There is actually no big difference between a co-branded credit card and an ordinary credit card. Co-branded credit cards generally have the same functions as ordinary credit cards. A co-branded credit card means a credit card jointly launched by a bank and a merchant, allowing you to enjoy bank activities. , you can also enjoy activities promoted by merchants, which is a function that ordinary cards do not have. Ordinary credit cards are just credit cards issued by major banks. They have no special functions and are just suitable for daily consumption of credit cards. For example, Walmart card for transportation, Xiaomi co-branded card, etc. An ordinary credit card is a credit card independently issued by a bank, such as the standard credit cards of various banks, the classic platinum card of China Merchants Bank, etc.

1. Co-branded credit card refers to an agreement between the credit card and the product dealer, so that the cardholder can not only enjoy excellent financial services when making purchases, but also enjoy special preferential treatment from the manufacturer. It is also a bank card accessory product jointly issued by commercial banks and for-profit institutions. At present, the most common one is a co-branded debit card, which is a bank card with a co-branded nature developed on the basis of a debit card. The operation mode of a co-branded credit card is that the card-issuing bank jointly issues a card with profit-making institutions such as airlines, telecommunications companies, and shopping malls. Consumers who hold the card can enjoy a certain percentage of discounts provided by the merchants when spending at these institutions. Now many banks have developed co-branded credit cards with larger shopping malls in the city.

2. Co-branded credit cards can not only enjoy excellent financial services, but also enjoy special preferential treatment from manufacturers, such as the China Construction Bank Longka Auto Card. When purchasing car insurance, Dragon Card Auto Card holders can Enjoy a 5.5-30% discount, traffic accident insurance worth 1 million yuan, and gas discounts. But to enjoy these services, cardholders must pay an annual fee of 200 yuan each year, and the credit card is only for private car owners, and the car's displacement must reach 1.6 liters.

3. Credit cards stipulated in the relevant laws of our country ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc._1-2]_. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card.