The actual function of theme cards is the same as that of standard cards, only relying on some cultural elements for publicity, such as the Olympic card of Bank of China and HelloKitty card of China Merchants Bank, to attract some groups to apply for cards with these cultural elements.
In addition to the functions of standard cards, co-branded cards are generally used by banks in cooperation with a certain shopping mall or company, and have the function of discounts or points in certain shopping malls, such as China Bank Taobao Card, Pudong Wangfujing Co-branded Card, China Bank Amway Card and China Bank Ctrip.com Co-branded Card.
That kind of card depends on your own needs. If there is no special need, just make a standard card.