Summary of online application channels for debit cards in mainland China (including physical cards and virtual cards)

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中国大陆借记卡网申通道小结（含实体卡、虚拟卡）

foreword

Due to the promotion of the card breaking action, many people have encountered problems such as being unable to apply for a debit card or reducing the limit of the card. At this time, you can consider using the online application for a virtual card or a physical card (type 1 or 2), and then going to the counter for an interview, activation, upgrade, and limit release will be easier.

Of course, if you are asked why you want to apply for a type of card, and why do you lift the limit, it is recommended to give priority to

  1. Investment and wealth management (funds, time deposits), domestic securities
  2. salary
  3. social security medical insurance
  4. Overseas shopping (PayPal, etc.), overseas securities, futures, precious metals
  5. foreign exchange purchase
  6. home loan, car loan

Avoid telling the following uses as primary uses

  1. Used to bind Alipay and WeChat
  2. Alipay, WeChat and other platforms to withdraw cash
  3. parent friend transfer
  4. Send and receive red packets
  5. Consumer loan, pheasant loan
  6. Payment and settlement (such as XX pheasant payment platform withdrawal)

List of online application cards shared by netizens

  1. Bank of Communications: (Bank of Communications applet – custom debit card), mail, DIY card face
  2. Postal Savings Bank: (Postal Savings Bank of China-Finance-More Financial Functions-Customized Savings Card), mail, DIY card face
  3. China CITIC Bank: ①(China CITIC Bank-My Wallet-Bank Card Supermarket-Post Card), post, DIY card face ②Clover Platinum Card: CITIC Happiness-Making Money Center-Apply for Debit Card ③JD Co-branded Card: JD.com APP-My Wallet-Total Assets Small Gold Card ④Other card face: China CITIC Bank-My Wallet-Bank Card Supermarket
  4. Chongqing Rural Commercial Bank: (software Chongqing Rural Commercial Bank – the bottom of the home page – custom debit card), mail, DIY card face
  5. Hengfeng Bank: (Hengfeng Bank-Services and Activities-Customized Savings Card), mail, DIY card face
  6. Qishang Bank: (Qishang Bank-Weixiao-I want to apply for a card-DIY debit card), mail, DIY card face
  7. China Construction Bank: Find it in yin, the card face is the yellow dragon, get the card at the outlet
  8. ICBC: (ICBC Customer Service – Smart Finance – Apply for Savings Card), by post
  9. China Merchants Bank: ① (China Merchants Bank – Wealth – Savings Card Application), get the card at the outlet ② Search Banan on the China Merchants Bank APP, there will be a Banan Great Health Card, which is limited to apply in Chongqing area
  10. Ping An Bank: (Software Ping An Bank – search air counter – debit card family portrait), get the card by mail/outlet [no physical card is required, credit card cannot be returned without interview]
  11. Minsheng Bank: ①Jingdong APP-My Wallet-Total Assets Small Gold Card② (China Minsheng Bank-Account-I want to open an account-Reply according to the prompt), by mail
  12. Bank of China: (Bank of China Shanghai Branch – Search for historical news – Liling/Neirenzai/Luo Tianyi), by post
  13. China Guangfa Bank: Software Guangfa Bank – American Express, by post
  14. Industrial Bank: (Industrial Bank – reply debit card – follow the prompt to apply), mail
  15. Shanghai Pudong Development Bank: Software Pudong Development Bank can open 2 types of cards to apply for the distribution of physical cards

Others in the bank WeChat public account, App generally may have strange card application entrances.

Online card application list for personal experience/testing

  1. Shanghai Pudong Development Bank, UnionPay QuickPass – UnionPay Unbounded Card – Shanghai Pudong Development Bank Unbounded Debit Card [No physical card is required, credit card can be returned without interview]
  2. For China Guangfa Bank, you can open a virtual second-class account online with the China Guangfa Bank App/Discover Wonderful App.
  3. Postal Savings Bank, use the Postal Savings Bank App-theme card area, you can open a virtual second-class account online, you can add a physical card [easy non-counter]
  4. Xingye and GF Express debit cards, check the entrance by yourself, these two are easy to be non-counter, limit
  5. CCB, with CCB App, you can open a second-class virtual account called e-account
  6. China CITIC Bank, a small white youth card previously held in JD Finance Youth Edition
  7. WeBank (Tencent), Mini Programs and Apps can be used. Note that we2000 and WeZhong Card are two products. We2000 does not support App control, and this card does not support Ali products.
  8. MYbank (Ali), Alipay/MYBank App can be used, please note that this card is not a UnionPay card, it can only be used within Alipay
  9. China Merchants Bank and Bank of Ningbo, saw UnionPay QuickPass – UnionPay Unbounded Card is available, but Bank of Ningbo cannot open it (the App also seems to limit the service area)
  10. Minsheng Bank and China CITIC Bank, Jingdong Financial App, search for the small gold card, it is the small gold card of Minsheng and CITIC (JD.com co-branded card)
  11. Minsheng Bank, Xiamen International Bank, JD Finance App, search for digital small gold cards, there are 3 types of virtual cards by default
  12. Guangfa/Nanjing/Ningbo Bank, Yipay App-My-Bank Card-Bank Electronic Account-Apply for a new account, currently the industry and commerce and agriculture are under maintenance
  13. Postal Savings Bank, Meituan App-My-My Wallet-Co-branded Savings Card
  14. Bank of China Shanghai Branch, there are applications for Luo Tianyi, Monet and other cards in the WeChat public account

Of course, platforms such as digital renminbi, e-pay, cloud flash payment, Alipay, WeChat, QQ wallet and other platforms can also play the function of receiving and paying.

References

https://www.xiaohongshu.com/discovery/item/62d81ac4000000002103c83c

https://zhuanlan.zhihu.com/p/411361819

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