For interest comparisons, I can provide some general information, but please note that specifics may vary by bank and region. When considering which lending option to use, please check directly with the institution for accurate information on interest rates and terms.

Ant Huabei and Jiebei are the lending products of Alibaba, while China Merchants Bank Credit Card is the credit card product of China Merchants Bank. The interest rates and fee structures of these products may vary in different circumstances.

Interest rates on Ant Huabei and Jiebei are generally higher, but will vary based on your credit rating and borrowing term. Usually, the interest rates of Ant Huabei and Jiebei are higher than those of credit cards, and may be between 20 and 30. In addition, Ant Huabei and Jiebei usually charge a certain handling fee.

The interest rate of China Merchants Bank credit cards is usually low, generally between 15 and 25. However, it should be noted that CMB credit cards may have other fees and restrictions, such as annual fees, cash withdrawal fees, etc.

To sum up, if you only consider the interest rate, China Merchants Bank credit card may be a relatively low choice. However, other factors should also be considered, such as an individual's credit rating, ability to repay, and the specific terms and fee structure of each product. Before making a decision, it is best to contact these institutions directly to find out their latest rates and conditions for a thorough comparison and evaluation.