Hello Jacqueline
You will have a great time I came back from this tour on Tuesday... I did NOT do the add on to Fiji. I only took HKG and NZ dollars. Plenty of people were drawing cash out of local ATM with no problems or using credit cards. Some of the extra trips IE Helo or flight tours could be put on a credit card.
Not sure if your paperworkd states about extra tours in HKG, mine did not so ended up putting £ 138.00 on credit card. If there is anything else you need to know just ask me.. Be prepared for very long days early mornings, and sitting for hours on coach.. great fun times to be had, and stunning things to see. ENJOY.......
Cindy