We can often see business cards in some articles, so what exactly are business cards? Many card lovers must have never heard of business cards, so what kind of card is it?

What is a business card?

Official card is the abbreviation of central budget official card and is a type of credit card. UnionPay Business Card is a UnionPay card launched by China UnionPay that is specially used for daily official expenses of government agencies, enterprises and institutions. It is mainly used for travel borrowing, reimbursement, travel booking and other aspects to meet the needs of accounting management of agencies, enterprises and institutions.

Official cards are issued to employees of budget units. The unit needs to confirm their identity when applying for the card~

The official card is a new type of financial management tool and means that combines the relevant aspects of financial management. The requirements are combined with the unique advantages of bank cards. A business card is a credit card issued by a financial institution to employees working in budget units and is mainly used for official expenditures. It has the credit consumption function of a new card, but at the same time it is different from ordinary credit cards.

What is the difference between a business card and a credit card?

Business cards are personal credit cards owned by budget unit staff and can be used for daily official expenditures and financial reimbursements of the unit. The card and password of the official card are kept by the individual.

Business cards not only have the same attributes as general credit card credit consumption, but also have the uniqueness of financial management. They are also the most effective tool and means to standardize cash management. It is a credit card issued to employees of administrative institutions and mainly used for official expenses. In addition to the credit consumption functions of ordinary credit cards, business cards should also comply with the special regulations of the business card management system. The main differences are: first, the official card holder is an employee of an administrative institution, and the identity must be confirmed by the institution when issuing the card; second, the official card is mainly used for official expenses and reimbursement, while the ordinary credit card is mainly used for personal consumption; Third, the credit limit of a business card is high, ranging from 10,000 to 50,000 or even 100,000; fourth, some preferential services of the business card: no annual fee, free text messages, interest-free cash withdrawals and other services; fifth, the business card is UnionPay standard The card has the unified BIN number field code of the official card.

How to apply for a business card?

Not everyone can apply for a business card, there are requirements for applicants. The following are the conditions and methods for applying for a business card:

1. First of all, the applicant must be a staff member of a national administrative unit, public institution, etc., such as civil servants, teachers, doctors, etc., in order to apply for a business card. However, business cards can be used not only for unit reimbursement settlement, but also for personal consumption.

2. To apply for a business card, you need to bring your ID card and work certificate, as well as a certificate from the unit, stating that you are a staff member of the unit;

3. Bring your ID card Apply at the bank counter with the certificate issued by the unit;

4. The bank staff will give the applicant a business card application form, fill in the information according to the form, mainly the applicant's basic information and income; Just fill it out and give it to the bank staff;

5. The bank will check your ID card and employer certificate. Generally speaking, your unit must be a state-owned enterprise, a government department, or an institution directly under the government department.

6. You can also use your home phone or your own mobile phone to apply, call the bank where you need to apply, and then explain the situation and follow the prompts.

Currently, in addition to going to the bank counter, you can also apply online on the bank’s official website. As long as the applicant is qualified to apply for a public service card, he or she can fill in the information on the application page as required to apply, or make an appointment online in advance. It’s very convenient to operate and you don’t have to queue up at the bank anymore.

What should you pay attention to when using business cards?

It is important to protect your business cards. If your business card is lost or stolen, there is a risk of malicious overdraft fraud, consumption, or theft. You should pay attention to the following points when using business cards:

1.

5. Check the official card statement carefully and find that the account has been used fraudulently. Please contact your card-issuing bank immediately.

6. Open the SMS service provided by the bank and supervise bank card transactions in real time.

7. If your bank card is lost or stolen, please contact the card-issuing bank immediately through the card-issuing bank’s customer service phone number.

Today, Cass will talk about which business cards are worth applying for!

1. Agricultural Bank of China Platinum Credit Card

Card Introduction

The Platinum Business Card is a high-end business credit card issued by Agricultural Bank of China to employees of central and local budget units and state-owned enterprises.

Rights

1. Cost discount

Waiver of credit card annual fees, overpayment fees, loss reporting fees, bill printing fees, production fees, and password resets fees, transaction dispute handling fees, and express delivery fees.

2. You can enjoy 1.5 times the points when you pay by credit card or WeChat offline.

3. VIP booking and escort services.

Three times a year, experts make appointments and accompany you to see a doctor.

4.24-hour free roadside assistance.

4. Agricultural Bank of China Platinum Card benefits (currently as of December 31, 2019): 1 yuan for airport parking; 1 yuan for CIP at the airport; 1 yuan for high-speed rail lounges; exclusive benefits for high-end hotel groups.

This card is a platinum card, and the mileage conversion ratio is generally 20,333,601. The superposition of 1.5 times is equivalent to 13.333,3601. The ratio is average, but Agricultural Bank of China doesn’t have too many points cards, so it’s still pretty good.

The small card is recommended to be handled by public servants. After all, it’s more cost-effective for the mileage party to match more points.

Two. ICBC Business Card Gold Card

Card Introduction

ICBC Business Card is a credit card issued by ICBC to central and local budget units, staff of armed police forces, and regular employees of enterprises. It is mainly used for official consumption, daily purchases, travel expenses and corresponding financial reimbursements, and can also be used for the cardholder's personal consumption.

Rights

ICBC Business Card Gold Card

1. The card application fee is zero, the annual fee is waived for life, and the annual fee is waived when reporting loss.

2. VIP lounge

3. Special air tickets: an additional 15% off on domestic and international air tickets; 12% off on the full price of domestic air tickets and 15% off on the full price of international air tickets.

4. "1 Yuan Parking Service" at designated airports. Spend 1 Yuan/time and enjoy 3 times of 48-hour parking and 10 times of two-hour parking.

5. Overseas car rental discounts: official business Cardholders can enjoy a 10% discount on global car rentals from Hertz and a full discount on upgrades.

This card can not only enjoy the special services exclusive to business cards, but also follows the service concept of "making business travel an enjoyment" to provide cardholders with travel insurance, air ticket discounts, airport transfer discounts, and airport transfers. A full-process travel value-added service chain including parking discounts and airport/high-speed rail VIP rooms.

3. Ping An Bank Business Card

Card Introduction

Ping An Bank Business Card takes "Sunshine Payment" as the core concept and uses UnionPay standard RMB credit card as the carrier. Provide public servants of budget units with the function of “consumption first, repay later” as well as all-round security and preferential living to meet the needs of official expenditure reimbursement and personal consumption.

Rights:

1. Travel vehicle accident insurance and travel inconvenience protection will be provided from the day after the first purchase; flight delay compensation and unexpected trip cancellation will be compensated;

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2. Use the card with peace of mind, and the maximum card loss protection is 72 hours before reporting loss;

3. Consumption with peace of mind, multiple protections for card consumption;

The travel benefits this card enjoys The rights and interests of transportation accident insurance and travel inconvenience protection are a safe choice, so that travel is guaranteed. Even if there is an emergency, you will still be compensated, making travel more comfortable. Related questions and answers: How to use business cards and precautions 1. After receiving the card, you must activate the card in time. Inactive cards cannot be used normally. 2. The business card does not have an initial password. You will be prompted to set a password when you activate it. Please remember the business card consumption password you set. If you accidentally forget the password, you can use the mobile phone or landline reserved when applying for the card to contact the credit card service hotline of the issuing bank. Make changes. 3. The official card can be used for private consumption, but it is not allowed to be lent to others and should be repaid in time to avoid affecting official consumption. 4. When making official purchases, you should give priority to payment by card if conditions permit. After communicating with the supplier, you can use transfer checks and wire transfers for payment. Cash payment should be avoided. : Bank 1. Bank (Bank) is a financial institution established in accordance with the law to engage in currency and credit business. It is the product of the development of commodity currency economy to a certain stage.

2. Banks are one of the financial institutions. Banks are divided by type: central bank, policy bank, commercial bank, investment bank, and World Bank. Their responsibilities are different. Central Bank: The People's Bank of China is the central bank of our country. State-owned policy banks: including the Export-Import Bank of China, Agricultural Development Bank of China, and China Development Bank. 3. State-owned commercial banks: including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Postal Savings Bank of China, Bank of Communications, etc. 4. Investment banks: including Goldman Sachs, Morgan Stanley, Citigroup, Wells Fargo, UBS, Societe Generale, etc. World Bank: used to finance countries to overcome poverty. Each institution plays a unique role in the mission of alleviating poverty and improving living standards. 5. Banks are one of the financial institutions. Banks are divided by type: central bank, policy bank, commercial bank , investment banks, and the World Bank, all of which have different responsibilities. 6. Central Bank: The People's Bank of China is the central bank of our country. Responsibilities: A special financial institution that implements monetary policy, conducts macro-control of the national economy, and supervises financial institutions and even the financial industry. 7. Policy banks: including the Export-Import Bank of China, Agricultural Development Bank of China, and China Development Bank. Responsibilities: Equity participation or guarantee, not for profit, specifically to implement and cooperate with the government's social and economic policies or intentions, directly or indirectly engage in policy financing activities in specific business fields, and serve as a role for the government to develop the economy and promote social progress , financial institutions that carry out macroeconomic management tools.