China Bank Taobao Campus Card is a UnionPay RMB card that meets international standards, that is, a credit card, but it does not have overdraft function. Taobao Campus Card has the core functions and services of China Bank's bank card, including global UnionPay online merchant consumption, ATM deposit and withdrawal and transfer inquiry, online banking services, optional confidential consumption, transaction SMS notification, zero-risk loss reporting, large transaction confirmation and preferential merchants. China Bank Taobao Campus Card is a zero-limit credit card for college students based on credit cards. It has all the functions of a credit card except overdraft. Because college students have no income, they are unlikely to apply for a credit card with a limited amount, even if they can apply for a credit card with a low amount.

Therefore, the Taobao Campus Card of China Bank can only be used after deposit, but unlike debit cards, debit cards are generally issued by local banks and can only be used in the provinces and cities where the cards belong, with inter-provincial charges. But this card is a credit card, and the charging standard is the same all over the country. There is no charge for domestic bank deposits.