percy: my UnionPay credit card (not debit card) can pay by phone. I did that with China Southern Airlines.

The UnionPay portal can handle some online payments. It even has the ability to distinguish credit vs debit. They have different fee structure in China.

For getting cash, now I have this Schwab card which gives me the unbeatable Visa rates (UnionPay rates suck...) and much increased acceptance coverage. It charges no FTF and even rebates the ATM fees. The bad part is that I have to constantly moving some of my money in China to Schwab. My UnionPay debit cards charge no FTF, but don't rebate the ATM fees. Last time I compared in Korea, the UnionPay rates are 0.5% higher than Visa.

If you have a Citigold debit card issued in HK, can't you get the similar benefits like what I get from Schwab??? I thought banks in HK also like pampering big clients.