Different from the conventional bank debit card, the Jingdong Financial Gold Card of Industrial Bank has a unique "intelligent financial management" function.
After the customer opens a "small gold card" and signs a contract with JD.com, when the funds in the current account in the card exceed 1 1,000 yuan (excluding 1 1,000 yuan), the excess will be automatically transferred to the monetary fund associated with JD.com, providing cardholders 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 JD.COM "small vault account" without manual operation.
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