If a provident fund co-branded card has an overdraft consumption limit, then the card is a credit card (credit card). If there is no overdraft consumption limit, the card is a debit card. Different regions and different banks have different types of provident fund co-branded cards. Although most provident fund co-branded cards are debit cards, there are also a very small number of provident fund co-branded cards that are credit cards (credit cards).

Regardless of whether the provident fund co-branded card is a credit card (credit card) or a debit card, it can be used to check the provident fund balance. The type of card will not affect the user experience related functions.