Using a UnionPay card in Bali — payment limits and tips
Based on 1 discussion with 3 participants · Last activity: 23 days ago
TL;DR
RSHB UnionPay cards are widely accepted in Bali, but payments over 1 million IDR may be declined — ask the cashier to split the transaction into two payments.
What the community said
The RSHB UnionPay card is accepted almost everywhere in Bali and offers a good exchange rate. However, transactions over 1 million IDR may be declined or unexpectedly prompt for a PIN. The fix: ask the cashier to split the amount into two payments — for example, 1.5 million IDR as two payments of 750,000 IDR each. This works in supermarkets and other shops.
23 days ago Limit: 1,000,000 IDR per transaction
UnionPay cards can be used for purchases in Bali, but the maximum per transaction is around $70. Linking the card to subscriptions or services is not recommended — it works best for direct point-of-sale payments only.
23 days ago Max per transaction: ~$70
The first RSHB UnionPay card is issued for free; additional cards cost around 4,500 RUB. Note that cash withdrawal fees on foreign currency cards are quite high — approximately 70 CNY per transaction.
23 days ago Card fee: free (first) / ~4,500 RUB for extras