1) You cannot use this card for online payments, it cannot be linked to China's Alipay or WeChat Pay

2) To reload this card, you will have to go to the physical branches and bring Ringgit to be converted to Chinese Yuan (CNY), not sure if this is the case if you have the CNY Current Account from Bank of China Malaysia

3) If you have the CNY Card and if you pay in CNY, there are no DCC fees or processing fees, its one to one