1. Interest-free for up to 56 days

If you repay all the debt before the monthly repayment due date, the non-cash portion (i.e. consumption payment) can be accepted by our bank Interest-free treatment provided for up to 56 days.

2. Short message real-time notification

Every card transaction or important information change will be notified by mobile phone text message, so that you can have a full understanding of your account.

3. Consumption points rewards

Every time you swipe your card, you will get points. Agricultural Bank of China will provide you with exquisite point gifts, which can also be redeemed for annual fees. You will get different rewards for the same card swiping.

4. Gold card quality, status symbol

If the civil service card application is successful, it will be a gold card (overdraft limit is more than 20,000 yuan), which is a symbol of your status.

5. The Agricultural Bank of China distributes wages on its behalf, and repayment is quick and convenient.

The Agricultural Bank of China distributes wages on its behalf. It is convenient and fast to apply for an Agricultural Bank of China credit card during repayment. It can also be connected to the salary card. When the card consumption is due, it will be deducted directly from the salary card, eliminating the trouble of queuing up at the bank to do business.

6. No annual fee

As long as you consume more than 5 times in a year, you will be exempted from the annual fee for two years.

7. Interest-free deposits and withdrawals

This card is free of charge for cash withdrawals across the province. This is the biggest difference between the Golden Harvest Civil Service Card and other credit cards. Other credit cards charge fees no matter where you deposit or withdraw cash, and the rates are higher.