What is the difference between a Postal Savings Meituan co-branded card and a bank card?
The main difference between a Postal Savings Meituan co-branded card and a bank is that a co-branded card is a card jointly issued by a bank and other companies. Usually You can enjoy special benefits and discounts. Ordinary bank cards have no special rights and benefits. Co-branded cards usually exist in the form of co-branded cards. In this way, the credit card not only enjoys the basic rights of a credit card, but also enjoys additional co-branded rights.
Is it easy to apply for a China Postal Savings Credit Card? What are the conditions?
It is very easy to apply for China’s postal savings credit card. Applicants who are over 18 years old, Chinese residents with full capacity for civil conduct and good credit, foreigners permanently residing in the country, and compatriots from Hong Kong, Macao and Taiwan can apply for a personal credit card from the credit card issuer with their valid identity documents. Individual cardholders may also apply for supplementary cards for natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct. Mastercard holders can apply to cancel their supplementary card at any time.
What kind of proof does a Postal Savings Bank credit card provide?
1. ID card
2. Proof of work or income;
3. Company phone number, home phone number and personal mobile phone number;
4. Tax payment certificate
5. Asset certificate of real estate, vehicles, etc. in your own name
In addition, if you have a credit card from the patient’s bank, you can also provide the following copies. Or proof of income is important. In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submit will make the bank feel that you have sufficient repayment ability. The higher the repayment ability, the easier it is for banks to issue cards.
On August 11, 2020, the Postal Savings Bank of China and Meituan held a comprehensive strategic cooperation agreement signing ceremony in Beijing, officially launching the Postal Savings Meituan co-branded debit card. The Meituan co-branded card is a standard credit card product issued by Meituan in cooperation with banks from various places, focusing on the rights and interests of various life consumption scenarios of "eating, drinking and having fun", enhancing Meituan's big data, intelligent model and other advantages. Combining the bank's accumulated experience and advantages in terms of funds and whole-process risks, it can touch the real needs of users through "online" consumption scenarios and provide characteristic and differentiated financial services of "local customers, local life, local finance".
How about a postal savings credit card? What are the types of credit cards?
1. Regular cards
The main card and supplementary card are permanently free of annual fees, free of annual fees, and you can swipe the card as you like. You can activate the card through the 24-hour customer service hotline, and set the transaction password and query password online in real time. You can also log in to online banking to activate the card in real time, which is safe and fast.
2. Gold Card
China Postal Savings Credit Card Gold Card is a standard credit card product developed for mid-to-high-end people. In addition to revolving credit, consumer installments, cash advance, optional password, and other services, the product also has air ticket and hotel reservations, supplementary card limit adjustment, 48-hour card loss protection, free transaction reminders, high-limit cash advance, and birthday double payment. Double points, exciting gift redemption and many other special services, it is a real credit card that meets international standards
3. Self-mailed Family Co-branded Credit Card
Self-Mailed Family Co-branded Credit Card is a UnionPay standard RMB gold The card is co-branded by the Postal Savings Bank of China (hereinafter referred to as our bank) and the "Self-mailer" brand of the Guangdong Provincial Postal Company. In addition to the original functions and services of our bank's gold card, the product also adds a series of self-mailing services, including but not limited to vehicle violation information inquiry, agency for local traffic police fines, agency for vehicle and vessel tax/annual pass, agency for driver's license and driving license It is a credit card of our bank that provides all-round car butler services to car owners, including annual certificate renewal business, vehicle insurance purchase and many other car owner services.
4. Travel in China - Damei Travel Card
To commemorate the "60th Anniversary of Peaceful Liberation", our bank specializes in "Travel in China - Damei Travel Card". This product is UnionPay Standard RMB personal credit card, the product level is gold card. On the basis of the original functions and services of the gold card, rich local tourism resources are superimposed. When cardholders travel to beautiful places, they can also enjoy the high-quality and considerate services of the travel card.
5. Travel China-Hainan International Tourism Island Card
Travel China-Hainan International Tourism Island Card is a high-quality payment tool tailored for you who like tropical island style. It integrates credit cards It integrates multiple functions such as payment, discounts, and consumption guidance, and provides everything from food, accommodation, transportation, travel, shopping, and entertainment. While spending happily and paying easily, you can also enjoy the surprise discounts our bank brings to you. The beautiful natural scenery and pleasant card-using experience are all in the Hainan International Tourism Island Card.
6. Postal Savings Tongcheng Travel Credit Card
Postal Savings Tongcheng Travel Credit Card is co-branded by the Postal Savings Bank of China Jiangsu Branch and Tongcheng.com, and is positioned to provide customers with travel and leisure needs with " One-stop "business travel and travel services." While cardholders enjoy the existing functions and services of our credit card, as a gold member of Tongcheng.com, they can enjoy various value-added services and exclusive discounts provided by Tongcheng.com. This product is a UnionPay standard RMB personal credit card, and the product level is gold card. Issuance area: Issuance within Jiangsu Province.
7. Postal Savings Bank Qiandao Lake Tourism Co-branded Credit Card
Postal Savings Bank Qiandao Lake Tourism Co-branded Credit Card is jointly issued by Postal Savings Bank of China and the People’s Government of Chun’an County, Zhejiang Province. It is the first in the country. Zhang issued a joint credit card with the theme of "Thousand Island Lake Tourism". The card is a UnionPay standard RMB personal credit card, divided into two levels: gold card and regular card. It integrates the dual functions of basic financial services and urban tourism services to meet the needs of cardholders when traveling to Qiandao Lake. Comprehensive needs in five categories: ", shopping, and entertainment". Issuance area: The first batch is limited to Zhejiang (excluding Ningbo), Anhui, Jiangxi, and Shandong provinces.
8. Postal Savings Bank Zhongyuan Food Credit Card
Postal Savings Bank Zhongyuan Food Card is the first credit card in Henan Province jointly issued by Postal Savings Bank of China Henan Branch and Henan Catering and Hotel Industry Association. A food-themed co-branded credit card. This card is a UnionPay standard RMB personal credit card and is a gold-level credit card product of our bank. The card is valid for 3 years, with a credit limit of 10,000 yuan to 100,000 yuan. The annual card fee is 200 yuan/year (the annual fee is waived in the first year, and the annual fee for the next year is waived if the card is swiped 10 times or more). This card combines the basic services of a standard credit card with the dual functions of discounts from catering merchants. Issuance area: Issuance within Henan Province (temporary).
9. Postal Savings Bank Anhui Transportation Co-branded Credit Card is a co-branded credit card jointly issued by Postal Savings Bank of China and Anhui Expressway Network Co., Ltd. It is the country’s first industry-applied IC credit card product. The card is divided into gold card and regular card levels. It has all the functions of Postal Savings Bank IC credit card and all the rights and interests of credit cards of the same level. It also has the function of paying highway passes as a transportation card. It can be used in Anhui, Jiangsu, Zhejiang, Jiangxi, Fujian, etc. Special lanes for ETC and MTC are available for parking and swiping or non-stopping on expressways in the province and Shanghai. Only issued within Anhui Province.
What are the types of PSBC credit cards?
What are the types of PSBC credit cards? Postal credit cards have become very popular recently, and many card friends have come to inquire about postal cards! There are many friends who want to get a postal credit card, so what about a postal savings credit card? Let me introduce Kabaobao to you.
What about Postal Savings Credit Card?
PSBC Credit Card is a RMB credit card and is a UnionPay standard card. It has all the functions and services of a UnionPay standard credit card and can be used freely at home and abroad. The card is valid for three years. , four supplementary cards can be set.
1. The Postal Savings Bank Credit Card is a product launched by Postal Savings for ordinary users. Based on the concepts of "convenience", "affordability" and "safety", it is created for our customers. Practical card type.
2. Product Features
Permanent annual fee exemption: Both the main card and supplementary card are permanently exempted from annual fees, free of annual fees, and you can swipe the card as you like.
You can choose any installment payment you want: "any installment" for bill installments and "pay for each transaction" for transaction installments, with no interest and low handling fees.
Double protection of password SMS: activate the card through the 24-hour customer service hotline, set the transaction password and query password online in real time, or log in to online banking to activate the card in real time, which is safe and fast.
Enjoy up to 50 days of interest-free repayment period for consumption: the longest is 50 days, the shortest is 20 days, the interest-free period for consumption, priority is given to enjoying a leisurely life.
Optional billing dates: Multiple billing dates are available to facilitate flexible repayment arrangements.
Points are permanently valid: every dollar spent earns one point, and the points are permanently valid. Points can be transferred and redeemed to easily implement various points plans.
Postal credit cards are a relatively friendly type of card, with no annual fee, strict security protection measures, long repayment period, and points that are permanently valid.
Card Baby, I will recommend to you the three postal cards that are most worth applying for.
1. Dingya Platinum Credit Card (Little Platinum)
Issued on December 3, 2015, with a limit of 50,000-150,000. It is recommended for friends who have the conditions to apply. The small platinum plan will be gradually released and the rights and interests are expected to increase. Customers who are responsible for salary payment are being invited:
1. Annual fee: 500 for the main card and 200 for the additional card. It is exempted in the first year, and it is exempted if it reaches 70,000 or 20 transactions in the following year.
2. Benefits:
Earn 1 point for 1 yuan, valid within the validity period of the main card.
Double points for the main and additional cards in the birthday month.
Twice the points for bills and installments.
Unlimited roadside assistance around the clock, with more content than usual.
Loss report fees, card replacement fees, account cancellation fees, SMS service fees, card express fees, replacement bill fees, purchase order recall fees and the Bank’s domestic overpayment cash withdrawal fees are all free of charge.
The annual limit of card loss protection for a single card within 72 hours before reporting loss is 10 million yuan.
UnionPay platinum benefits: 1 yuan for airport parking (10 times for 2 hours, 3 times for 48 hours), etc.
3. Application:
Currently, small platinum funds are gradually liberalized. In the past, the conditions were higher, but they also required local social security/provident funds, etc. Debit card VIP helps to get the watch:
2. EMS co-branded credit card
It is divided into gold card and regular card, and the card is issued 1 in 1. Postal Savings Bank’s first set of cards, UnionPay and MasterCard contactless EMV.
1. Annual fee: The annual fee is waived in the first year, and the annual fee is waived for the next year after spending 6 transactions.
Each household can use 1,800 points in the credit card mall every month to exchange for an EMS domestic delivery coupon of 18 yuan, and place an order on EMS’ official WeChat account (1 rebate).
2. Rights and Interests:
Preferential merchants: More than 15,000 preferential merchants offer consumption discounts, and you can enjoy varying discounts on consumption.
Enjoy activities: enjoy food and travel, covering ticketing and hotel reservations, preferential scenic spots and high-quality travel routes, etc., with discounts and cash rebates.
Domestic delivery: New users use EMS express delivery, and customer postage fees are waived. Old users enjoy discounted postage for domestic EMS delivery. Cardholders can enjoy free postage promotions in shopping malls and supermarkets from time to time.
Overseas shopping transshipment: China Post’s overseas shopping corresponds to the membership level: ordinary card becomes an intermediate member, and gold card becomes a senior member. Use a co-branded card to pay the shipping fee and enjoy a 10% discount on the member price. And you can enjoy discounts for corresponding membership levels.
3. Card application:
Just fill in the application form to apply, it is very simple. When applying, apply for two corresponding products of the same level from UnionPay and MasterCard at the same time (i.e., apply for EMS co-branded card UnionPay regular card and MasterCard regular card at the same time, or apply for EMS co-branded card UnionPay Gold Card and MasterCard Gold Card at the same time).
3. VIP debit card
The VIP of other banks is the VIP of our bank. This is a good thing about the Postal Savings Bank. With VIP cards from other banks, you can go to the Postal Savings Bank VIP window to handle business. Of course, this includes PSBC’s own VIP debit cards: Green Card Gold Card, Platinum Card, and Diamond Card.
VIP card meets the standard: the sum of three-month average daily financial assets and a certain proportion of loans
Quota: Gold card: 100,000 yuan to 500,000 yuan (only 50,000 yuan or even lower in many places)
Platinum Card: RMB 500,000 to RMB 2 million
Diamond Card: RMB 2 million or more
(General financial managers can give special approval within 15 days, but Only approved once in 2 years. Platinum card or salary card can be directly assessed within the system, but there is no management fee, but UnionPay only recognizes BIN and can participate in VIP activities)
Postal Savings VIP card benefits Including: preferential rates, health care, insurance protection, roadside assistance, global VIP privileges, etc. It is much better than a credit card. Postal debit cards offer as many discounts as credit cards, so don’t ignore them, card friends.
How many types of cards does the Postal Savings Bank of China have? Can anyone open online banking?
There are four types of cards: ordinary green card, green cartoon card, co-branded card and credit card. Anyone can open online banking.
According to the overall arrangements for the financial system reform of the State Council, on the basis of reforming the original postal savings management system, the Postal Savings Bank of China Co., Ltd. was formally established in March 2007. On January 21, 2012, with the consent of the State Council and the approval of the China Banking Regulatory Commission, the Postal Savings Bank of China Co., Ltd. was legally renamed as the Postal Savings Bank of China Co., Ltd.
The young Postal Savings Bank has a history of nearly a hundred years. In 1919, the Postal Savings Bureau, the predecessor of the Postal Savings Bank of China, was established to start the postal savings business. In 1942, the Savings and Exchange Bureau became an important part of the six major financial pillars at that time: "Four Banks and Two Bureaus". In the early days of the founding of the People's Republic of China, the postal savings business was discontinued in 1953, and the postal service continued to handle remittance business. In 1986, postal savings were officially resumed.
With the care and support of governments at all levels, financial regulatory authorities and all sectors of society, the Postal Savings Bank of China adheres to the concept of inclusive finance and consciously assumes the social responsibility of "reaching urban and rural areas and benefiting the people".
The Postal Savings Bank of China has embarked on a characteristic development path that serves "agriculture, rural areas and farmers", small and medium-sized enterprises, and communities.
At present, Postal Savings Bank of China has become the commercial bank with the largest branch network, the widest coverage, and the largest number of customers served in the country. As of the end of June 2015, Postal Savings Bank of China has more than 40,000 business outlets and has built an electronic financial service network including online banking, mobile banking, telephone banking, TV banking, Weibo Bank, WeChat Bank and Yixin Bank. Its service tentacles cover vast urban and rural areas, serving nearly 490 million customers;
There are currently 9 types of postal bank cards. The ones suitable for students are mainly the green card series and the zodiac card. The following is an introduction to the 9 types of cards. :
1. Green card (debit card): It is a financial payment instrument issued by the Postal Savings Bank of China and has all or part of the functions of consumption, transfer, settlement, cash deposit and withdrawal, etc. The green card is a debit card and no overdraft is allowed.
2. Green Card: It is a debit card issued by the Postal Savings Bank of China that integrates accounts and financial accounts with different types of savings, currencies, and fund forms into one debit card, and uses one card to manage individuals. Bank cards with fund activity status across multiple accounts.
3. Green Card IC Card Gold Card: It is a Green Card IC card debit card issued by the Postal Savings Bank of China to customers who meet the relevant assessment standards. Customers who meet the standards can enjoy corresponding benefits after applying for the gold card. Financial and non-financial value-added services.
4. Green Card (Taobao Co-branded Card) (referred to as: Taobao Green Card): It is a financial service and online payment jointly issued by the Postal Savings Bank of China, Zhejiang Taobao Network Co., Ltd., and Zhejiang Alipay Network Technology Co., Ltd. All-in-one co-branded debit card.
5. Regional co-branded cards: refer to bank cards jointly issued by branches of Postal Savings Bank of China at all levels and large enterprises, institutions and social groups.
6. Zodiac Card: It is a series of themed card products issued by the Postal Savings Bank of China that not only has the function of a bank card, but also carries New Year blessings.
7. Green Card (Tencent QQ Co-branded Card) (referred to as: Tencent QQ Card): It is a joint loan issued by the Postal Savings Bank of China and Tenpay, integrating financial services and online payment functions. Credit card.
8. Nostalgia Card: It is an exclusive debit card issued by the Postal Savings Bank to the majority of labor customers. It is a financial IC debit card with functions such as salary payment, cash deposit and withdrawal, transfer and remittance, payment and settlement, etc. Card.
9. Jinhui Card is an exclusive debit card issued by Postal Savings Bank for pension financial customers. It is a financial IC debit card with functions such as pension issuance, cash deposit and withdrawal, transfer and remittance, payment and settlement, etc.
What are the institutions that co-brand with Postal Savings Bank credit cards
China Resources Network (Shenzhen) Co., Ltd. China Resources Co-branded Credit Card is jointly developed by Postal Savings Bank of China and China Resources Network (Shenzhen) Co., Ltd. China Resources Network (Shenzhen) Co., Ltd. was established in 2016 and is located in Shenzhen, Guangdong Province. It is an enterprise mainly engaged in business services.
What is the annual fee for the China Postal Savings Bank China Resources Co-branded Credit Card? How to reduce or reduce?
The Postal Savings Bank of China has launched a China Resources Tong co-branded credit card, which focuses on the benefits of China Resources Tong membership and is suitable for friends who need shopping in supermarkets and daily rest. Many card friends are more concerned about the annual fee of Postal Savings Bank China Resources Co-branded Credit Card. Here we will briefly introduce it.
How much is the annual fee for the China Postal Savings Bank China Resources Co-branded Credit Card?
The Postal Savings Bank China Resources Co-branded credit card issued this time has two levels: gold card and platinum card, covering the two major card organizations UnionPay and VISA. *** There are China Resources Co-branded cards UnionPay Gold Card, China Resources There are four types of Tong co-branded cards, VISA Gold Card, China Resources Tong co-branded cards, UnionPay Platinum Cards, and China Resources Tong co-branded cards, VISA Platinum Cards. The annual fees are the same as follows:
1. China Resources Tong Co-branded Cards, UnionPay Gold Card, China Resources Tong Co-branded Cards, UnionPay Gold Cards, and China Resources Tong Co-branded Cards, VISA Platinum Cards. Co-branded card VISA Gold Card: The annual fee is the same as the standard gold card. The annual fee is waived in the first year. The annual fee is waived for the next year if it is used 6 times in the same year. If the conditions for annual fee exemption are not met within the annual fee cycle, it will be treated as the main card 125 RMB/year, the supplementary card has a standard annual fee of RMB 60/year.
2. China Resources Co-branded card, UnionPay Platinum Card, China Resources Co-branded card, VISA Platinum Card: based on the annual fee standard of Dingya Platinum Card, the annual fee is waived in the first year, and the annual fee is waived for purchases of 70,000 yuan or 20 transactions. The annual fee for the primary and secondary cards in the following year (calculated separately for the primary and secondary cards), if the annual fee exemption conditions are met during the annual fee cycle, the annual fee will be deducted at the standard of 500 yuan/year for the primary card and 200 yuan/year for the supplementary card
By the way, the annual fee cycle of Postal Savings Credit Card is calculated on a yearly basis, that is, 12 months from the effective month printed on the card, not from the activation date. If you are really unclear, you can call the postal credit card customer service number to consult.
This concludes the introduction to Postal Savings Credit Card Co-branded Cards and Postal Savings Bank Co-branded Credit Cards. Have you found the information you need?