Universal. Jinyanka is a UnionPay card drawn from rural commercial banks. Jinyan Card handled at any outlet of rural commercial banks can not only be withdrawn from rural commercial banks nationwide, but also be withdrawn from postal savings bank, China Construction Bank branch and Agricultural Bank! Jinyanka is a RMB magnetic stripe debit card that joined China UnionPay and was voluntarily entrusted by Henan Rural Credit Cooperative Association to apply for a unified brand.