A set of cards. In this case, the application is a set of cards. Although two credit cards are given, the card organizations are different, usually 1 UnionPay credit card, a VISA card or MasterCard. Banks do this to make it easier for people to use their cards. Since the cancellation of multi-currency credit cards, many people have to apply for VISA or MasterCard separately if they have overseas needs. You don't have to bother to apply for a set of cards. You can get cards from two different organizations in one application. UnionPay cards can be used for domestic consumption, and foreign currency cards can be used for foreign consumption. Different institutions have different rights and interests in using cards.