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What kind of bank card is better for individuals in Harbin, such as convenient withdrawal, more discounts for citizens and so on.

In the local area, it is definitely the local commercial banks that offer the most discounts. Harbin bank card, I also use this card in other places myself.

1, there is no handling fee for inter-bank transfer, payment and cash withdrawal in different places.

2. If you have a tourist card, you can get a 20% discount on scenic spots. I wonder if there is one now.

3. There is no charge for SMS reminders. There are many free services. You need a list at the counter.

4. There is no handling fee for opening an account and no annual fee for handling a card.

Disadvantages: the statement should be printed at the counter with ID card. You can check it online. The service attitude is average. Some outlets are crowded. I usually use ATMs from other banks to access. There is no handling fee.