1. Advantages: Free of currency conversion fee. Multi-currency credit cards can be free of currency conversion fees and can handle transaction needs in all currencies.

2. Disadvantages: you can't use UnionPay channel to swipe your card, and multi-currency credit cards can't use UnionPay channel to swipe your card. The repayment channel is a bit urgent. The repayment channel of multi-currency credit card is a bit urgent, so you can choose to bind with UnionPay card of the same bank.