If you go shopping in Hong Kong, you can use UnionPay card, which is the most cost-effective. Any bank's credit card can be swiped, and there is no charge. There is no need to apply for a credit card alone because a person goes to Hong Kong.

I suggest you use the credit card you usually use for shopping. It doesn't matter. Generally, I usually buy more, and which bank has more credit card discounts, I will use that card directly, without worrying about the handling fee, and I can also buy gifts after the points. Very cost-effective.