The Bank of Communications credit card has a chip.

All new Bank of Communications UnionPay credit card users can directly apply for a chip card. If the cardholder's original magnetic stripe credit expires, the card is reported lost and replaced, or the card is damaged and remade, it will be directly replaced by a chip card. The fees for the chip credit card will be the same as the original magnetic stripe credit card.

Bank of Communications chip card tries to cooperate with more third-party applications. Taking the Chengdu Credit Card issued by Bank of Communications in Chengdu as an example, the "top-up" function of the electronic cash account of the chip card is used to realize offline payment and integrated into the local Tianfutong bus industry application.