According to your description,
1. Yes, the official card has five free policies.
Free of annual fee for official card [free of annual fee within 3 years after processing, free of annual fee after spending 3 times a year by swiping the card]
No loss reporting fee [no loss reporting fee]
Free card replacement fee [free card replacement for damage]
Free local cash withdrawal fee [free local deposit and withdrawal]
Free SMS service fee [SMS service is free]
2。 Yes, it has all the functions of all standard cards.
3。 Yes, you need to show a company's employment certificate. The bank will give you this certificate and take it back to the company to prove that you work there.
4。 Not yet. Only online banking can be used to recharge Alipay account. The daily limit is 500 yuan.
I hope I can help you.