But if my MC levies a FX surcharge for all transactions not in Euro, wouldn't it make sense to use a Unionpay card linked to a RMB bank account ?
FYI : the banking system in Europe is not free, like that in the US. We pay for the luxury of having a bank account, and pay for having a credit (delayed debit) card, if the bank is kind enough to issue us one. So hefty FX fees are normal.