Before answering this question, let us learn about the EMV standard of chip cards. EMV is the chip card standard from EMVCo (International Chip Card Standardization Organization). It was founded by Europay, MasterCard and Visa. Europay was later acquired by MasterCard. In fact, the EMV standard is the world's actual financial IC card standard jointly established by the world's two largest card organizations. EMV standard cards are all VISA or MasterCard single logo credit cards. \x0d\\x0d\And what about global payment credit cards? There are currently two versions, one is a dual-label magnetic stripe card (UnionPay visa, UnionPay master), and the other is a China UnionPay single-label IC credit card (this is a PBOC chip, PBOC actually refers to The People's Bank of China (Chinese People's Bank of China) Bank), so this standard was issued by the Central Bank of China - in fact, this is an example of technology introduction turned into independent research and development - most of the underlying technical details of the standard are basically a copy of the EMV standard. Therefore, PBOC was developed by the Central Bank and UnionPay. Naturally, it is closely attached, so the IC chip cards issued in China basically use the PBOC standard) \x0d\\x0d\ The above explanation should be detailed enough, right? Then you can choose which credit card to apply for according to your own needs. From a personal point of view, I would choose a PBOC chip card for domestic transactions and an EMV card for overseas transactions. Both cards have the function of automatically purchasing foreign exchange, so you don’t have to worry too much about this.