Is Tencent Micro Card the same as a credit card?

Tencent Micro Card is a credit card, which has the same functions as ordinary credit cards. The difference is that Tencent Micro Card is a credit card jointly issued by Tencent and the bank. At present, there are many banks that Tencent Micro Card cooperates with, such as Guangfa, Xingye and CITIC. And there are many kinds of cards to choose from, so you can choose according to your own needs. Tencent Jia Wei Credit Card is a comprehensive credit card service platform launched by Tencent United Bank, which provides users with brand-new credit card experience, products and services such as fast card handling, card face customization, right selection, point redemption, preferential subscription, consumption installment and bill management.

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1. Credit cards are generally credit cards with different rights and interests issued by Hefei Bank, and different rights and interests can meet the needs of different cardholders. In recent years, major banks have increased cooperation with different enterprises and will launch joint credit cards. Co-branded credit cards generally enjoy the rights and interests launched by enterprises as well as those launched by banks. Tencent Micro Card is a co-branded card. At present, Tencent micro-cards have six card faces and card types, which enjoy different rights and interests. Applicants can choose according to their own preferences and needs.

2. Tencent Micro Plus Card currently has four cooperative banks, and credit cards of different banks enjoy different rights and interests. For example, CITIC Bank and China Everbright Bank are exempt from annual fees for life, and all WeChat payment transactions have points. The difference is that CITIC can exchange 9 points for movie tickets, Starbucks coffee and flight delay insurance, while Everbright is a free SMS reminder and a 48-hour card loss guarantee.

3. Industrial Bank and Guangfa Bank are free of annual fees in the first year, and they need to spend enough times in that year to avoid free 80 yuan in the second year. Industrial Bank needs to spend 5 times and Guangfa needs to spend 6 times. Xingye provides the insured with aviation accident insurance of 6,543,800,000 yuan, while Guangfa provides cash back for consumption, with a maximum of 666 yuan. It can be seen that the benefits provided by Tencent Micro Plus Card launched by different cooperative banks are also different, and applicants need to choose according to their personal needs. Generally speaking, the benefits provided by joint credit cards are higher than ordinary credit cards, so joint credit cards can be preferred when applying for credit cards.