Different from conventional bank debit cards, Industrial Bank Jingdong Financial Gold Card has a unique intelligent financial management function. After a customer opens a small gold card and signs a contract with JD.com Treasury, when the funds in the current account in the card exceed 1 ,000 yuan (excluding 1 ,000 yuan), the excess will be automatically transferred to the monetary funds associated with JD.com Treasury to provide the cardholder with investment income higher than the deposit interest rate. When the cardholder makes transactions such as fast payment, domestic POS consumption or domestic ATM withdrawal, if the balance of the current account in the card is insufficient, the card will automatically redeem the difference from the Jingdong small vault account and complete the payment together with the balance of the current account, so that the account funds can be flexibly controlled between the bank current account and the Jingdong small vault account without manual operation.
JD.COM Xiaojinka takes inclusive finance and serving people's livelihood as its original intention. In addition to the above characteristics, the cardholders of the Industrial Bank Jingdong Financial Gold Card also enjoy many exclusive rights and preferential activities. For example, the short message service of Genie Messenger is free, the top five domestic inter-bank ATM withdrawals are free, and the credit card processing fee is free. , and you can enjoy the exclusive rights and interests of Jingdong Finance, including online consumption packages such as monthly consumption packages not less than 168 yuan, birthday gifts and exclusive JD.COM gold coin preferential exchange.