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Comparison

2026年の中国:クレジットカード vs Alipay(支付宝)— Visaは使えるか?

外資系クレジットカードは国際ブランドのホテルや高級モールでは利用できますが、ほとんどのレストラン・タクシー・屋台では使えません。Alipayにカードを連携すれば、どこでも決済可能になります。

Comparison·Updated 2026-07-08
7axes compared
4FAQ answered
3related comparisons
71+comparisons live
12 langstranslated
2026rates verified

TL;DR verdict

Quick Answer

Foreign Credit Card vs Alipay: which should you pick?

For most travelers, Alipay is the safer pick — but the other side wins on the axes that matter most.

For most travelers, Alipay is the safer pick — but the other side wins on the axes that matter most for Alipay.

Side-by-side comparison

Foreign Credit CardAlipay VERDICT
Merchant acceptance約20% — 国際ホテル、ショッピングモール、ハイエンドレストラン。全加盟店の約92%。
Small vendors / street foodほぼ利用不可。事実上どこでも使える。
Foreign transaction feesカードにより0〜3%。Tour Card経由なら0%。
Setup for foreignersなし — 既存のカードを利用。Tour Cardの手順で2〜3分。
Hotels + flights国際チェーンおよびTrip.comで利用可能。主要チェーンとTrip.comでも利用可能。
Refund handling通常のチャージバック(請求取り消し)権。アプリ内での紛争処理。カードへの返金まで3〜10日。
Best for出発前の予約や海外のホテル。中国国内での日々の支払い。

Weighted score bars

Bar length reflects the per-axis evidence length; the winner of each axis is highlighted in terra-cotta.

Merchant acceptance

Alipay wins

Foreign Credit Card

Alipay

Small vendors / street food

Alipay wins

Foreign Credit Card

Alipay

Foreign transaction fees

Alipay wins

Foreign Credit Card

Alipay

Setup for foreigners

Foreign Credit Card wins

Foreign Credit Card

Alipay

Hotels + flights

tie

Foreign Credit Card

Alipay

Refund handling

tie

Foreign Credit Card

Alipay

Best for

Alipay wins

Foreign Credit Card

Alipay

Final score

62vs38

Based on 7 weighted axes. Alipay edges ahead by 3 of 7.

Pros

  • 中国での日常的な支払い
  • 小規模店舗や屋台での飲食
  • どこでも通用する決済手段を探している人

Cons

  • 出発前のホテル・フライト予約
  • 国際チェーンのホテル
  • 高級モールでのショッピング

Why travelers pick each side

Here's who each destination suits best — pick the side that matches your trip.

Choose Foreign Credit Card if you are

Foreign Credit Card

Top reasons to pick this side

  • 出発前のホテル・フライト予約
  • 国際チェーンのホテル
  • 高級モールでのショッピング

Choose Alipay if you are

Alipay

Top reasons to pick this side

  • 中国での日常的な支払い
  • 小規模店舗や屋台での飲食
  • どこでも通用する決済手段を探している人

The verdict

Foreign Credit Card is better for

  • 出発前のホテル・フライト予約
  • 国際チェーンのホテル
  • 高級モールでのショッピング

Alipay is better for

  • 中国での日常的な支払い
  • 小規模店舗や屋台での飲食
  • どこでも通用する決済手段を探している人

Frequently asked questions

中国の Visa/Mastercard は使えますか?
国際ホテル、高級モール、Trip.com では使えます。ただし、ほとんどのレストラン、タクシー、屋台では使えません。カードを Alipay にリンクすれば、すべての場所で使えるようになります。
クレジットカードを持っていくべきですか、それとも Alipay だけで十分ですか?
両方持っていきましょう。出発前のホテルや飛行機の予約、国際チェーンの支払いにはクレジットカードを直接使ってください。中国国内での日常の支払いには Alipay にリンクしておけば、同じカードでより幅広い場所で利用できます。
Alipay に海外取引手数料はかかりますか?
かかりません。Alipay の Tour Card に海外の Visa/Mastercard をリンクした場合、Alipay 側の手数料は追加されません。適用されるのは、カード会社の通常の為替レートのみです。
AmEx は中国で使えますか?
国際ホテルでは使えますが、Visa/Mastercard よりも対応店舗は限られています。AmEx を Alipay にリンクすれば使えるので、どこでも決済できるようになります。

12 related comparisons

Editor-curated, then same-category, then the rest of the catalog.

Alipay vs Cash (¥)

Cash is still accepted but increasingly inconvenient — many small vendors, taxis, and street stalls prefer or require Alipay. Carry ¥300–500 as backup; use Alipay for everything else.

Alipay vs WeChat Pay

Alipay wins for foreign travelers on setup speed, English UI, and broader merchant coverage. WeChat Pay wins for anyone already using WeChat for messaging, and for social payments like splitting bills with Chinese friends. Most experienced travelers install both — here is exactly when to use each.

WeChat Pay vs Cash (¥)

Cash works as a backup but WeChat Pay is preferred by younger vendors, taxis, and retail chains. Pair WeChat Pay with Alipay for full coverage; carry ¥300–500 cash for emergencies.

WeChat Pay vs Credit Card (Visa/MC)

WeChat Pay is accepted at ~85% of Chinese merchants — street food stalls, taxis, small shops, and rural vendors all display the green QR code. Physical credit cards (Visa, Mastercard) are accepted at international hotels, high-end restaurants, and major department stores — but are essentially useless for street food, local restaurants, and transport. For a smooth China trip, set up WeChat Pay or Alipay as your primary method and carry a credit card as backup for hotels.

Beijing vs Shanghai

Beijing for imperial history, the Great Wall, and hutong culture. Shanghai for skyline views, French Concession cafes, and xiaolongbao. Most first-timers do both — here is how to choose if you only have time for one.

Xi'an vs Luoyang

Xi'an for the Terracotta Army, the Ming city wall, and the Silk Road crossroads. Luoyang for the Longmen Grottoes, the White Horse Temple (Buddhism's first Chinese temple), and a quieter ancient capital. Both are essential China history; pick by interest.

Guilin vs Yangshuo

Guilin is the gateway city with the karst peaks and the cruise starting point. Yangshuo is the smaller, more scenic town downstream — the cruise ends there and most travelers prefer to stay. The right answer is usually: cruise one way, stay the other.

Hong Kong vs Shanghai

Hong Kong is a Special Administrative Region with its own visa regime, English-language default, and Cantonese culture. Shanghai is the mainland's most international city. Both are dense, food-obsessed, and Asian finance centers — but very different in feel.

Chengdu vs Chongqing

Chengdu for pandas, traditional Sichuan food, and the most relaxed major city in China. Chongqing for the dramatic hill-city skyline, Chongqing hotpot, and the Yangtze River setting. Both are essential for Sichuan food; choose by vibe.

High-Speed Rail (HSR) vs Domestic Flights

For trips under 1,000 km, HSR wins on price, reliability, and door-to-door time. For longer distances, fly.

China vs Japan

China wins on cost and scale. Japan wins on infrastructure, signage, and ease. Both reward a 7-10 day trip.

Trip.com vs Booking.com

For China trips, Trip.com wins decisively. For international extensions, Booking.com has more inventory.

Quick facts — Foreign Credit Card vs Alipay

Side-by-side reference for the 5 metrics travelers weigh most.

MetricForeign Credit CardAlipay
Axes compared7 axes · winner: Alipay
FAQ answered4 of the most-asked questions
Wikipedia reference
Categorypayment · 70+ comparisons live
Last verified2026 rates · editor-reviewed monthly

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