中信银行股份有限公司
CITIC Bank Credit Card Center issues and manages a diversified credit card portfolio for Chinese consumers across platinum, co-branded travel, automotive, and senior segments, distributed through digital channels, branch network, and major card networks, generating revenue from interest, fees, and interchange.
- Company typePublic
- Founded2002
- HeadquartersShenzhen, China
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What 中信银行股份有限公司 does
CITIC Bank Corporation Limited is a state-backed Chinese commercial bank listed on the Shanghai Stock Exchange (ticker: 601998) and a subsidiary of CITIC Group Corporation. The Credit Card Center, headquartered in Shenzhen's Futian District at Fuhua Yi Road 121, was established in late 2002 through cooperation between CITIC Bank headquarters and CITIC Ka Wah Bank, and was approved by the China Banking Regulatory Commission in December 2007 as one of the first branch-level credit card specialized institutions in China. The center serves individual consumers across mainland China with a portfolio of platinum, gold, and standard credit cards issued through all five major card networks (UnionPay, Visa, Mastercard, JCB, American Express), supported by a digital platform built around the proprietary "动卡空间" mobile app, an official WeChat account, an Alipay service channel, and over 20 regional branch centers.
The product suite includes the standard platinum (颜·标准白金信用卡), i白金 entry platinum, Marriott Bonvoy co-branded cards, Visa逍遥卡, Air China Phoenix Miles, China Southern Airlines Pearl, automotive i车Pro, and the senior-focused 幸福年华 card, plus installment products (账单分期), cash advances, and a 36+1 lifestyle benefits program covering airport lounges (1,500+ locations globally), golf, spa, hotel stays, medical appointment booking, and travel insurance. Technology components include Face++ biometric authentication, NFC contactless payment (Quick Pass under 1,000 yuan), Apple Pay and Huawei Pay integration, OCR-based ID capture, and SDK integrations with all major Chinese device push notification services and the three state telecom carriers for one-click authentication.
Revenue is generated through interest income on revolving balances at 12.775%–18.25% APR, tiered annual fees ranging from fee-free basic cards up to 3,600 yuan for the highest platinum tier, merchant interchange, installment processing fees, cash advance fees, and value-added services including insurance agency and points redemption. The center achieved break-even within three years of launch (December 2006), reached 10 million cumulative cards in May 2010 and 20 million by October 2013, and currently employs approximately 3,991 staff. Customer acquisition runs through direct-to-consumer digital channels, dedicated platinum sales hotlines, branch-based corporate card sales, and co-branded marketing partnerships with platforms such as JD.com, Meituan, and Ctrip.
中信银行股份有限公司 firmographics
Firmographics- Name
- 中信银行股份有限公司
- Legal name
- 中信银行股份有限公司
- Website
- https://creditcard.ecitic.com
- Company type
- Public
- Founded year
- 2002
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- CITIC Bank Credit Card Center issues and manages a diversified credit card portfolio for Chinese consumers across platinum, co-branded travel, automotive, and senior segments, distributed through digital channels, branch network, and major card networks, generating revenue from interest, fees, and interchange.
- Ownership category
- akta.pro rank
中信银行股份有限公司 industry classification
Industry- Product category
- Credit Card Services
- NAICS
- Credit Card Issuing (52221), Commercial Banking (52211)
- SIC
- National Commercial Banks (6021), Personal Credit Institutions (6141)
- akta.pro primary industry
- Credit Cards & Revolving Credit (FSABAAAC)
- akta.pro secondary industries
- Business / Corporate Credit Cards (FSAKABAF), Co-Branded Credit Card Partnerships (Issuers/Networks) (THABAKAD), Private-Label & Store Card Schemes (FSAMAAAE)
Keywords
Where 中信银行股份有限公司 is headquartered
LocationHeadquarters
- HQ city
- Shenzhen
- HQ country
- China
- HQ region
- Asia
Offices19 records
Markets served
中信银行股份有限公司 business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Interest Income: Primary revenue from revolving credit balances on credit cards. Interest rates range from 0.035% to 0.05% daily (12.775% to 18.25% annual percentage rate), charged on outstanding balances not paid in full.
- Annual Fees: Recurring annual fee revenue from platinum and premium card tiers. Platinum card annual fees range from 480 yuan (精英级) to 3600 yuan (尊尚级), with fee-free options for basic cards.
- Transaction Interchange Fees: Revenue from merchant discount rates (MDR) on card transactions processed through UnionPay, Visa, Mastercard, JCB, and American Express networks.
- Cash Advance Fees: Fees from cash extraction and transfer services, with daily limits of 10,000 yuan (ATM) and 50,000 yuan (counter).
- Installment Processing: Revenue from bill installments, cash installments, and merchant installment plans (分期业务), including 账单分期, 高额分期, and 商户分期.
- Points Redemption &增值服务: Revenue from value-added services including insurance agency products, annual fee products, and loyalty point redemptions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | 尊尚级白金卡 (Premium Platinum) - Highest tier platinum card with maximum benefits |
| Subscription | Annual | 尊贵级白金卡 (Premium) - Mid-high tier with comprehensive benefits |
| Subscription | Annual | 精逸级白金卡 (Premium Lite) - Entry platinum tier |
| Subscription | Annual | 精英级白金卡 (Elite) - Entry-level platinum |
| Subscription | Annual | 普通卡/金卡 (Standard/Gold) - Basic tiers |
| Subscription | Annual | 幸福年华信用卡 (Senior Card) - Targeted at elderly customers |
| Other | Pay-as-you-go | Interest Rate Structure |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels10 records
中信银行股份有限公司 product offering
Product offeringCore offering
China CITIC Bank Corporation Limited, through its Credit Card Center, issues and services a diversified portfolio of consumer credit cards (standard, platinum, premium/infinite, airline and hotel co-branded, student, automotive and senior-focused) distributed via the proprietary 动卡空间 mobile app, website, WeChat and Alipay channels, and physical branches. The bank monetizes the portfolio through revolving credit interest, annual fees, merchant interchange, installment processing, cash advance fees, and value-added lifestyle services for cardholders.
Product overview
CITIC Bank Credit Card Center operates as a comprehensive credit card services platform offering a diverse portfolio of credit card products alongside a mobile banking application. The core offerings include multiple branded credit cards targeting different customer segments: standard platinum cards (颜·标准白金信用卡, i白金信用卡), co-branded travel cards (万豪旅享家精逸白金卡, 国航携程联名卡, 南航明珠信用卡, VISA逍遥卡), automotive cards (i车Pro银联i白金信用卡), and senior-focused cards (幸福年华信用卡). The mobile banking app (动卡空间APP) serves as the central platform for account management, transaction processing, loyalty rewards (9分享兑), and benefit access. Premium cardholders receive extensive add-on benefits including the 36+1新生活权益 lifestyle program (golf, fitness, airport lounges, hotels), travel insurance (航班延误险, 航空意外伤害保险), fraud protection (盗刷保障险), roadside assistance, medical appointment services, and access to the 友鱼积分商城 online mall. The product ecosystem integrates with major payment networks (UnionPay, Visa, Mastercard, American Express, JCB) and mobile payment platforms (WeChat Pay, Alipay, Apple Pay) to serve over 20 million cardholders across China.
Differentiator
Problem solved
Functional benefit
Brands
- 动卡空间: Mobile banking app for CITIC Bank credit card customers
- 颜卡
- 幸福年华信用卡
Products and services
- 动卡空间 Mobile App (DongKa Space) Official mobile banking application for CITIC Bank credit cardholders, providing card application, account management, transaction queries, bill payment, points and benefit redemption, lifestyle services, and customer support. Available on iOS, Android, and HarmonyOS.
- 中信银行颜·标准白金信用卡 (CITIC Yan Standard Platinum Credit Card) Standard platinum credit card offering up to 50 days interest-free repayment, lifestyle benefits, and entry-level platinum privileges for individual consumers.
- 中信银行银联标准信用卡（白金卡-银杏）(CITIC UnionPay Standard Platinum - Ginkgo) Premium platinum UnionPay card providing 36+1 lifestyle benefits, family health services, flight delay insurance up to 2,000 yuan, airport lounge access, and points-based annual fee waivers for individual premium cardholders.
- 中信银行i白金信用卡 (CITIC i Platinum Credit Card) Entry-level platinum credit card offering 2-hour flight delay insurance coverage up to 1,000 yuan and core platinum privileges for individual consumers.
- 中信银行万豪旅享家®精逸白金卡 (CITIC Marriott Bonvoy Premium Platinum) Co-branded hotel credit card with Marriott Bonvoy offering 10:1 Marriott points accumulation ratio on qualifying transactions for individual frequent travelers.
- 中信银行悦卡 (CITIC Yue Card - Gold and Platinum) Points-focused credit card available in Gold and Platinum tiers offering up to 8x points on eligible transactions for individual consumers seeking rewards velocity.
- 中信银行VISA逍遥卡（白金卡）(CITIC Visa Xiaoyao Platinum) Visa-branded platinum credit card offering 2x points on overseas spending, free first-year application for new cardholders, and international travel benefits for individual consumers.
- 中信银行VISA逍遥白金信用卡（少年行版）(CITIC Visa Xiaoyao Student Edition) Student-focused Visa international credit card tailored for overseas education, providing travel benefits and spending rewards for young individual consumers.
- 中信银行国航携程联名卡 (CITIC Air China Ctrip Co-branded Card) Co-branded credit card with Air China and Ctrip offering cashback on flight bookings and travel services for individual frequent travelers.
- 中信银行南航明珠信用卡 (CITIC China Southern Airlines Pearl Credit Card) Co-branded airline credit card with China Southern Airlines offering dual card benefits and premium travel experience for individual frequent flyers.
- 中信银行幸福年华信用卡 (CITIC Happiness Senior Credit Card) Senior-focused credit card offering health checkup benefits via iKang Guobin, travel discounts with 广之旅, jewelry cashback at Chow Tai Fook and Lukfook in Hong Kong/Macau, and dedicated customer care services for individual consumers aged 50+.
- 中信银行i车Pro银联i白金信用卡 (CITIC iCar Pro UnionPay i Platinum) Automotive-focused platinum credit card offering exclusive benefits, insurance, and roadside assistance services for individual car owners.
- 中信银行万事达i白金卡 (CITIC Mastercard i Platinum) Mastercard-branded platinum credit card providing international spending benefits and cashback promotions for individual consumers.
- 中信银行信用卡9分享兑 (9-Share Points Redemption Program) Points-based redemption program allowing cardholders to exchange accumulated 权益 points for gifts, vouchers, and privileges through the 动卡空间 mobile app.
- 账单分期 (Bill Installment Service) Installment payment service enabling cardholders to convert outstanding balances into manageable monthly payments with flexible tenure, covering bill installment, high-amount installment, cash installment and merchant installment plans.
- 友鱼积分商城 (YouYu Points Mall) Online shopping mall where cardholders can redeem accumulated points and use card benefits to purchase merchandise and gifts.
Quantifiable outcome
- Profitable in 3 years - shortest time among Chinese credit card centers
- +3 more outcomes
Companies that use 中信银行股份有限公司
Customer profileSegments5 records
Ideal customer profiles5 records
中信银行股份有限公司 technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration24 records
AI capability7 records
Feature4 records
中信银行股份有限公司 partnerships and signals
Strategic signalPartnerships
29 partnerships are on record, tiered core, major and minor.
- 中国银联 (China UnionPay)coreStrategic card network partnership for UnionPay branded credit cards. UnionPay provides payment infrastructure, acceptance network, and co-branding opportunities. CITIC offers UnionPay Diamond, Platinum, and standard cards with UnionPay QuickPass functionality.
- Visa InternationalcorePartnership for Visa-branded credit cards including Infinite, Signature, and standard Visa cards. Visa provides international payment network and co-marketing programs.
- 万事达卡 (Mastercard)coreMastercard branded card partnership including World, Titanium, and standard Mastercard products. Provides international acceptance and rewards programs.
- JCB (日本信用卡株式会社)majorJCB card partnership including御尊 (Prestige) and standard JCB cards for Japanese market acceptance and international travel benefits.
- 美国运通 (American Express)majorAmerican Express card partnership including Safari Platinum and standard American Express cards for global acceptance and premium services.
- 中国国际航空 (Air China)core凤凰知音国航中信银行联名卡 (Phoenix Miles CITIC-Air China Co-branded Card) provides miles accumulation on spending, priority services, and flight benefits.
- 万豪国际酒店集团 (Marriott International)major万豪旅享家精逸白金卡 (Marriott Bonvoy Premium Card) offers 10:1 points accumulation ratio on qualifying transactions.
- 中国联合航空 (China United Airlines)minorCo-branded credit card partnership with China United Airlines (now merged with Donghai Airlines).
- 麦德龙 (Metro Cash & Carry)minorCITIC-Metro co-branded card offering exclusive benefits for Metro wholesale customers.
- 龙腾出行 (DragonPass)majorAirport and high-speed rail lounge services provider. DragonPass operates 1500+ VIP lounges globally. Service hotline: 400-882-1111.
- 新赛点体育 (New Sport Point)majorSports venue booking services for 36+1 lifestyle program including golf, tennis, swimming, and fitness. Service hotline: 400-684-1808.
- 真闲信息科技 (Zhenxian Technology)majorSpa and hotel accommodation booking services for 36+1 lifestyle program. Service hotline: 400-821-3025.
- 上海盛世大联汽车服务 (Shanghai Shengshi Dalian Auto Service)majorChauffeur services and airport/high-speed rail transfer services for 36+1 program. Service hotline: 40088-01768.
- 爱康国宾 (iKang Guobin)majorHealth checkup and dental services provider for platinum card holders. Service hotline: 400-810-0120.
- 爱睿智健康科技 (Airuizhi Health Technology)majorDental care services provider for platinum card holders. Service hotline: 400-919-8282.
- 北京新悦海体育发展 (Beijing Xinyuehai Sports Development)minorTennis, badminton, and skiing venue services provider. Service hotline: 400-0818-300.
- 佰嘉通 (Baijiatong Technology)minorGolf driving range services provider. Service hotline: 400-6780-000.
- 深圳市铁马高尔夫管理 (Shenzhen Iron Horse Golf Management)minorGolf course booking services. Service hotline: 0755-66860909.
- 元化医疗咨询服务 (Shanghai Yuanhua Medical Consulting)majorMedical appointment booking and accompanying services provider for platinum card holders.
- 北京幸运出行科技 (Beijing Xingyun Travel Technology)minorValet parking services for platinum card holders. Service hotline: 400-000-1111.
- 臻客信息技术服务 (Shanghai Zhenke Information Technology)majorHotel accommodation booking services alongside 真闲 for 36+1 lifestyle program.
- 京东 (JD.com)majorE-commerce co-branded card partnership and promotional campaign partner for new customer acquisition and spending rewards.
- 美团 (Meituan)majorFood delivery and lifestyle services co-branded card partnership and promotional partner.
- 携程 (Ctrip/Trip.com)majorTravel services co-branded card partnership for flight and hotel booking benefits.
- 麦当劳 (McDonald's)minorQuick service restaurant co-branded card partnership with promotional campaigns for new customers.
- 华为 (Huawei)majorHuawei Pay mobile payment integration and HarmonyOS app support for contactless payments.
- ApplemajorApple Pay mobile payment integration and iOS app development for credit card services.
- 广之旅minorTravel agency partner for 幸福年华 senior card travel benefits and discount programs.
- 中国人民财产保险股份有限公司深圳市分公司majorProvides flight delay insurance, aviation accident insurance, and theft protection insurance for credit card holders.
Scale indicators5 records
Recent moves10 records
Expansion highlights6 records
中信银行股份有限公司 competitors and assessment
Company assessmentBroad incumbents
- Agricultural Bank of China: Agricultural Bank of China (ABC) is one of China's 'Big Four' state-owned commercial banks with a national branch network and a major credit card business. It is a broad incumbent peer competing for retail credit card customers nationwide.
- China Construction Bank: China Construction Bank is one of the largest credit card issuers in China by card volume, leveraging its nationwide branch network. As a broad incumbent, it competes with CITIC Bank Credit Card Center across the entire retail and premium credit card spectrum.
- Industrial and Commercial Bank of China (ICBC): ICBC is the world's largest commercial bank by assets and operates one of China's biggest credit card franchises. As a broad incumbent, it competes head-to-head with CITIC on card acquisition, premium positioning, and co-brand partnerships.
- Bank of Communications: Bank of Communications is one of China's largest state-owned commercial banks with a sizeable credit card portfolio. It is broader than CITIC in scope (full-service commercial bank) but directly competes in retail credit cards with platinum and co-branded products.
Direct peers
- Ping An Bank: Ping An Bank operates a major credit card business in China with strong retail focus, similar platinum-tier products, and comparable co-branded offerings. It directly competes with CITIC Bank for premium retail credit card customers.
- Shanghai Pudong Development Bank: Shanghai Pudong Development Bank runs a sizable credit card center in China with a multi-tier product portfolio and partnership-driven co-branded cards. It is a comparable mid-tier Chinese commercial bank credit card issuer competing for similar retail and corporate customers.
- China Merchants Bank: China Merchants Bank is widely regarded as the leader in China's retail credit card market, with a comparable product portfolio covering platinum, co-branded airline/hotel cards, and a strong digital banking app. It is the most directly comparable peer to CITIC Bank Credit Card Center in customer segments and product mix.
- China Everbright Bank: China Everbright Bank issues a range of credit cards in China including standard, platinum, and co-branded products. Its retail focus and product breadth position it as a comparable peer in the Chinese credit card market.
- China Guangfa Bank: China Guangfa Bank (CGB) is a leading Chinese credit card issuer known for early-stage card innovation and a sizeable active card base. It directly competes with CITIC Bank Credit Card Center in standard and premium retail card segments.
- Industrial Bank: Industrial Bank operates a diversified credit card business in China with similar multi-tier offerings and co-brand partnerships. It is a comparable mid-sized commercial bank peer in the Chinese retail credit card space.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
中信银行股份有限公司 social profiles
Digital presence中信银行股份有限公司 compliance and trust
Trust signalCompliance4 records
中信银行股份有限公司 financial estimates
Financial estimateRevenue estimate
Valuation estimate
中信银行股份有限公司 leadership team
Management profileNumber of profiles
中信银行股份有限公司 funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
中信银行股份有限公司 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 中信银行股份有限公司
What does 中信银行股份有限公司 do?
China CITIC Bank Corporation Limited, through its Credit Card Center, issues and services a diversified portfolio of consumer credit cards (standard, platinum, premium/infinite, airline and hotel co-branded, student, automotive and senior-focused) distributed via the proprietary 动卡空间 mobile app, website, WeChat and Alipay channels, and physical branches. The bank monetizes the portfolio through revolving credit interest, annual fees, merchant interchange, installment processing, cash advance fees, and value-added lifestyle services for cardholders.
Is 中信银行股份有限公司 a public or private company?
中信银行股份有限公司 is a public company. It is classified as public and is currently operating.
When was 中信银行股份有限公司 founded?
中信银行股份有限公司 was founded in 2002. It employs 1,001 to 5,000 people.
Where is 中信银行股份有限公司 based?
中信银行股份有限公司 is headquartered in Shenzhen, China, in the Asia region.
How does 中信银行股份有限公司 make money?
Six revenue lines are on record. Interest Income is the primary driver. The others are annual Fees, transaction Interchange Fees, cash Advance Fees, installment Processing and points Redemption &增值服务.
Who are 中信银行股份有限公司's main competitors?
Broad incumbents on record are Agricultural Bank of China, China Construction Bank, Industrial and Commercial Bank of China (ICBC) and Bank of Communications. Direct peers are Ping An Bank, Shanghai Pudong Development Bank, China Merchants Bank, China Everbright Bank, China Guangfa Bank and Industrial Bank.
Does 中信银行股份有限公司 have an API?
No public API is recorded for 中信银行股份有限公司.
What industry is 中信银行股份有限公司 in?
中信银行股份有限公司's product category is Credit Card Services. Its primary akta.pro industry code is FSABAAAC, Credit Cards & Revolving Credit, with a secondary code of FSAKABAF, Business / Corporate Credit Cards. Its NAICS code is 52221 and its SIC code is 6021.