Agricultural Bank of China credit cards are divided into quasi-credit cards and credit cards.

The Jinsui quasi-credit card is a RMB credit payment instrument issued by the Agricultural Bank of China. It has functions such as consumption, transfer settlement, and cash deposits and withdrawals. Cardholders can also obtain certain overdraft facilities based on their credit. Quasi-credit cards can be used within the territory of the People's Republic of China (including Hong Kong and Macao) and other designated countries and regions.

The basic functions of the Golden Harvest Credit Card include: consume first, repay later; no guarantor, no deposit required; one card with two currencies (except UnionPay cards), universally accepted; up to 56 days interest-free period ; Installment payment service; zero risk of losing the card (no risk after reporting the loss); SMS notification service; overseas consumption, domestic RMB repayment; free bill mailing (free within the past year); overseas emergency service; flexible adjustment of the limit, etc.