The joint card of housing provident fund is a valid certificate issued to employees who have paid housing provident fund. The Housing Provident Fund Management Center requires all deposit units not to refuse to apply for a joint housing provident fund card for their employees for any reason.

Employees can query the personal housing provident fund account information in real time, and at the same time, they can supervise whether the unit pays the housing provident fund for themselves on time and in full, and can also query the balance of the housing provident fund. In addition, co-branded cards can also handle various banking services such as deposit, withdrawal, payroll, transfer and remittance, credit card consumption, etc.