China’s credit card industry has experienced nearly 40 years of development. With the improvement of refined operations and the advancement of business card production technology, credit card products are constantly innovating, and card surface designs are becoming more and more refined. Compared with other Internet consumer credit products, the dispensable physical card is a prominent feature of credit card products. In addition to the payment and settlement function in specific scenarios, physical cards are also an efficient carrier for banks to convey emotional value to cardholders and gain brand recognition. Especially in the context of the "face value economy", unique card faces have become a powerful tool for banks to win the hearts of customers. In the 2023 "Excellent Credit Card" selection process, participating card products have different styles and are unique in card surface design and card production.
The advancement of card making technology has the most intuitive impact on the surface of the card. The artistic effects presented by different processes can better echo the theme of the card design, accurately convey the meaning of the card design, and enhance the aesthetic value of the card. In addition, for commemorative cards, some banks in the industry have launched limited edition cards with special craftsmanship and charge a certain card production fee.
The standard version of the China Construction Bank Long Card Bilibili Credit Card is made with raster technology. The surface of the Jinxiu Mountains and Rivers card is printed with cloth pattern, and the varnish is used to make a smooth or rough effect, highlighting the Jinxiu Mountains and Rivers Tour and the love. The feeling of a dream. Everbright Bank's filial piety theme credit card draws on the original idea of ??the Song River map and adds elements of three cranes and three deer to different pages. It embodies all the virtues of filial piety and the family concepts of happiness, harmony and friendship in traditional culture, and symbolizes health, longevity and the beautiful life realm that people yearn for. Using fashionable hot stamping technology, it visually and tactilely displays the noble identity of the cardholder.
The Shanghui Service Credit Card launched by Shanghui Bank adopts advanced card-making technology, such as gilding, hot silver, baby's breath, etc. The fresh card surface color of Shangmeng Bank's colorful installment card is integrated with pearlescent craftsmanship, echoing the colorful theme; Guiyang Bank's credit card 3354 double letter is designed with the background of Guiyang's landmark Jiaxiu Building. The logo part is laser hot stamped, and silver ink makes the card surface more textured; Jilin Bank Lujin Card takes the Jilin Bank mascot "deer" as the theme and launches four layouts: star sea, white moonlight, retro high-end, and aurora fantasy, with black The core background, vertical gold and relief highlight the texture of the card surface. Gansu Bank's "10th Anniversary" credit card uses plain silver inlay technology; Zhengzhou Bank's film co-branded credit card uses silk screen silver technology to construct card surface elements; different card versions of Dalian Bank's Youth Card use different processes, such as: pearlescent hot stamping technology, 3D and Butterfly light and shadow change technology, book cover pearlescent technology, etc. The small C card of Chouzhou Bank is made of plain hot stamping technology, preferably colored PVC. The color of the card is red, with the diagonal line as the main axis and a natural transition from light to dark.
In recent years, with the development of financial technology, some banks have combined credit cards with "black technology" to become unique. The first issue of Shanghai Pudong Development Bank’s “Cute Pet” themed credit card uses a scent-rubbing process, which produces a catnip scent through rubbing. It interprets the new concept of cute pets from a design perspective. The second issue combines the digital series to launch a limited number of cute pet "little cloth" patterns. Each card is randomly matched with Xiaobu's image. After reaching the standard, a digital collection picture of the same card surface can be obtained simultaneously, realizing the industry's first combination of physical card surface and digital collection. The physical card of Postal Savings Bank of China’s green and low-carbon themed credit card is made of PET environmentally friendly material, and the Shanghai Pudong Development UnionPay’s green and low-carbon themed credit card is made of PETG environmentally friendly card base. They both implement the concept of “reducing the burden on the earth” in terms of materials.
The costume design shows Chinese elements in a lively and bright style. In recent years, it has been popular among consumers in the fields of clothing, beauty cosmetics, cultural supplies, etc.
Jilin Bank Fruit Card is based on the four major national trends of "cherry, lychee, persimmon, and pomegranate" and takes the "natural lychee, "Stones work, everything goes smoothly, persimmons, cherry blossoms are available" are homophonic. It adopts a creative design in the traditional gongbi style, and perfectly presents the product concept to users through techniques such as shells, film, embossing, bronzing, and bronzing. You can apply for a limited time from New Year's Day to Spring Festival. In one month of "good start", the cumulative number of imported items exceeded 300,000. Dongguan Rural Revitalization
Regional characteristics are also the preferred design element for many banks.
For example, Bank of Beijing's China UnionPay Express themed unbounded credit card chooses Beijing's iconic ancient building Temple of Heaven as the main element to highlight the regional cultural attributes of Bank of Beijing; the revitalized Kunlun Kaka organically integrates the six elements of starry sky, earth, mountains, grasslands, rivers, and high-speed rail. Demonstrating the national welfare of "prosperity, democracy, civilization, harmony, and beauty" and the vigorous and energetic Kunlun spirit; the creative design of Fudian Bank Youth Unbounded Credit Card is based on the culture of Yunnan ethnic minorities, combining Yunnan ethnic minority silverware and youth Combining creativity and inheriting national culture and history. Previously, we took stock of “Excellent Credit Cards” in 2023 (1): How to create credit card products with regional characteristics? It has also been sorted out, so I won’t go into details here.
The bright and fresh illustration style is also a popular form on the market, especially in credit card products with green, youthful and energetic themes.
The Postal Savings Bank of China’s green and low-carbon theme credit card is decorated with green natural elements in the form of illustrations, reflecting the theme that green makes life better. The green and low-carbon credit card of Bank of Jiangsu also adopts a fresh and concise design style, highlighting the theme elements of green and earth. The face of Chongqing Nongshang Jiangyu Credit Card and Green Financial Card uses the growth rings of a tree to symbolize the earth, showing the theme of low-carbon and energy-saving.
The Bank of Guangzhou Xiaolan Friends Co-branded Card is based on the diversified and youthful IP brand "Xiaolan and His Friends" and integrates into segmented scenarios such as eating, drinking, playing, food, clothing, housing and transportation, and provides optional card versions Value-added services. There are 7 card versions for users to choose from, and users can customize the card version by matching patterns and background colors. The Shengjing Bank Bright Card 3354 Four Seasons Series focuses on young customers’ pursuit of “good looks” and takes “flowers in spring and moon in autumn, cool breeze in summer and snow in winter” as the design concept. There are four card sets for spring, summer, autumn and winter, with delicate and warm pictures.
Some banks started their credit card business early, and some representative products have a good customer base and have high recognition and loyalty among consumers. In order to continuously improve customer experience, products will be periodically upgraded based on market changes and business strategies. The update of the card surface is also an important part, which plays an important role in consolidating emotional connections and awakening brand memory.
The Hello Kitty Credit Card of China Merchants Bank is a credit card of China Merchants Bank.
The number one card brand for women, in the process of overall product renewal, the card surface adopts an original design, using a multi-faceted diamond pattern to interpret the shining Hello Kitty, and the iconic bow element is integrated into the classic logo. Different color blocks are embellished in the picture to create the colorful light of the diamond cutting surface, which symbolizes "every side of you shines with a different light", triggering the mental excitement of customers, adding freshness to the market, and helping women gain customers. In addition, China Merchants Bank Credit Card has also exclusively customized IP peripheral products, such as Hello Kitty round cake bags, keychains and thermos cups.
On the occasion of the 20th anniversary of the issuance of Guangfa True Love Card, Guangfa Bank launches a new upgraded version - Guangfa Bank True Love Star Diamond Series Credit Card, targeting white-collar women who have upgraded their social status and spending power, focusing on "online shopping, "Beauty, Sharing" customer needs, focusing on high points for online shopping, redeeming all points for big-name beauty products, meal ticket rights, supporting diamond-encrusted commemorative cards, self-selected commemorative accounts and other activities. Once the product was launched, it awakened the brand memory of "GF Card True Love Card" among tens of millions of old customers, further consolidating its market position as "women's first choice of GF True Love Card".
According to incomplete statistics, there are currently more than 170 banks issuing credit cards in my country. Credit card products with different positions have different rights and functions. The colorful and diverse card faces add a bright color to the development of the industry. . With the advancement of technology and technology, various themes such as cultural symbols, trendy IP, local customs, and public welfare sentiments have emerged on the face of credit cards, which not only meets the multi-dimensional differentiated needs of cardholders, but also achieves emotional value. of transmission. One card, one world, one credit card is not only a tool for payment settlement and consumer credit, but also carries the bank’s concept of inclusive financial services and people’s expectations for a better life. In the context of actively promoting consumption and smoothing internal circulation, my country's credit card industry will also usher in more development opportunities. Related Q&A: How to repay the credit card of Fudian Bank
Users can repay the credit card of Fudian Bank in the following ways:
1. Repay at an outlet. Users can go to the business hall of Fudian Bank to repay.
2. Transfer money through ATM machine. Users can go to an ATM machine to handle transfer and repayment.
3. Bind savings account for repayment. Users can bind their credit cards to their savings cards, and money will be automatically deducted from their savings cards every month.
4. Use WeChat to repay. The user binds the credit card to the WeChat account, enters WeChat, clicks "Me-Payment-Wallet-Credit Card Repayment" and then handles the repayment business.