Using a UnionPay card in Bali — payment limits and tips

In late June 2026 an RSHB UnionPay cardholder shared their experience: in Bali the card is accepted almost everywhere and the rate is good. But with a bill over 1 million IDR the payment was declined and the terminal unexpectedly asked for a PIN. In a supermarket with a similar amount it was declined again. The cashier then split the amount in half and the payment went through — roughly 1.5 million IDR paid as two transactions of 750,000 IDR. Their tip: if the bill is over 1 million IDR, ask for it to be split into two payments. This is one person's observation, not an official bank rule.

Another participant wrote in June 2026 that they used the card only for paying in shops, did not link it to anything, and that their maximum per transaction was 70 US dollars. Limits may differ between cardholders and banks, so check yours with your bank.

On card issuance, a participant wrote in June 2026 that the first rouble card is free and further cards are paid, at roughly 4,500 (roubles, per a Russian-speaking cardholder). Cash withdrawal fees on the foreign-currency cards are fairly high — around 70 CNY, for example. In July another holder said that paying by card costs almost nothing in fees (a few roubles on the whole amount) and works out better than any exchange office.