There is no annual fee. JD.COM Co-branded Card is a co-branded credit card jointly launched by JD Finance and local banks such as Nanjing Bank, hengfeng bank, China Merchants Bank, Shengjing Bank and Jinshang Bank. It's exactly the same as an ordinary credit card, and there is no charge. In addition to the basic bank card functions, you can also enjoy the related rights and interests of white bars after opening them. However, it is also an ordinary bank card. Online shopping can choose a small white card for payment, or it can be used in online stores.