UnionPay is the national bankcard association of China and one of the largest payment networks in the world. It connects millions of cardholders to merchants globally, offering debit, credit, and prepaid card services.

Where can UnionPay be used?

UnionPay cards are accepted in over 180 countries and regions, including Asia-Pacific, Europe, North America, and Oceania. Merchants and ATMs in places like Japan, Korea, Singapore, Australia, New Zealand, USA, UK, France, and Germany support UnionPay.

UnionPay cards function like other international cards. They can be used for:

In-store purchases (swipe, chip, or contactless)Online shopping (if the card is eCommerce-enabled)ATM withdrawals worldwideMobile payments via UnionPay’s QR code and digital wallet solutions

What are the benefits of UnionPay?

Global acceptance across millions of merchants and ATMs.Secure transactions with advanced encryption and fraud monitoring.Alternative to Western networks (Visa/Mastercard), especially for Chinese travelers abroad.Extra services like tax refund support, installment payments, and loyalty rewards.

UnionPay 银联 Credit Card

UnionPay Credit Card – Online Use Only

UnionPay Credit Card is a credit card offered in New Zealand by UnionPay, typically in partnership with a bank or financial institution. It functions like a standard credit card but may include specific perks, rewards, and financing options for New Zealand customers.

Key Features

Credit Facility: Allows purchases up to a pre‑approved credit limit, repayable in full or via installments.
UnionPay Network: Widely recognized payment network. In New Zealand, UnionPay cards can only be used for online purchases, not in physical stores.
Rewards & Benefits: Some cards offer reward points, cashback, purchase protection, travel insurance, or interest‑free periods.
Usage Restriction: Strictly for online purchases. In‑store transactions are not accepted.

Important Disclaimer: UnionPay does not guarantee any product or service purchased using the card. All claims, warranties, or representations are provided by the merchant. For terms and conditions, refer to your card issuer or the official UnionPay website.

UnionPay Frequently Asked Questions

Find answers to common questions about UnionPay

UnionPay is the national bankcard association of China and one of the largest payment networks in the world. It connects millions of cardholders to merchants globally, offering debit, credit, and prepaid card services.
UnionPay cards are accepted in over 180 countries and regions, including Asia-Pacific, Europe, North America, and Oceania. Merchants and ATMs in places like Japan, Korea, Singapore, Australia, New Zealand, USA, UK, France, and Germany support UnionPay.
- In-store purchases (swipe, chip, or contactless)
- Online shopping (if the card is eCommerce-enabled)
- ATM withdrawals worldwide
- Mobile payments via UnionPay’s QR code and digital wallet solutions
- Global acceptance across millions of merchants and ATMs.
- Secure transactions with advanced encryption and fraud monitoring.
- Alternative to Western networks (Visa/Mastercard), especially for Chinese travelers abroad.
- Extra services like tax refund support, installment payments, and loyalty rewards.