The Jinyan Card of Henan Rural Credit Cooperative actually has the functions of both a credit card and a savings card. It is positioned as a debit card, issued by Henan Rural Credit Cooperatives Union, and incorporated into China UnionPay system. According to the issuing object, Jinyan cards are divided into corporate cards and personal cards. Personal cards include ordinary cards, VIP cards and employee cards. The functions of these cards are basically the same, but the card face design is different, which is convenient for marketing.

Jinyanka has a unique design concept, showing a strong cultural atmosphere with elements such as swallows, willow shoots, red berries and seals, aiming at providing convenient financial services for the general public. Its core functions include: deposit and withdrawal and inquiry in Henan rural credit cooperative system, and free of handling fees; Support consumption and withdrawal at POS machines and ATM machines with UnionPay logo at home and abroad; Provide convenient financial services at rural agricultural aid withdrawal service points and financial self-service points; And open SMS reminder service to inform account changes in time, such as the arrival of wages and subsidies.

In addition, Jinyanka also has the online shopping function, such as using it on Taobao. Generally speaking, Jinyanka of Henan Rural Credit Cooperatives is a bank card integrating savings and consumption, which provides cardholders with all-round financial services, especially suitable for the daily use of rural residents.