Bank cards are divided into debit cards and credit cards

The former is a savings account, and deposits have interest. You must first deposit it before you can spend it at an ATM or POS, and it cannot exceed your deposit limit. The amount entered. Fees are generally divided into cost-based fees and annual fees. The cost-based fee is charged once when you apply for the card, and the annual fee is charged once a year, both of which cannot be waived. Online banking can be opened.

The latter is overdraft consumption. The bank determines your overdraft limit based on your income. You can spend it first and then pay it back. There are points for consumption and no interest for savings. You can withdraw existing handling fees and interest, so it is not recommended. To withdraw cash, it is recommended to use credit card for consumption. The annual fee depends on different banks. It is usually free in the first year. If you swipe the card a certain number of times, the annual fee for the following year will be waived. In other words, if you use it enough times every year, there will be no annual fee. Credit card purchases generally have certain discounts, depending on how many partners the bank has. You can often see in shopping malls that you can get XX discounts by swiping your credit card from XX bank. You can also open online banking with a credit card, but it depends on the bank. You have to ask each bank to know the details.

As far as I know, Bank of China has a credit card that also earns interest on deposits. You can get discounts when eating at Spicy Temptation. Please call them to find out more details

I hope they can help you.