China Merchants Bank's all-currency gold card is VIS dollar single-currency card, which does not support UnionPay. Generally speaking, you can't use a credit card in China (but you can borrow cash in advance at the counter of China Merchants Bank outlets). This card is of little use to people who don't leave the country.

China Merchants Bank's all-currency international credit card (also known as all-currency card) is a signed all-currency international credit card jointly launched by China Merchants Bank and VISA. The card supports VISA bank, and no matter what currency, the foreign exchange handling fee of 1.5% is exempted for consumption or withdrawal. All foreign currency transactions are automatically purchased in RMB and only need to be repaid in RMB. At the same time, the card has a high travel insurance gift.

China Merchants Bank's all-currency international credit card only issues VISA single-currency cards with only one card face, which is a personal card product issued by China Merchants Bank for overseas travel and online shopping. In order to provide more convenience for cardholder consumption abroad to swipe his card, reduce the customer's consumption abroad currency exchange fee, better enhance the customer experience, and strengthen the product positioning of China Merchants Bank's credit card as "the first choice in consumption abroad".