference between the two conversions, which is usually completed on the trading day.

Because there are two exchange rate conversions, it is necessary to bear the losses of the two exchange rate conversions and pay a currency conversion fee of 1%-2%.