Some shop only accept cash btw, need some cash

exchange rate better than money charger
Use gx card to reload to grabpay to pay qr, this don't hav cashback
Or use gx card directly pay shop, this hav cashback

Credit card charge 2.5% more or less on forex.
Use debit card forex charge is lower.

Use credit card only for convenience (eg hotel deposit) or if >2% cashback/reward.

normally before I leave sg I'll go money changer and change my sg coins back to paper notes

still waiting for gxbank to announce what they're gonna do with the 1% come nov 1st...2 more weeks still no news

New magic number in 2025 (365 days instead of 366 days):

0.005*365/0.02 = 91.25 (down from 91.50 last year)

Happy New Year!

oh ya.... thank you thank you

China need change cash. Alipay can use n exhange rate quite ok. No peer to peer though. Better use weixin pay also. No money changer in China at leasr to my knowledge. Credit card not friendly there.

Most of the places don't accept Visa/Mastercard. They prefer Unionpay card / Unionpay QR / Alipay / WeChat Pay.

Do take note that many shops there don't accept Visa/Mastercard cards even if the shop has a card payment machine. Even if does, make sure the merchant charges you their local currency (CNY) rather than they convert to MYR for you.
If you let them convert to your home currency (MYR), the FX rates will become more expensive and not worth it.
Also, do double check if the merchant doesn't impose any additional service charge.

QR payments are widely accepted there. Do install Alipay app, and sign up for an account. As for the payment method, pair it with your GX Bank card. If you have Wise card, do pair it too as a backup.

If each transaction costs CNY 200 and above, Alipay will impose 3% service charge. To avoid that 3% charge, make sure the amount is CNY 199.99 or less. This also applies to WeChat Pay (Weixin Pay).

You can also insert your GX Bank card to any China ATMs to withdraw cash. The FX rates will follow Mastercard 0% rate.
As far as I know, China ATMs won't charge you additional fees unlike most countries that tend to impose additional charges due to an overseas issued card.
You can select Chinese or English language interface on the ATM there, so don't worry even if you can't read Chinese.

U need Alipay and/oe Weixin pay also for small small things and transportation. Just remember to do full verification before leaving for China.

What will be the passcode for ATM? my GX bank code?
Yes, enter the same 6 digits PIN of your GX Bank card.
On the China's ATM, you select the CNY amount you want to withdraw, once you got your cash, you'll see your GX Bank's balance has deducted in MYR. Pretty straightforward.
The withdrawal limit is the same as your GX Bank's transaction limit settings.
https://help.gxbank.my/Personal%2F%2Fcards/..._the_GX_Card%3F

Can direct use GX bank without pair pair with Alipay?
Technically you can.
But don't be surprised if you see many shops there (e.g. restaurants, convenient stores, boutique stores) don't even have a card payment machine.
And even if there is, they may only accept UnionPay cards but not Visa/Mastercard cards.
But of course, if you so happen to see a Visa and Mastercard logo sticker/labels around the cashier, then you can be rest assured. 

GX Bank card uses Mastercard payment network.
So, as long that merchant accepts Mastercard card payment, then it should work just like any other Mastercard cards you have from other banks.
If you see a card payment machine on the cashier, you can just try and use your GX Bank card and wave it onto the payment machine to see if the transaction went through.
It may feels like a hit-and-miss thing, so do manage your expectation.

If you have other overseas-travel-friendly debit cards such as Wise card or TnG Visa card, it's a great idea to also bring it along as a backup. Don't rely 100% on GX Bank card only.

Even if that shop accepts cash, they may not have small change if you pay in larger bills.
Yes, China really embraces cashless payments till that extent.