Agricultural Bank of China issues student credit cards to college students, undergraduates, master students and doctoral students. The product design concept is 4U (University/Unique/Upward/Useful), in which "college students are full of personality, positive and determined to become useful talents to society". The card has unique design, bright colors and lively patterns. At the same time, three different colors of cards are provided for students to choose from: cool black, bright pink and dazzling silver.

In addition to the basic functions of credit card, such as paying after spending, optional consumption password, and zero risk of reporting loss, Youcard also provides seven special services according to students' consumption characteristics. If new students can apply with the admission notice. There is no charge for depositing (returning) money in the same city or different places. During the promotion period, banks in the same city will withdraw cash free of charge and bind with Jinsui Campus Card to realize the agreed repayment. In addition, credit reports are issued for college students with good credit records, and credit records are accumulated in advance for college students to enter the society.