Bank of China’s digital credit card can be regarded as a new product in the financial industry. Digital credit card is an innovative product based on Internet technology. It has a more convenient and faster application and use process than traditional credit cards. Digital credit cards usually support online application, eliminating the need to fill out paper application forms, making the application process simpler and more efficient. In addition, digital credit cards also have more functions and features, such as real-time query of consumption details and account balances, self-service credit card limit adjustments, etc. Therefore, it can be said that Bank of China’s digital credit card can be classified as a new product in the financial industry.