China Merchants Full Currency Credit Card can be signed in Chinese, and you can spend in any foreign currency around the world with 0 currency exchange fees. Warm reminder: *This card has an automatic foreign exchange purchase function by default and cannot be canceled. Foreign currency consumption is repaid in RMB, which is not supported. Foreign currency repayments. *This card cannot be used on UnionPay lines or on machines not partnered with China Merchants Bank. If you need to make transactions through the above channels, it is recommended that you apply for other credit card products of China Merchants Bank. In China, UnionPay lines are basically used, and full-currency cards cannot be used on UnionPay lines.