Taking a flower card is different from taking flowers.

Taking a flower card is different from taking flowers.

Huabai is a financial product of Qunar.com. The flower card is a physical object and a joint card issued in cooperation with the bank.

This kind of co-branded card belongs to the way of "borrowing cards to go offline". This novel model seems to have knocked on the door of poor consumption scenes of some third-party payment institutions. Payment institutions pay money, banks issue cards, and UnionPay goes offline. Payment institutions divert online consumption to offline and expand payment scenarios. Banks open more second-class accounts to earn fees. Tens of millions of unconnected POS offline traffic is more.