Ping An JD.COM White Card is a credit card jointly launched by Ping An Bank and JD.com. Essentially, it is a credit card product, but it has its own characteristics compared with ordinary co-branded cards. Only specially invited IOUs users can apply, and they can only apply at the client of Jingdong Finance or JD.COM.

At present, the application authority of white card is only open to some customers. After the customer applies to Jingdong Finance or JD.COM client, Ping An Bank will make a second examination and approval for the customer according to the information filled in by the customer, and decide whether to issue credit cards and credit lines. After receiving the card, the new user needs to log in offline and activate. Through some user tests, it is found that the white card of Ping An Bank shares the quota with other credit cards. It remains to be seen whether the account will be independent in the future.

Generally speaking, Ping An JD.COM White Card is a kind of credit card, but it is still different from ordinary credit cards. After all, it will leave some shadow of JD.COM. Consumers applying for white-striped credit cards need to go through the double examination of JD.com and Ping An Bank, so not everyone can use white-striped credit cards.