What are the advantages of Jin Yan card and bank card?

Jinyanka is a RMB magnetic stripe debit card that joined China UnionPay and was voluntarily entrusted by Henan Rural Credit Cooperative Association to apply for a unified brand. According to different issuers, it can be divided into two types: corporate card and personal card.

Jinyan Card has the functions of cash deposit and withdrawal (except corporate card), transfer and settlement, consumption and inquiry. It is a registered debit card with no overdraft function. The ownership of Jinyanka belongs to the rural credit cooperatives of counties (cities, districts) in Henan Province. The rural credit cooperatives of counties (cities, districts) are the subject of card issuance and legal relationship, and they are responsible for their own profits and losses and risks.

Jinyanka is exempt from deposit and withdrawal fees, card opening fees, annual fees and small account management fees in the province's rural credit cooperatives system, and enjoys consumption points. In addition, there are SMS notification services, special services of migrant workers' banks and rural credit banks.

According to the consumption amount on the POS machine, score according to the calculation formula of consumption points. With the password, cardholders can check their consumption points at the counter of any rural credit cooperative networking branch in Henan Province. According to the unified arrangement for redemption of consumption points of card issuers, you can redeem prizes at designated business outlets. Different consumption points correspond to different gifts. After exchanging prizes, the corresponding consumption points will be deducted. The use of POS cards only charges merchants.

Consumption points: refers to the use of POS and consumption in supermarkets and shopping malls.

Jin Yan Card has now opened online banking.