All natural persons who have reached the age of 18, have full capacity for civil conduct, have a legal and stable source of income and solvency, and have a good credit status can apply to the credit card center for a personal credit card master card with their valid identity documents and other documents required by the credit card center of Shanghai Pudong Development Bank.

The main cardholder can apply for supplementary cards for other natural persons who have reached the age of 18 and have full capacity for civil conduct.