Dubai Stu - I live and work primarliy in Hong Kong but I was born in New York. I have both Hong Kong and U.S. based credit cards. Actually, one of my Amex cards is Chip and signature while my other cards have the "blink" feature where you just tap it. Some merchants offer the tap feature but others don't. I'll look into Apple Pay once more info comes out. I'll consider it. Afterall, I don't like a bulky wallet and there's a saying that cash is still king.