The dual-currency card has two accounts, one is a UnionPay account and the other is a Visa/Master-type USD account.

In China, generally the UnionPay channel is used, so there is no difference.

When using it abroad, you can ask to go through the UnionPay channel or the Visa/Master channel.

Go through the UnionPay channel and exchange it directly into foreign currency according to UnionPay’s exchange rate (the exchange rate of the day can be found on Baidu or Google “UnionPay Exchange Rate”), with no handling fee.

Go to the Visa/Master channel to exchange into local currency according to their exchange rate, but if the currency is not US dollars, a currency exchange fee of about 1.5 will be charged.

The differences are as follows:

1. The card numbers are different: UnionPay credit card numbers start with 62, and VISA credit card numbers start with .

2. Different logos: UnionPay credit cards have a higher UnionPay logo, while VISA cards have a VISA logo on the surface.

3. Different usage methods: As for the usage methods, there is basically no difference in China, but if you hold a VISA security card, such as the Great Wall International Card Bank used in China, it is still more troublesome. VISA has far greater coverage abroad than UnionPay, and the certification process is also very high, but UnionPay can also be used in many countries.

4. When using it abroad, you can request to go through the UnionPay channel or the Visa/Master channel. Go through the UnionPay channel and exchange it directly into foreign currency according to UnionPay's exchange rate (the exchange rate of the day can be found on Baidu or Google "UnionPay exchange rate") without any handling fees.

Extended information:

Credit Card, also called credit card. It is a non-cash transaction payment method.

A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip.

There is no need to pay cash when using a credit card, and repayment will be made on the billing date. ?

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards where the cardholder needs to have a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

Reference material: Baidu Wenku-Tips for using UnionPay cards abroad