The credit card is legitimate.

Ant Treasure Credit Card is a co-branded credit card jointly launched by Alipay and a number of banking institutions. This credit card is processed on the Alipay App and has certain discounts and rights. After the user successfully opens the card, he or she can obtain Taobao shopping red envelopes and interest-free installment payments2.

In addition, Ant Treasure Credit Card also has convenient functions such as automatic repayment.