1. koi fish card is a limited-edition credit card with collectible value, which can increase the identity of the cardholder. Unionpay IC ordinary cards are relatively common, lacking personalized functions and unique design, and there are some particularly attractive benefits or benefits. So China Merchants Bank koi fish Card is good.

2. koi fish Card has a special design style, gorgeous appearance and certain collection and gift value. Unionpay IC Card has no outstanding privileges and concessions, and it is not attractive enough for cardholders who pursue more privileges and concessions. So China Merchants Bank koi fish Card is good.