1. Age conditions: Chinese mainland residents are required to be 18 to 65 years old and overseas residents are required to be 25 to 65 years old.

2. Working conditions: China Merchants Bank requires the cardholder to have a stable job and work unit, a fixed and not too low income and a relatively fixed residence.

3. Credit conditions: China Merchants Bank requires the applicant to have no bad credit record and a good credit status.

in addition, China merchants bank also stipulates that the cardholders of supplementary credit cards must be the immediate family members of the main cardholder (i.e. the parents, spouses and children of the cardholder) and be between 16 and 65 years old.