You should have a UnionPay card. At present, UnionPay cards can be used in overseas 130 countries and regions, including Russia.

UnionPay cards do not charge fees in consumption abroad, but can directly repay foreign currency consumption in RMB in China.

What others say, whether it's visa or mastercard, will charge you: 1, the handling fee. 2, foreign exchange conversion fee, because their clearing currency is US dollars, so they convert a foreign currency into US dollars, and then from US dollars to RMB, so there will be an extra fee.

I suggest you go to your bank, preferably the bank where your parents' salary card is located, so that your parents' salary card can be used as an automatic repayment account when you repay, which saves the trouble of running to the bank for repayment.

In addition, considering the current conflict between visa and UnionPay, I suggest that it is more feasible for you to set up UnionPay+MasterCard.

Note: Domestic credit cards basically have the UnionPay logo.