In 2002, China Merchants Bank issued the first international standard dual-currency credit card, which was the pioneer of the credit card market in China. With credit cards, China Merchants Bank has created more than 100 kinds of new products and services, adhered to the mode of cross-industry cooperation, and successively cooperated with leading enterprises in different life fields such as department stores, tourism and sports consumption to provide cardholders with products and functional services in a dual sense. In September 2007, China Merchants Bank took the lead in putting forward the concept of "five-fold security" credit card service, which consolidated its leading brand position in the industry.

China Merchants Bank Credit Card has set up a 365-day, 24-hour customer service center covering the whole country. As early as April 2004, it was awarded the title of "Best Call Center in China in 2004" by the CRM Professional Committee of China Informatization Promotion Alliance, and it was the best call center in China in 2005, 2006 and 2008.