Both standard credit cards and in cards are popular credit card products of Minsheng Bank, which have a wide range of users. Specifically, the similarities and differences between standard credit cards and in cards are as follows:

Similarities

1. Revolving credit ahead of consumption and convenient financial management

Minsheng Credit Card will flexibly grant the credit line according to the credit status of the cardholder, and the cardholder can spend first and then repay within the credit line, enjoying interest-free for up to 51 days. During holidays and when customers go abroad, Minsheng will take the initiative to increase the temporary quota for customers, and actively increase the quota for customers who continue to use their cards in good condition.

2. Minsheng 1+1 Smart Repayment saves time and worry

Cardholders only need to apply for a Minsheng savings card (debit card) as our credit card automatic repayment account, and Minsheng will automatically transfer the money from the savings card account to the credit card account for current repayment on the last repayment day, so as to avoid the worry that cardholders have no time to repay in their busy work and life.

3. Customer service hotline listens to the needs of cardholders 24 hours a day

Minsheng Credit Card's 24-hour customer service hotline: * * *, which provides comprehensive and convenient services for cardholders anytime and anywhere.

4. Borrowing cash in advance can relieve the cardholder's emergency needs

Cardholders can use Minsheng Credit Card to easily withdraw cash from ATMs with UnionPay logo in China and VISA, MasterCard or UnionPay logo abroad to relieve the emergency needs.

5. Loss reporting by telephone can avoid the risk of theft in time

If the cardholder finds that Minsheng Credit Card is lost, please call Minsheng Credit Card Customer Service Hotline immediately to report the loss. After the loss report of credit card comes into effect, the credit card risks of non-cardholder transactions will be borne by Minsheng Bank, and Minsheng will reissue a new card for the cardholder as soon as possible at the request of the cardholder.

6. Real-time transaction reminder makes cardholders feel at ease

Minsheng Credit Card has set up a real-time transaction reminder function, so that cardholders can get real-time reminder service for all transactions, so as to keep abreast of changes in credit card accounts at any time

7. Merging points allows cardholders to exchange more surprises

Minsheng has launched a cooperative merchant point accumulation system, so that cardholders' spending points in many well-known partners of Minsheng can be accumulated together, so that you will have the opportunity to exchange more exquisite gifts or air miles.

differences

Minsheng in card is free of annual fee in the first year, and it is free of annual fee in the following year if you spend five times in the same year;

in addition, there is no handling fee for withdrawing cash from Minsheng in card. Of course, this discount is only for cardholders to withdraw cash through the counter and self-service equipment of Minsheng Bank.