ETC co-branded card is a bank card jointly issued by the transportation industry and banks. It has ETC function, including debit card and credit card. As for whether it is a debit card or a credit card, according to the relevant regulations of various banks, credit cards and debit cards are mainly credit cards, and ETC can be used in accordance with the relevant regulations of various banks.

Compared with the threshold of debit card, the threshold of credit card is higher, which not only limits the age of the cardholder, but also requires the cardholder to have a stable job and income, thus hindering the cardholder. In addition, the credit card has the function of UnionPay flash payment, and the small secret visa-free service is opened by default, which will make users question the property safety and is not conducive to the business development of ETC co-branded cards.

When dealing with ETC card, it is best to choose credit card. If you choose a debit card, you need to leave a deposit on the card. The amount of deposits in different banks will be different. Once there is a problem of insufficient deposits, it will directly affect the passage. If the debit card is deducted, the balance will be insufficient, the account will be frozen, and the 30-day arrears will also affect personal credit information. Therefore, it is best to choose a credit card for ETC.