After obtaining a Hong Kong credit card, how can I avoid the 3% transaction fee limit on mainland China transactions exceeding 200 RMB? Many people have obtained Hong Kong credit cards from ZA Bank and HSBC and linked them to Alipay and WeChat for spending. However, because Hong Kong credit cards are international credit cards, a 3% transaction fee is charged on transactions exceeding 200 RMB in mainland China. This can accumulate and become quite costly over time. How can this problem be solved? Both WeChat and Alipay have Hong Kong versions. WeChat offers a fee-free credit limit of HKD 100,000 per year, while Alipay offers a minimum monthly limit of HKD 3,000, with the possibility of increasing the limit. This gives you at least HKD 136,000 in fee-free credit annually, which is generally sufficient to cover daily expenses. Both support local QR code payments and online payments on Taobao and Pinduoduo. The Hong Kong version of WeChat is the simplest. No separate app download is required. Simply open WeChat, go to your profile, click "Services," then switch your wallet region to Hong Kong in the upper right corner. Link your Hong Kong credit card, and you're done. Alipay requires downloading the AlipayHK app separately, registering, and linking a Hong Kong bank card. Alipay also allows for credit limit increases after KYC (Know Your Customer) verification. KYC can be completed in Hong Kong using a mainland Chinese identity, following the same process as when you applied for a Hong Kong bank card.

UnionPay QuickPass and Apple Pay both have unlimited transaction limits. Alipay in China also doesn't charge transaction fees.