Many banks have launched virtual credit card (debit card) services, such as the E-GO card of Shanghai Pudong Development Bank, the online payment card of China CITIC Bank, the E-PAY card of China Construction Bank, the geek card of China Guangfa Bank, the hard e-Pay card of Huaxia Bank and the card-free card of Ping An Bank. As for the conditions for applying for a virtual credit card (credit card), some banks require a physical credit card (credit card) to apply, while others do not.

Applying for a virtual credit card (debit card) also needs to be reviewed by the bank. Without the review, the bank will not issue the card.