兴业银行股份有限公司信用卡中心
Industrial Bank's credit card center operates as the card-issuing business unit of Industrial Bank Co., Ltd. (Shanghai Stock Exchange: 601166), issuing platinum, standard, themed, co-branded, and corporate credit cards to individual consumers and corporations across more than 60 mainland Chinese cities.
- Company typePrivate
- Founded-
- HeadquartersShanghai, China
- Headcount101–250
- GTM typeB2C
- OfferingServices
What 兴业银行股份有限公司信用卡中心 does
Industrial Bank Credit Card Center is the dedicated credit card business unit of Industrial Bank Co., Ltd. (Shanghai Stock Exchange ticker: 601166), a major Chinese joint-stock commercial bank. The unit issues and operates a multi-tier credit card portfolio — platinum, standard, themed, co-branded, and corporate cards — serving individual consumers and corporate clients across more than 60 mainland Chinese cities. Distribution is dual-channel: the parent bank's national branch network plus direct-to-consumer digital channels including an online application portal, the Xingye Life (兴业生活) mobile app, the Hao Xing Dong (好兴动) companion app, a WeChat official account, and a paid referral program.
The card platform is built on IC chip technology with single-chip dual-application (一芯双应用, PBOC/EMV) capability, supporting both domestic RMB and overseas foreign-currency transactions on a single card with original-currency settlement abroad. Cards enable contactless payment via UnionPay QuickPass and bind to major mobile wallets — Apple Pay, Huawei Pay, Mi Pay, Samsung Pay, Meizu Pay, plus WeChat Pay and Alipay for QR and in-app payments. The unit supports a broad installment suite (automatic, bill, consumption, cash, merchant, bulk, and online-pay installments) and a points program that redeems for airline miles (Xiamen Air, China Eastern, Juneyao, China Southern, Air China, HNA, Cathay Pacific), gifts, charitable donations, and annual fee waivers. Co-branded partnerships span aviation, entertainment (iQiyi, Taobao, Mango TV, Tencent Video), department stores, and lifestyle segments.
Revenue is generated through annual fees scaled by card tier (RMB 80 for standard cards, RMB 200 for gold, RMB 500–2,600 for platinum), merchant interchange, foreign-transaction fees (typically 1.5%, waived on some products such as the UEFA Champions League card), revolving-credit interest income, cash advance fees, and cross-selling of insurance and travel via partner alliances. The unit has actively refreshed its portfolio in 2024–2025 with a Mastercard single-logo upgrade, the new China Mastercard, and a youth-focused Xingye Life X+ edition, while retiring underperforming co-brands (Jiangxi Unicom, Kola Hand Ring, Mango Travel, Cool Dog Music, Mengniu, Suning Easy Buy) in 2020 and 2023.
兴业银行股份有限公司信用卡中心 firmographics
Firmographics- Name
- 兴业银行股份有限公司信用卡中心
- Legal name
- 兴业银行股份有限公司信用卡中心
- Website
- https://creditcard.cib.com.cn
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Industrial Bank's credit card center operates as the card-issuing business unit of Industrial Bank Co., Ltd. (Shanghai Stock Exchange: 601166), issuing platinum, standard, themed, co-branded, and corporate credit cards to individual consumers and corporations across more than 60 mainland Chinese cities.
- Ownership category
- akta.pro rank
兴业银行股份有限公司信用卡中心 industry classification
Industry- Product category
- Consumer Credit Cards
- NAICS
- Credit Card Issuing (522210)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Business / Corporate Credit Cards (FSAKABAF)
- akta.pro secondary industries
- Co-Branded Credit Card Partnerships (Issuers/Networks) (THABAKAD), Cross-Border Card-Based Transfers & Multi-Currency Cards (FSAGAKAE), International / Global Card Schemes (FSAMAAAD)
Keywords
Where 兴业银行股份有限公司信用卡中心 is headquartered
LocationHeadquarters
- HQ city
- Shanghai
- HQ country
- China
- HQ region
- Asia
Offices3 records
Markets served
兴业银行股份有限公司信用卡中心 business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- 年费收入: Annual fees charged based on card tier: Platinum cards RMB 500-2600, Gold cards RMB 200, Regular cards RMB 80 per card. Many annual fee waivers available based on spending or installment volume.
- 交易手续费收入: Interchange fees from merchant transactions, cash advance fees, foreign transaction fees (typically 1.5% for foreign currency transactions), and installment interest income.
- 积分兑换及交叉销售: Revenue from interest on revolving credit, balance transfers, and cross-selling of insurance and travel services through co-branded partnerships.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | 钱大信用卡白金卡(精英版) - RMB 500/卡 |
| Subscription | Annual | 钱大信用卡金卡 - RMB 200/卡主卡, RMB 100/卡附属卡 |
| Subscription | Annual | QQ VIP信用卡 - RMB 80/卡标准卡, RMB 40/卡MINI卡 |
| Subscription | Annual | 人保财险联名信用卡白金卡(标准版) - RMB 2600主卡, RMB 1200附属卡 |
| Subscription | Annual | 人保财险联名信用卡白金卡(精英版) - RMB 500/卡 |
| Other | Pay-as-you-go | 境外交易汇兑手续费 |
| Other | Pay-as-you-go | 积分大富豪抽奖活动 |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
兴业银行股份有限公司信用卡中心 product offering
Product offeringCore offering
兴业银行股份有限公司信用卡中心 issues and operates Industrial Bank's consumer credit card portfolio, including Platinum, Standard, Themed, Co-branded, and Corporate card series under UnionPay, Visa, Mastercard, and American Express networks. It supports installment plans, revolving credit, cash advances, points/miles redemption, premium benefits (airport VIP, travel insurance up to RMB 10 million, roadside assistance), utility bill auto-pay, and is integrated with major mobile wallets. The unit serves individual consumers across mainland China and, for certain cards, overseas transactions.
Product overview
兴业银行信用卡中心 operates as a comprehensive credit card platform under Industrial Bank, offering multiple product lines: (1) Core Card Products - Platinum Card series (premium tier with travel insurance up to 10 million yuan, airport VIP, roadside assistance), Standard Card series (UnionPay/Visa/Mastercard/American Express brands), Themed Card series (youth, auto, lifestyle), Co-branded Card series (aviation partners including Xiamen Air/China Eastern/China Southern/Juneyao, entertainment partners including iQiyi/Taobao/Tencent/Mango TV/Sohu), and Corporate Card series; (2) Payment Technology - Mobile payment integrations including Apple Pay, Huawei Pay, Mi Pay, Samsung Pay, Meizu Pay, UnionPay QuickPass, WeChat Pay, and Alipay; (3) Financial Services - Installment products (Auto, Bill, Consumption, Cash, Merchant, Bulk Installment), Revolving Credit, Cash Advance, and Quick Cash loans; (4) Loyalty Program - Points accumulation and redemption including airline miles (China Eastern, HNA, China Southern, Air China, Cathay Pacific), gift exchange, and annual fee redemption; (5) Premium Benefits - Airport VIP lounges, 24-hour roadside assistance, travel insurance, car rental privileges, and health checkup services.
Differentiator
Problem solved
Functional benefit
Brands
- 好兴动APP: 兴业银行信用卡官方移动应用程序，用于积分兑换、抽奖活动等
Products and services
- Platinum Card Series (白金卡系列) Premium credit card series offering high-tier benefits including airport VIP services, travel insurance up to RMB 10 million, roadside assistance, and car rental discounts across Standard, Premium, and Elite versions. Includes Platinum cards at RMB 500–2,600 annual fee.
- Standard Card Series (标准卡系列) Standard credit card products available under UnionPay, Visa, Mastercard, and American Express brand networks, including the Xingfu Long Standard Card and Wukesada Valiant Contract Card, with regular RMB 80 annual fee per card.
- Themed Card Series (主题卡系列) Themed credit card products targeting specific lifestyle segments including youth (Xingye Life Card X+ Youth Edition), automobile owners, Green Low-Carbon, Star Night Zodiac, PASS, and Valiant Power Card.
- Co-branded Card Series (联名卡系列) Co-branded credit card partnerships across aviation/travel (Xiamen Air, China Eastern, Juneyao Air, China Southern), lifestyle (Taobao, iQiyi, Mango TV, Sohu Video, Tencent Video), department store categories, and auto (Sinopec 兴油卡).
- Corporate Card Series (单位卡系列) Corporate/business credit card products including Visa Commercial Procurement Card (Standard Government Card) and Mastercard Business Travel Card (Personal Government Card), issued for business expense and procurement use.
- 万事达无畏契约信用卡 (World Brave Contract Mastercard Credit Card) UEFA Champions League-themed Mastercard Platinum card with fee-free foreign-currency exchange and one-chip dual-application (PBOC/EMV) technology for domestic and overseas RMB transactions.
- 兴业生活信用卡X+青年版 (Xingye Life Credit Card X+ Youth Edition) Youth-focused credit card targeting young adult consumers with benefits tailored to modern digital lifestyle.
- 钱大信用卡 (Qianda Credit Card) Branded credit card offering auto-owner benefits including RMB 10 million public transportation accident insurance, 24-hour roadside assistance, airport VIP lounge access (2 free visits annually), and car rental privileges for Platinum Elite version. Gold card includes RMB 2 million flight insurance.
- Installment Payment Services (分期业务) Installment services for credit card transactions including Auto Installment (automatic, discontinued June 2024), Bill Installment, Consumption Installment, Cash Installment, Merchant Installment, Bulk Installment, and Exclusive Installment.
- Revolving Credit (循环信用) Revolving credit facility allowing cardholders to carry balances forward with interest charges on outstanding amounts.
- Cash Advance (预借现金) Cash advance service allowing cardholders to withdraw cash against their credit limit through ATM, phone, mobile banking, or online channels.
- Points Program (积分计划) Points accumulation and redemption program allowing cardholders to earn points on spending and redeem for gifts, airline miles (Donghai, HNA, China Southern, Air China, Cathay Pacific), annual fee waivers, and charitable donations.
- Premium Benefits (精彩权益) Premium benefits program offering Platinum and Gold cardholders access to airport VIP lounges, travel insurance, roadside assistance, car rental discounts, and health checkup services.
- Utility Bill Auto-Pay (代扣代缴) Utility bill payment services allowing automatic or manual payment of electricity, water, gas, telecom, and other public utility bills through credit card recurring payments, including partnerships with Fujian Power, Fujian Expressway, Shanghai Public Utilities, and Nanchang Water.
Quantifiable outcome
- 地区优惠活动覆盖全国60余个城市
- +1 more outcomes
Companies that use 兴业银行股份有限公司信用卡中心
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
兴业银行股份有限公司信用卡中心 technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature3 records
兴业银行股份有限公司信用卡中心 partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core and minor.
- 携程旅行网core兴业银行与携程旅行网合作开展商旅预订积分回馈活动，客户通过携程预订机票酒店可享受多倍信用卡积分回馈，国内国际机票每满1000元可获1500积分，酒店预订可获10倍积分。
- 艺龙旅行网core兴业银行与艺龙旅行网共建商旅预订平台，提供酒店、机票预订服务，并开展多倍积分回馈活动，国内酒店最高50倍积分回馈。
- 福建省电力有限公司minor合作提供福建省内电费代扣代缴服务，客户可使用兴业信用卡缴纳电费账单，无需额外手续费。
- 福建省高速公路有限责任公司minor合作提供福建省内高速公路通行费代扣业务，通过闽通卡绑定信用卡实现自动扣缴通行费。
- 厦门航空有限公司core联合发行厦门航空白鹭联名信用卡，专为航空常旅客设计，提供航空里程累积等专属权益。
- 中国东方航空股份有限公司core联合发行东方航空联名信用卡，提供航空里程累积和商旅增值服务。
- 中国国际航空股份有限公司core联合发行南航明珠信用卡等多款航空联名卡产品。
- 中国石化销售有限公司广东石油分公司core合作发行中石化联名信用卡(兴油卡)，提供加油卡充值和加油优惠服务，通过兴油宝APP管理充值。
- 上海付费通信息服务有限公司minor合作提供上海地区公用事业费代缴服务，包括水、电、煤、通信等账单缴费。
- 上海长寿国际旅行社有限公司minor作为商旅业务服务商提供机票预订服务，合作开展商旅积分回馈活动。
- 中国人民财产保险股份有限公司上海市分公司core合作提供指定信用卡持卡人的公共交通工具意外保险和航空快乐旅行保险，最高保额1000万元，保障持卡人及同行配偶、未成年子女。
- 苏宁易购core联合发行苏宁易购联名信用卡，提供购物优惠和积分回馈。
- 北京爱奇艺科技有限公司core联合发行爱奇艺联名信用卡，提供视频会员权益和消费优惠。
- 江西洪城水业股份有限公司minor合作提供南昌地区水费代缴业务。
- HRS酒店预订平台minor合作开展酒店预订25倍积分回馈活动。
- 广之旅旅行社minor合作开展境外旅游团费满千减百优惠活动，最高立减3000元。
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
兴业银行股份有限公司信用卡中心 competitors and assessment
Company assessmentBroad incumbents
- China Construction Bank Credit Card Center: CCB's credit card center is among China's largest by cards in force. Broad incumbent peer offering similar platinum/standard/instalment products but with much larger distribution and balance-sheet capacity.
- Bank of Communications Credit Card Center: BOCOM operates a sizable credit card business with strong installment positioning. State-owned commercial bank peer offering overlapping products, with broader resources than joint-stock peers.
- ICBC Credit Card Center: ICBC operates the largest credit card portfolio in China. Broad incumbent offering overlapping products but at vastly larger scale and distribution breadth, with deeper resources for acquisition and rewards.
Direct peers
- CITIC Bank Credit Card Center: CITIC Bank's credit card business offers similar platinum/standard/themed/co-branded products with major airline and lifestyle partners. Competes head-to-head in the joint-stock commercial bank segment with overlapping target customers.
- China Everbright Bank Credit Card Center: CEB's credit card center offers similar platinum/standard card products with installment and co-branded options. Direct peer in the joint-stock bank segment targeting comparable mass-affluent and lifestyle segments.
- China Minsheng Bank Credit Card Center: Minsheng Bank's credit card division delivers comparable consumer and corporate card products across platinum, standard, and themed tiers. Direct competitor in the joint-stock commercial bank segment.
- Ping An Bank Credit Card Center: Ping An Bank's credit card center offers comparable products with strong installment and consumer finance emphasis, plus digital distribution. Direct peer leveraging similar partnership-led acquisition and engagement model.
- China Merchants Bank Credit Card Center: China Merchants Bank operates the leading credit card franchise in China with comparable multi-tier offerings (standard, gold, platinum), extensive co-branded airline partnerships, and installment products — the most directly comparable joint-stock bank peer by scale and product breadth.
- Shanghai Pudong Development Bank Credit Card Center: SPDB's credit card division provides comparable revolving credit, installment services, and co-branded partnerships. Direct competitor in the same joint-stock bank tier with similar geographic and demographic reach.
Emerging players
- Ant Group (Huabei / Alipay consumer credit): Ant Group's Huabei product competes directly with credit cards for everyday consumer credit and revolving payment behavior. Digital-native emerging player with partial overlap, particularly among younger urban consumers.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks4 records
Key highlights7 records
Customer concentration
兴业银行股份有限公司信用卡中心 social profiles
Digital presence兴业银行股份有限公司信用卡中心 financial estimates
Financial estimateRevenue estimate
Valuation estimate
兴业银行股份有限公司信用卡中心 leadership team
Management profileNumber of profiles
兴业银行股份有限公司信用卡中心 funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
兴业银行股份有限公司信用卡中心 M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about 兴业银行股份有限公司信用卡中心
What does 兴业银行股份有限公司信用卡中心 do?
兴业银行股份有限公司信用卡中心 issues and operates Industrial Bank's consumer credit card portfolio, including Platinum, Standard, Themed, Co-branded, and Corporate card series under UnionPay, Visa, Mastercard, and American Express networks. It supports installment plans, revolving credit, cash advances, points/miles redemption, premium benefits (airport VIP, travel insurance up to RMB 10 million, roadside assistance), utility bill auto-pay, and is integrated with major mobile wallets. The unit serves individual consumers across mainland China and, for certain cards, overseas transactions.
Is 兴业银行股份有限公司信用卡中心 a public or private company?
兴业银行股份有限公司信用卡中心 is a private company. It is classified as corporate owned and is currently operating.
When was 兴业银行股份有限公司信用卡中心 founded?
兴业银行股份有限公司信用卡中心 was founded in -1. It employs 101 to 250 people.
Where is 兴业银行股份有限公司信用卡中心 based?
兴业银行股份有限公司信用卡中心 is headquartered in Shanghai, China, in the Asia region.
How does 兴业银行股份有限公司信用卡中心 make money?
Three revenue lines are on record. 年费收入 is the primary driver. The others are 交易手续费收入 and 积分兑换及交叉销售.
Who are 兴业银行股份有限公司信用卡中心's main competitors?
Broad incumbents on record are China Construction Bank Credit Card Center, Bank of Communications Credit Card Center and ICBC Credit Card Center. Direct peers are CITIC Bank Credit Card Center, China Everbright Bank Credit Card Center, China Minsheng Bank Credit Card Center, Ping An Bank Credit Card Center, China Merchants Bank Credit Card Center and Shanghai Pudong Development Bank Credit Card Center. Ant Group (Huabei / Alipay consumer credit) is listed as an emerging player.
Does 兴业银行股份有限公司信用卡中心 have an API?
No public API is recorded for 兴业银行股份有限公司信用卡中心.
What industry is 兴业银行股份有限公司信用卡中心 in?
兴业银行股份有限公司信用卡中心's product category is Consumer Credit Cards. Its primary akta.pro industry code is FSAKABAF, Business / Corporate Credit Cards, with a secondary code of THABAKAD, Co-Branded Credit Card Partnerships (Issuers/Networks). Its NAICS code is 522210 and its SIC code is 6141.