UnionPay credit cards include Bank of Communications, Shanghai Pudong Development Bank, Minsheng Bank, Ping An Bank, China Guangfa Bank, Huaxia Bank, China CITIC Bank, China Merchants Bank, China Bank, China Everbright Bank, Agricultural Bank, Industrial and Commercial Bank, Citibank, Industrial Bank and China Construction Bank. In addition, there are some credit cards issued by municipal banks. Credit cards launched by banks can be divided into specific credit cards such as gold cards and silver cards, with different limits. According to the purpose, it can be divided into tourism, going abroad and refueling. And credit cards with specific practical purposes.
First, the definition of UnionPay card silver
Co-branded cards refer to bank cards that meet the requirements of unified business norms and technical standards and are printed with the words "UnionPay" at designated locations. Card numbers begin with "62". According to the relevant person in charge of the People's Bank of China, bank cards with the "UnionPay" logo must conform to the unified business norms and technical standards stipulated by the People's Bank of China and be approved by the People's Bank of China.
Second, the purpose of launching the "UnionPay" logo
Provide a unified identification mark for all kinds of ATM and POS terminals to accept bank cards issued by commercial banks, so that bank cards issued by different banks can be used in ATM and POS terminals with the "UnionPay" logo, and provide consumers with convenient, fast and safe financial services.
Third, the characteristics of UnionPay cards
1. The red, blue and green "UnionPay" logo is printed on the lower right of the front of the card. Second, there is a holographic laser pattern above the "UnionPay" logo on the credit card. Third, the signature strip on the back of the credit card is printed with the words "UnionPay" in color, and the handwriting written on it cannot be smeared. June 65438+1October 65438+1October, 2005, UnionPay changed its logo, with the red, blue and green bank cards arranged in parallel as the background, which set off the white "UnionPay" English and "UnionPay" Chinese styles. Compared with the old logo, the new logo of UnionPay mainly added the English word "unionpay", and fine-tuned the area and inclination of the three-color block.
Fourth, meaning.
UnionPay card conforms to China's unified business norms and technical standards, and is a high-quality, international national brand bank card with independent intellectual property rights. Issuing UnionPay standard cards is of great significance:
(1) The issuance of UnionPay standard cards conforms to the spirit of nine ministries' Opinions on Promoting the Development of Bank Card Industry (Yinfa [2005] 103) and the Guiding Opinions of the People's Bank of China on Standardizing and Promoting the Development of Bank Card Acceptance Market (Yinfa [2005] 153) and other related documents, which is in line with the 11th Five-Year Plan.
(2) Issuing UnionPay standard cards and building a national bank card brand will help safeguard the national financial information security, safeguard the right to speak of domestic member institutions in the development of China's bank card industry, master the independent power to formulate standards and norms in the process of industrial development, and safeguard the long-term interests of domestic member institutions and the interests of cardholders.
(3) Issuing UnionPay standard cards and building national bank card brands are the premise and foundation for domestic member institutions to build their own brands, which is conducive to enhancing the cohesion of domestic bank card industry, enhancing industrial strength, and jointly coping with the competition and challenges of overseas institutions after the transition period of WTO.
(4) The issuance of UnionPay standard cards can not only ensure universal use in China, but also achieve universal use with the internationalization of RMB bank card network. At the same time, compared with other brands of bank cards, it will also reduce the trouble of currency exchange because of the direct use of RMB for settlement, and at the same time make cardholders reduce the currency exchange loss of credit card transaction amount by about 1%.