No, according to official website of China Merchants Bank, the pet theme card of China Merchants Bank is a kind of credit card, which is designed with the theme of cats. Cardholders can enjoy special rights and interests related to pets, exchange pet products or services, and get exclusive benefits such as pet medical care and foster care. Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. Consumers can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed amount.