What's the difference between Ping An Standard Credit Card MasterCard and Ping An Standard Credit Card UnionPay Gold Card? Can you elaborate on it? Thank you~

The difference between Ping An Standard Credit Card MasterCard and Ping An Standard Credit Card UnionPay Gold Card;

1, different distribution objects:

Ping An Standard Credit Card MasterCard is a dual-standard dual-currency card, which is jointly issued by China UnionPay and MasterCard, including RMB and USD accounts.

Ping An Standard Credit Card UnionPay Gold Card UnionPay Gold Card is a single standard single currency card, issued by China UnionPay, with only RMB account.

2. Different ways of use:

Ping An Standard Credit Card MasterCard is used overseas through UnionPay client or MasterCard client.

Ping An standard credit card UnionPay Gold Card can be traded in merchants marked with UnionPay and ATM machines, and can enjoy various preferential activities launched by UnionPay organizations from time to time.

3. Different card issuers:

Ping An Standard Credit Card UnionPay Gold Card is issued by UnionPay, a card organization in China.

Ping An Standard Credit Card MasterCard Gold Card is issued by MasterCard, an American card organization.

Extended data:

When MasterCard swipes its card on MasterCard international routes, it will be settled in US dollars, and each transaction will be charged with an exchange fee of 65,438+0.5% of the transaction amount (if the consumer directly settles in US dollars, no exchange fee will be charged). After the bill is settled, you can open the function of purchasing foreign exchange and repay the dollar bill in RMB.

You can also swipe your card at the overseas UnionPay line and settle directly in RMB.

UnionPay cards can only be consumed through UnionPay channels and settled in RMB.

Tips:

1. Take the channel of China UnionPay: credit cards are settled in RMB at home and consumed abroad, subject to the exchange rate of the card organization at the time of merchant's request.

2. Take the channels of international card organizations (VISA, MasterCard, JCB): domestic settlement of credit cards and settlement of consumption abroad in US dollars shall be subject to the exchange rate of card organizations at the time of merchants' request; If the channel of international card organization is adopted, no currency conversion fee is charged for overseas US dollar transactions, and 0.5% of the transaction amount is charged for overseas non-US dollar transactions (euros and pounds) (the cross-border handling fee is 0.5% of the transaction amount).

References:

Baidu Encyclopedia-Ping An Bank Standard Card (UnionPay+MasterCard+Gold Card)?

References:

Ping An Bank-Introduction of Credit Card Types