Different quotas: the joint credit card loan quota does not exceed 50,000 yuan; However, different types of ordinary credit cards have different limits, usually ranging from 3,000 yuan to 1 1,000 yuan, gold cards ranging from 1 1,000 yuan to 50,000 yuan, and platinum cards ranging from 50,000 yuan to above.

The installment rate is different: the rate of JD.COM co-branded credit cards is 0.5% per month, 1.5% for three months, 3% for six months and 6% for one year; Ordinary credit cards have a three-month interest rate of 2.7%, a six-month interest rate of 4.5% and a one-year interest rate of 7.92%.

Issue rate is different: It is more difficult to issue joint credit cards in JD.COM. Even if the user's credit is good and the account is active, it may be rejected; However, as long as ordinary credit cards meet the requirements, Puka can generally apply successfully.

The scope of use is different: JD.COM white bars can only be used for shopping and consumption in JD.COM Mall; Credit cards can be used as long as they can be swiped.

Is JD.COM co-branded credit card a physical card?

JD.COM Xiaobai Card has physical card and electronic virtual card. Among them, little white cloud Credit Card jointly issued by Guangfa Bank and Jingdong Finance belongs to electronic virtual card, which can be processed quickly and consumed immediately without issuing physical card. While all kinds of JD.COM white cards issued by other banks are physical cards, such as China Merchants Bank White Card, Industrial and Commercial Bank White Card, CITIC White Card, Minsheng White Card, Huaxia White Card, Shanghai Bank White Card, HSBC Platinum Card and Bank of Communications White Card.