What is the difference between JD.com’s small gold card and ordinary savings card?

JD Industrial Bank’s Little Gold Card is a co-branded IC debit card that complies with the PBOC3.0 standard jointly created by Industrial Bank and JD Finance. It provides cardholders with a bank card and JD Little Gold Card. , balance financing, balance payment, JD membership and other functions into one financial service and convenience. The difference from ordinary savings cards is mainly reflected in the following aspects:

1. Smart financial management - it has both balance financial management and balance payment functions: as long as the available balance of the current account funds in the joint card exceeds RMB 1,000, You can automatically transfer it to Jingdong's small treasury at regular intervals every day, subscribe for the associated Xingxinbao currency fund, and enjoy income that is much higher than that of demand deposits. ?

2. Connect online and offline payments: realize the interoperability between bank debit card current account and JD.com account, whether it is consumption in online scenarios such as JD.com, or at ATM, POS, For payment in offline scenarios such as quick payment, customers do not need to manually transfer funds between the bank debit card current account and JD.com's small vault account. The co-branded card can automatically handle the process for the customer.

3. Multiple payment fee exemptions:

①. Co-branded cards are exempt from card production fees, small account management fees and annual card fees. (The annual fee is currently waived until September 30, 2018)?

②. The co-branded card is exempt from the Elf Messenger SMS service fee. ?

③. Co-branded cards are free of charge for transfer transactions through electronic channels such as Industrial Bank’s online banking, mobile banking, and telephone banking. ?

④. The first five domestic inter-bank ATM cash withdrawals of the co-branded card per month are free of handling fees.

⑤. Co-branded cards are free of charge for deposits, withdrawals and checking of current deposit balances at the counters of Internet institutions on the Industrial Bank UnionPay platform.

4. Double membership rights? Double benefits:

①. Bank rights: Xiaojin Card enjoys the rights and interests of Industrial Bank VIP value-added services and becomes a co-branded card of Industrial Bank Platinum and above. Customers can enjoy accumulated points based on their comprehensive financial assets in Industrial Bank, and use the points to enjoy exclusive value-added services such as medical examinations and airport VIP lounges. ?

②. Jingdong membership rights: a monthly consumption gift package of no less than 168 yuan (including free shipping coupons, phone recharge coupons, credit card coupons, and shopping coupons for all categories of the mall; the above coupons are Discounts can be stacked with the mall's Jingdong coupons and Dongdong coupons), and the duration is no less than 1 year; birthday gift (a certain amount of JD gold coins will be given as a gift); exclusive exchange of gold coins (JD gold coin discounts can be exchanged for vouchers).