Free Alipay and WeChat Transaction Fees in China

UnionPay Exclusives Why do I need to link my BDO UnionPay Credit Card to Alipay and WeChat when I travel to mainland China? For hassle-free cashless payments in mainland China, it is recommended to link your BDO UnionPay Credit Card to Alipay or WeChat, as most merchants in mainland China prefer mobile payment method. What BDO UnionPay Credit Cards can be linked to Alipay and WeChat? All BDO Gold and Diamond UnionPay Credit Cards can be linked to Alipay and WeChat. Is there a fee required in order to link my BDO UnionPay Credit Card? No, there is no fee to link your BDO UnionPay Credit Card to Alipay and WeChat. Shall I download and link my BDO UnionPay Credit Card before I go to mainland China or when I am in mainland China already? You must download the apps and link your BDO UnionPay Credit Card to Alipay and WeChat before your scheduled travel to mainland China. This ensures that your local mobile phone number, which is required for verification process, can receive SMS verification codes, if needed. Are there transaction fees when I use Alipay and WeChat for payments in mainland China? Yes, Alipay and WeChat charge a 3% transaction fee for payments over 200 RMB. However, as an exclusive offer, BDO UnionPay Credit Cardholders can enjoy waived transaction fees on Alipay and WeChat until December 31, 2026 . Are credit card fees also waived for BDO UnionPay Credit Cards? No, other credit cards fees may still apply. BDO UnionPay Credit Cards is subject to the Terms and Conditions Governing the Issuance and use of BDO Credit Cards.​ Can I use my BDO UnionPay Credit Card to cash-in to my Alipay or WeChat wallet? No. This service is currently not supported. You may only use your BDO UnionPay Credit Card linked to Alipay and/or WeChat for Scan to Pay and direct QR payments. For other information about using international credit cards on Alipay and WeChat in mainland China, you may visit the official Alipay and WeChat websites.