Which UnionPay RSKhB card is the most profitable for traveling abroad?

The most profitable UnionPay Rosselkhozbank card for traveling abroad is the yuan card, especially if you top it up through a brokerage account. However, for maximum flexibility and savings, it's better to get two cards at once: a ruble card and a yuan card, as their issuance and maintenance are free.

Here are the key takeaways from our personal experience using the cards in Thailand, Indonesia, Vietnam, and Sri Lanka:

• For paying for purchases always use the yuan card. It beats the ruble card by about 2% due to the absence of double conversion.
• For cash withdrawals the situation is more complicated due to fees. The most profitable option is to withdraw from the yuan card topped up through a brokerage account, but you need to consider the timing of the operation. If you have a large turnover on the card (more than 30,000 rubles per month), RSKhB does not charge a withdrawal fee, making withdrawals more profitable.
• The ruble card is the simplest but less profitable option. Suitable for one-time trips with small expenses when you don't want to deal with conversion.
• Dollar and euro cards are not recommended—they are the least profitable due to triple conversion.

*Excluding ATM fee (usually 200-400 rupees).

You can learn all the details, nuances of topping up, and exact calculations in our reliable and honest guide in the article Choosing the right UnionPay card: rubles, yuan, dollars, or euros.

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