The official cards of Agricultural Bank of China are all gold cards, with pos spending 1.5 times (all other cards are 1 yuan). There is no annual fee for official cards, and there is no handling fee for banks in the same city to withdraw excess deposits. In some areas, business cards can enjoy VIP services at outlets. In terms of repayment, you can go to the counter to repay without a debit card. Alipay is safe now, and now Alipay will pay back the ABC credit card in one minute. Summary: You can keep this card even if you don't want to use it, because there is no annual fee. There is no handling fee for returning excess deposits, and there is no handling fee for remitting money to your card at the outlets of the Agricultural Bank of China, which is much easier to use than debit cards. Generally speaking, when you repay with Alipay, you transfer the money from your debit card to your ABC credit card. If your Alipay is stolen, you will get full compensation. The safety factor is very high.