The standard card is the most basic credit card and has the most basic credit card functions such as consumption overdraft and cash withdrawal overdraft.

The actual function of the theme card is no different from the standard card. It just relies on certain cultural elements for promotion, such as Bank of China Olympic Card and China Merchants Bank Hello Kitty Card. These cultural elements are used to attract certain groups to apply for the card.

In addition to the functions of standard cards, co-branded cards are generally made by banks in cooperation with a certain shopping mall or company, and have functions such as discounts or points for specific shopping malls, such as Bank of China Taobao Card, Pudong Development Bank Wangfujing Co-branded Card, Bank of China Amway Card, Bank of China Ctrip co-branded card, etc.

The kind of card you apply for depends on your own needs. If you don’t have special needs, just apply for a standard card.