Characteristic cards are credit card products that add special functions or services on the basis of ordinary credit cards. Related to a specific theme, provide unique offers, gifts or special rights to meet the diversified needs of cardholders' daily consumption. Business lucky card is a credit card with the theme of "lucky luck", which means good luck and happiness. The use of auspicious patterns or elements, such as blessings and magpies, adds its unique artistic value and commemorative significance to the design. In addition to the traditional credit card functions, such as credit card consumption, installment payment, cash withdrawal and so on. Business Lucky Ruyi Card provides some special preferential activities, bonus points and exclusive rights. Enjoy discounts from specific merchants, participate in exclusive points redemption activities, or get specially customized gifts and services. The functions and permissions of different products of industrial and commercial lucky cards are different. To apply for and use this card, it is recommended to read the relevant official introduction, terms and conditions carefully to understand the specific Carter points and applicable rules.

In addition to industrial and commercial lucky cards, other banks will also launch similar characteristic credit card products. The Great Wall Travel Card of China Bank and Longteng Card of China Construction Bank have added special cards with specific themes and personalized services on the basis of ordinary credit cards.