Puis-je utiliser des cartes de crédit ou des espèces en Chine? La réponse 2026
Updated
— Un guide de voyage honnête par IntoTravelChina
Puis-je utiliser des cartes de crédit ou de l'argent en Chine? Oui, mais avec des limites importantes. J'ai guidé des voyageurs en Chine depuis 2015, et les méthodes de paiement ont changé plus que tout. En 2026, vous pouvez utiliser des cartes de crédit dans les hôtels et les grands magasins, et l'argent est maintenant protégé par la loi partout. Mais chaque méthode fonctionne mieux dans des situations spécifiques. Voilà la rupture.
Cartes de crédit: Fiable aux hôtels et grands magasins
Visa et Mastercard sont acceptés dans les hôtels internationaux, les grands centres commerciaux, les restaurants haut de gamme et les bureaux des compagnies aériennes. Les principales attractions touristiques cotées 4A et plus, ainsi que les hôtels trois étoiles et plus, sont maintenant tenus d'accepter les cartes internationales. Les systèmes métropolitains de Pékin et de Shanghai acceptent également les cartes Visa et Mastercard sans contact. Pour les dépôts d'hôtel, les réservations de vols et les gros achats, votre carte fonctionne bien.
Mais ne comptez pas sur les cartes pour les dépenses quotidiennes. Les petits restaurants, les marchés locaux, les stands de restauration et la plupart des taxis n'acceptent pas les cartes de crédit. Je me souviens d'un invité qui a essayé de payer un bol de nouilles dans un petit magasin à Xi'an avec sa carte Visa. Le propriétaire a ri et pointé son code QR WeChat. L'invité a dû trouver un distributeur pour retirer de l'argent. Cette scène joue des milliers de fois chaque jour à travers la Chine.
En espèces : Protection légale en 2026
Depuis le 1er février 2026, la loi chinoise exige que chaque magasin physique accepte l'argent liquide du RMB. C'est un changement majeur. Si un marchand refuse votre argent, il viole la réglementation nationale. Vous pouvez les signaler par la ligne 12345. J'ai testé ça dans un dépanneur à Pékin la semaine dernière. Le greffier a hésité, puis a accepté ma note du RMB. La réglementation est réelle et elle change de comportement.
Portez 200 à 500 RMB en petits billets. Break plus grandes notes dans les hôtels ou les supermarchés. L'argent liquide est la méthode de sauvegarde la plus fiable. Il fonctionne n'importe où, n'a pas besoin de technologie, et n'a pas de frais de transaction. Pour la nourriture de rue, les marchés locaux et les trajets en taxi, l'argent liquide est souvent votre seule option en plus du paiement mobile.
Madeline
Pourquoi les cartes Ne travaillez pas aux meilleures tables de Xi'an
Je marche les invités dans la vieille ville de Xi'an presque toutes les semaines, et ce moment de nouilles arrive tout le temps. Les endroits qui méritent d'être visités — les stands de restauration locaux, les restaurants familiaux, les marchés du matin — ne prennent tout simplement pas de cartes. Je dis à chaque première fois: porter 200 RMB en petites notes. Ça transforme un moment gênant en un bon repas.
Lorsque le paiement mobile gagne toujours
Les cartes de crédit et les espèces fonctionnent, mais le paiement mobile est toujours la méthode la plus pratique en Chine. Si vous voulez l'expérience la plus fluide, créez Alipay ou WeChat Pay en reliant votre carte de crédit internationale. Les transactions de moins de 200 RMB sont gratuites. Plus de 200 RMB, des frais de 3 pour cent s'appliquent. Pour la plupart des achats quotidiens - café, taxi, épicerie - le paiement mobile est instantané et universel.
La ligne de fond pour les voyageurs 2026
Pour résumer : Puis-je utiliser des cartes de crédit ou de l'argent en Chine ? Les cartes fonctionnent dans les hôtels, les centres commerciaux et les principales attractions. Cash travaille partout par la loi. Portez les deux et vous êtes couvert pour chaque situation. Si vous voulez l'expérience la plus facile, ajoutez une application de paiement mobile liée à votre carte. Trois méthodes, aucune contrainte.
Planifiez votre voyage avec confiance
Chez IntoTravel Chine, J'aide chaque invité à arriver prêt à payer. Nous fournissons des guides pratiques sur l'argent comptant, les cartes et les options de paiement mobile avant votre voyage. Chaque tour est privé, conçu sur mesure, et sans arrêt de shopping. Pas de raccourcis. Voyagez en douceur dès votre arrivée.
Voyage Chine Fondée en 2015. Visites privées personnalisées à travers la Chine. Pas de courses. Pas de raccourcis. Juste des expériences authentiques.
Shopping on Nanjing Road in Shanghai was just amazing! It's truly the "First Commercial Street of China", where tradition and modernity blend perfectly. You can find awesome souvenirs and experience the trendy vibes in cool stores. The neon lights at night are just spectacular, shining bright like Times Square in New York. The food here is incredible too. I had a feast for my taste buds. Shanghai, I'll definitely be back!
Destination(s):
Shanghai
Date of
Experience:
May 08,2024
Elvis Eva
Canada
Reviewed on June 20,2025
As a solo traveler from Canada, I was nervous about navigating China alone—but this 11-day tour was PERFECT! From hiking the Great Wall at sunrise (Day 3) to gasping at the Terracotta Army (Day 5), every day delivered ‘pinch-me’ moments. The real showstopper? Zhangjiajie’s Avatar Mountains (Day 7)! Our guide made the stone pillars come alive with stories.
Massive thanks for handling all logistics—bullet train tickets, entry passes, car! And the 4-star hotels surprised me.
Destination(s):
Beijing Xian Zhangjiajie Shanghai
Date of
Experience:
June 02,2025
Simon
America
Reviewed on May 29,2025
Our 2-day Zhangjiajie tour was beyond spectacular! As someone who’s visited Beijing and Shanghai for work, this trip revealed China’s wild, magical heart. Day 1 in Zhangjiajie National Forest Park felt like stepping onto Pandora—I’m a huge Avatar fan, and Yuanjiajie’s floating peaks left me breathless. The misty pillars and lush valleys like pure movie magic!
Then came Fenghuang Ancient Town, we eat dinner beside the thundering waterfall. It seems Unreal! The night views of stilt houses glowing over the river were straight from a fairy tale.
For fellow Avatar lovers and adventure seekers: Don’t miss this bucket-list experience! 10/10 would return.
A Well-Traveled Film Buff, May 2025
Destination(s):
Zhangjiajie
Date of
Experience:
May 08,2025
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