There is no handling fee for swiping UnionPay, and it is the most cost-effective to convert it into RMB deduction according to the bank's exchange rate at that time. If you use VISA to swipe your credit card, you have to change Hong Kong dollars into RMB, and there is an extra sum of money.

UnionPay has the highest cost performance ~ ~

If you want a credit card, Hang Seng offers more credit card discounts, as well as Standard Chartered. ICBC has some activities this year, and other credit cards have no advantage. It doesn't matter if you don't. It's good to have UnionPay. In Hong Kong, anyone who can basically brush VISA can brush UnionPay.