China Merchants Bank Xiaobai Card is a credit card. It is a joint credit card jointly launched by China Merchants Bank and JD Finance. It can be divided into unionpay gold card and visa royal seal card. Cardholders can enjoy the corresponding rights and interests of credit cards, especially the visa version of China Merchants Bank Xiaobai Card is unconditionally exempt from annual fees within the validity period.

In addition, the UnionPay version of China Merchants Bank Xiaobai Card is suitable for domestic overdraft consumption, and the visa version is suitable for overseas overdraft consumption. You can choose according to your actual needs when you apply for a card.