Industrial Gold Card is a joint IC debit card of Industrial Bank and JD Finance, which conforms to PBOC3.0 standard. Based on the concept of "inclusive finance, Serving People's Livelihood", it integrates the superior products and services of both parties in wealth management and Internet finance, and provides cardholders with financial services and facilities that integrate the functions of bank card, JD.com vault, balance management, balance payment and JD.com membership. The card itself has various functions of a standard debit card, and its biggest feature is that after the customer signs a contract with Jingdong Finance, the card has the functions of balance financing and balance payment. Among them, balance financing refers to the part of the joint-name card current account with available funds exceeding 65,438+0,000 yuan, which is automatically transferred to Jingdong Small Treasury at regular intervals every day (the daily transfer limit is 50,000 yuan), and the associated Xingxinbao Monetary Fund is subscribed to enjoy the income brought by the monetary fund far higher than the current deposit. Balance payment means that when a co-branded card makes ATM withdrawal, POS consumption or quick payment, if the balance is insufficient, it will automatically initiate fund redemption to complete the payment. Customers can also flexibly transfer money manually from Jingdong Small Treasury according to their own needs.

What are the main functions of JD.COM Xingye Gold Card?

1. Intelligent financial management has the functions of high income threshold, low balance management and balance payment: as long as the available balance of funds in the current account in the co-branded card exceeds 1000 RMB, it can be automatically transferred to the Jingdong small vault at regular intervals every day to subscribe for the associated Xingxinbao monetary fund and enjoy the income far higher than the current deposit.

2. Pay in online and offline scenarios to realize the interoperability between bank debit card current account and Jingdong small treasury account. Whether you spend money in online scenes such as JD.COM Mall or pay in offline scenes such as ATM, POS and express payment, customers don't need to manually transfer funds from the current account of bank debit card to the account of Jingdong Small Treasury, and the co-branded card can be automatically handled for customers.

3. A number of fee reductions and exemptions.

(1) Free card fee and small account management fee for co-branded cards.

(2) Co-branded cards are exempt from the SMS service fee of Elf Messenger.

(3) Co-branded cards are free of handling fees for transfer transactions in online banking, mobile banking, telephone banking and other electronic channels of Industrial Bank.

(4) There is no handling fee for the first five withdrawals of domestic inter-bank ATM for co-branded cards every month.

(5) Co-branded cards are exempt from handling fees for depositing and withdrawing money and checking the balance of demand deposits at the counter of networking institutions of Industrial Bank's banking platform.

4. Double membership rights and benefits, double courtesy, Industrial VIP value-added service rights, becoming a platinum-level and above co-branded card customer of Industrial Bank, can enjoy accumulated points in Industrial Bank according to comprehensive financial assets, and enjoy exclusive value-added services such as physical examination and airport VIP lounge with points.

5. Jingdong membership rights and interests

(1) A monthly consumption package of not less than 168 yuan (including free freight coupons, credit card coupons, and shopping coupons of all categories in the mall; The above coupons can be used in combination with Beijing coupons and East coupons), and the term is not less than 1 year. (2) Birthday gift (giving a certain amount of JD.COM gold coins) (3) Exclusive redemption (JD.COM gold coins are exchanged for vouchers).