Operating environment:
Brand model: iPhone 13
System version: iOS 15.3. 1
App version: v 10. 1.3
First, download the China Merchants Bank APP.
Second, open the search box and search for "apply for a savings card".
Third, click in and drop down to find the joint business card.
Fourth, then operate as required.
Co-branded cards are supporting products of bank cards jointly issued by commercial banks and for-profit institutions. Co-branded cards have the same function as credit cards, but are different from identification cards. Co-branded cards are jointly issued by issuing banks and general enterprises, which are more commercial and have more additional functions endowed by enterprises than general credit cards to give back to cardholders such as AVIC Credit Card and Department Store Co-branded Card.
Co-branded cards are operated in the form of a card jointly issued by the issuing bank and profit-making institutions such as airlines, telecommunications companies and shopping malls. Cardholders can enjoy a certain percentage of discounts provided by merchants when spending in these institutions. For example, CITIC Star Golf Co-branded Credit Card issued by CITIC Bank. The most common is the joint debit card, that is, the bank card with joint nature developed on the basis of debit card. In this way, cardholders naturally become the most direct beneficiaries, and they can spend less money when shopping with co-branded cards, thus attracting consumers to swipe their cards.
Discount is another major feature of co-branded cards. In order to attract frequent customers, merchants give discounts through co-branded cards. For some designated discounted goods, the merchant stipulates that you can only enjoy the discount with a co-branded card, which is something that you can't enjoy in cash or other ways. Some high-profit shopping malls even stipulate that you can enjoy different discounts as long as you use a co-branded card. For those who want to spend money in the mall anyway, it can be said that it is cheap to get a co-branded card and enjoy the discount service.
Additional services are the most worthwhile place to make a fuss about co-branded cards. For car buyers, a co-branded card means that you can only enjoy the proper maintenance service with a card, such as the Toyota co-branded card in Japan; For people who buy a house, the co-branded card is a master key of the owner. With the card, not only can the house be discounted, but it can also be used as a door opening card, a parking card, a property card, a friendship card and so on. , such as Vanke co-branded card of a real estate tycoon; For the general shopping mall consumers, the co-branded card may have more humanized service functions, such as the co-branded card of Tesco supermarket, which can take the free bus provided by the supermarket.
The benefits of co-branded cards have been recognized by cardholders, merchants and banks, and more and more projects have been launched one after another. I believe that in the near future, co-branded cards will become more popular and bring more benefits to consumers.