UnionPay Credit Cards
10 cards
UnionPay credit cards — no foreign transaction fee in mainland China and Macau, essential for cross-border trips.
HSBC Pulse 銀聯雙幣卡
HSBC
滙豐銀聯雙幣信用卡
HSBC
中銀 Go 銀聯白金卡
中銀
中銀 Go 銀聯鑽石卡
中銀
Citi Rewards 銀聯信用卡
Citi
AEON 銀聯信用卡 (Purple)
AEON
BEA 銀聯雙幣鑽石信用卡
東亞銀行
安信 EarnMORE 銀聯卡
安信
安信 EarnMORE 銀聯卡（學生）
安信
WeWa 銀聯鑽石卡
安信
Frequently asked questions
How is UnionPay different from other card networks?
UnionPay is an international card network with a global merchant footprint. Visa and Mastercard have the widest acceptance, UnionPay usually carries the lowest fees for spending in mainland China, American Express has fewer merchants but a wider range of perks, and JCB earns extra rebates in Japan.
How many UnionPay cards are there?
We list 10 UnionPay credit cards from major banks including HSBC, Standard Chartered, Citi, Hang Seng, DBS and BEA.
What foreign transaction fee do UnionPay cards charge?
It depends on the issuing bank, typically around 1.95%–2%. UnionPay cards have charged 1% since January 2025, which is still the lowest.
Who should get a UnionPay card?
It depends on how you spend: frequent travellers get the widest acceptance from Visa or Mastercard; UnionPay has low fees in mainland China; premium users get airport lounges and other perks with American Express; and JCB carries partner offers in Japan.