Basic rights and interests:

1. No annual fee: The annual fee is unconditionally waived during the validity period of the card;

2. No cash withdrawal fee: at China Minsheng Bank For cash withdrawals through channels, the 0.5 cash withdrawal fee is waived;

3. Points redemption: The co-branded card points earned by cardholders using the Minsheng Xiaobai Card to consume relevant amounts are automatically converted into JD Steel Points on a daily basis. ;

Redemption standard: every 1,000 co-branded card points are exchanged for 1 JD Steel 镰;

The redeemed JD STEEL will be imported into the JD financial account bound to the cardholder's co-branded card;

The maximum number of co-branded card points that cardholders can redeem for JD Steel each month is twice the limit of the account to which the customer’s co-branded card belongs; points consumed by supplementary cards are accumulated to the main card account;

4. 3x points on birthday: On the cardholder’s birthday, in addition to the normal accumulated points, all points-based transactions will receive an additional 2x points as a reward;

5. Little White Card Privilege Day : The 27th of every month is the Minsheng Little White Card privilege day. In addition to the normal accumulated points, all points-based transactions can receive an additional 2 times the points as a reward. If the privilege day is the user's birthday, the points can be accumulated and given away, up to 5 times the points.

Featured benefits:

1. Form filling gifts: 2. Card opening gifts; 3. Full balance gifts, etc.