华夏银行股份有限公司信用卡中心

What 华夏银行股份有限公司信用卡中心 does

Huaxia Bank Credit Card Center (华夏银行股份有限公司信用卡中心) is the credit card division of Huaxia Bank (华夏银行股份有限公司), a national joint-stock commercial bank listed on the Shanghai Stock Exchange under ticker 600015. The center operates from Beijing, manages a portfolio of over 40 active credit card products across five series — Platinum, Standard, Co-branded, Official/Business, and Financial Intelligence — and serves Chinese consumer and government/institutional segments through direct-to-consumer self-serve channels, inside-sales telemarketing, co-branded partnerships, and the parent bank\u0027s nationwide branch network. Customer-facing channels include the Huacai Life mobile app, WeChat official account (\u0027hxcreditcard\u0027), the official website (creditcard.hxb.com.cn), 24-hour customer service hotlines, and dedicated outbound sales numbers.

The product architecture covers all four major card organizations (UnionPay, VISA, Mastercard, American Express) and supports digital virtual cards (Huaxia e-Pay, Flash Card), dual-currency dual-application chips, and integrated payment channels (UnionPay Cloud QuickPass, WeChat Pay, Alipay). Revenue is generated through multiple streams: annual fees by tier (ranging from RMB 100 for standard cards to RMB 5,000 for Diamond), interchange fees on domestic and overseas transactions, revolving interest at approximately 18.25% APR, installment fees (flexible installment, bill installment, Yida Jin cash installment), late fees, cash advance fees, card customization fees (RMB 50-120 per card), and subscription value-added services (e.g., \'Juhuihua\' benefits package at RMB 99-299 per period). The center pursues a high-partnership strategy, having launched co-branded cards with Luckin Coffee, JD, Tencent, China Southern Airlines, Hainan Airlines, CR Vanguard, Energy Chain, KPL, Tuniu, iQIYI, and numerous other brands across coffee, e-commerce, gaming, travel, and lifestyle verticals.

The credit card center operates as a wholly-owned internal division of Huaxia Bank (not an independent legal entity), with 232 staff headquartered in Beijing, sharing the parent bank\u0027s IT infrastructure and regulatory framework. Recent strategic activity has focused on premium card introductions (American Express Safari, Visa Stargaze, Super Platinum tiers), youth-segment acquisition through gaming and new-media partnerships, and operational automation through smart outbound calling and collection systems deployed in 2026.

Name

华夏银行股份有限公司信用卡中心

Legal name

华夏银行股份有限公司信用卡中心

Website

https://creditcard.hxb.com.cn

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

Huaxia Bank Credit Card Center is the credit card division of Huaxia Bank (SSE: 600015), operating 40+ card products across four major card organizations for Chinese consumers, business travelers, and government personnel, distributed through co-branded partnerships, digital self-serve channels, and the parent bank\u0027s nationwide branch network.

Ownership category

akta.pro rank

Headquarters

HQ city

北京

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. 信用卡年费收入: 根据卡片等级收取年费：钻石卡5000元/年、尊尚白金卡680元/年、白金卡680元/年、金卡200元/年、普卡100元/年，辅以首年免年费、消费达标免次年年费等优惠政策促进发卡。高端卡（Safari卡超白金卡）首年可享优惠年费1800元。
2. 刷卡交易手续费收入（商户回佣）: 持卡人境内外商户消费产生交易手续费（通常为消费金额的0.5%-1%由收单机构与发卡行按比例分成），是信用卡最核心的收入来源。华夏信用卡产品覆盖银联/VISA/万事达/美国运通四大清算网络，境内外交易均产生手续费收入。
3. 分期手续费/利息收入: 提供账单分期、灵活分期、现金分期（易达金）、消费转分期等多种分期产品，收取分期手续费或利息。易达金分期利率对应近似折算年化利率0%-18.25%（单利），消费分期利率可享折扣优惠（如时尚芭莎卡58折、优享白金卡4折等）。
4. 利息收入（循环信用）: 对选择最低还款额还款或未能全额还款的持卡人收取循环利息，按日计息（日利率约为万分之五），年化利率约18.25%，是信用卡重要的利润来源。
5. 违约金及费用收入: 包括信用卡逾期还款违约金（最低还款额未还部分的5%，最低10元）、取现手续费（境内2%/笔，最低15元；境外2%/笔，最低20美元）、挂失手续费（免费至50元不等）、境外交易服务费等。高端卡（如VISA单标卡、美国运通卡）多豁免境外交易服务费以提升产品竞争力。
6. 卡面定制费收入: 特色卡片（如华夏Am I信用卡、华夏国潮动漫卡、华夏瑞幸联名Mini信用卡、华夏UP信用卡宫里的世界版等）收取卡面定制费，费用范围50-120元/张，用于覆盖特殊卡面制作工艺成本。
7. 增值服务订阅收入: 向受邀持卡人提供付费增值服务，包括「巨惠花」惠享权益包（299元/6个月，原价599元）、超享权益包（99元/6个月，原价199元）、「巨惠金」权益包（99元/份）等订阅制服务产品。

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

华夏银行信用卡中心 issues and operates a comprehensive credit card product portfolio spanning UnionPay, Visa, Mastercard, and American Express networks. It manages five card series (白金系列, 标准系列, 联名系列, 公务系列, 财智系列) with tiered offerings from 普通卡 to 钻石卡, including co-branded cards with airlines, e-commerce, retail, and entertainment brands. The center also provides installment payment services (灵活分期, 账单分期, 易达金 cash advance), value-added subscription services, and 24/7 customer support via integrated digital channels (华彩生活 App, WeChat, website).

Product overview

华夏银行股份有限公司信用卡中心运营华夏银行信用卡全产品矩阵，采用平台+产品线架构。核心平台包括：华彩生活APP（综合移动服务）、华夏银行信用卡微信公众号（微信银行渠道）及官方网站（creditcard.hxb.com.cn）。产品线分为五大系列：(1) 华夏白金系列：面向高净值客群，含美国运通Safari卡、优享白金卡、精英尊尚白金卡、精英环球卡、星耀Visa卡等高端产品，提供机场贵宾厅、健康体检、接送机等综合权益；(2) 华夏标准系列：面向大众客群，含大美华夏主题卡、熊猫卡、UP卡、国潮动漫卡、银联无界卡、Am I卡、云闪付主题卡、逐梦卡等主题信用卡；(3) 华夏联名系列：与第三方品牌合作，含南航联名卡（万事达）、瑞幸联名卡、腾讯超V卡、京东PLUS联名卡、KPL王者梦之队联名卡、能链信用卡、新百环保联名卡、华润通联名卡、海航联名卡等，覆盖航空、咖啡、电竞、新能源、零售等多场景；(4) 华夏公务系列：面向预算单位，含北京/山西/辽宁/西安/广州/聊城/胶州等地方版本，终身免年费；(5) 华夏财智系列：主打分期功能，含华夏易达金卡。配套服务包括灵活分期、账单分期、易达金现金分期及付费增值服务（巨惠花/巨惠金/卡号优选等）。

Differentiator

Problem solved

Functional benefit

Brands

• 华夏标准系列: 华夏银行标准信用卡产品系列，包括金卡、普卡等基础产品
• 华夏联名系列
• 华夏公务系列
• 华夏白金系列
• 华夏财智系列

Quantifiable outcome

• 美国运通Safari卡：境外消费每笔返现1.5%，每月最高600元，同一持卡人每月最高返现600元人民币
• +5 more outcomes

Named customers11 records

Segments5 records

Ideal customer profiles7 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability2 records

Feature4 records

Partnerships

23 partnerships are on record, tiered major, core and minor.

• 瑞幸咖啡（中国）有限公司majorStrategic or Co-development Partner华夏银行与瑞幸咖啡合作发行华夏瑞幸联名信用卡（含标准版金卡/白金卡及Mini信用卡），提供咖啡消费权益：核卡后金卡消费3笔99元/白金卡消费3笔199元可获赠6-12杯瑞幸咖啡；周周送最高52杯/年；新户礼最高价值312元；分期「free」赠分期利息抵扣券。瑞幸卡是信用卡中心与头部咖啡品牌深度合作的标杆联名产品。
• 海口恒禾电子科技有限公司（海航金鹏俱乐部）majorStrategic or Co-development Partner华夏银行与海南航空合作发行华夏海航联名信用卡（金卡/白金卡/钻石卡），持卡人消费积分每月自动兑换为海航金鹏会员积分，金卡18:1、白金卡16:1、钻石卡10:1兑换比例，钻石卡持卡人额外享专家门诊挂号、全球机场贵宾厅、接送机服务等高端权益。
• 中国南方航空股份有限公司majorStrategic or Co-development Partner华夏银行与中国南方航空合作发行华夏南航联名信用卡（万事达），金卡18积分=1南航里程（月上限3000），世界卡10积分=1里程（月上限8000），超白金卡8积分=1里程（月上限10000）。新户核卡60天内消费达标赠1200-3000南航里程。超白金卡/世界卡持卡人享全球机场贵宾厅、境内接送机、挂号陪诊等增值服务。
• 华润网络（深圳）有限公司majorStrategic or Co-development Partner华夏银行与华润集团合作发行华夏华润通联名信用卡（金卡/白金卡），持卡人消费每3元累计1华润通积分（月上限2万积分），自动兑换为华润通积分（万象星）。白金卡享Ole超市季度8折、万家会员价、万象影院5折观影等尊享会员权益；金卡享优享会员权益。新户核卡90天可领价值千元大礼包。
• 能链（天津）能源科技有限公司coreStrategic or Co-development Partner华夏银行联名能链集团共同推出华夏能链信用卡（金卡/白金卡），持卡人加油充电可享优惠：每周四在能链团油APP加油满200元减30元（900名额），在快电APP充电满50元减20元（100名额）；新户核卡40天2笔99元可领100-150元满减券包；每月消费3笔可领加油满减券。
• 北京京东世纪贸易有限公司（京东）coreStrategic or Co-development Partner华夏银行与京东合作发行华夏京东PLUS联名信用卡（金卡），持卡人享受京东PLUS会员相关权益，核卡首年免年费，每年交易满5笔即可免次年年费，是信用卡中心拓展电商消费场景的重要联名产品。
• 上海菁卡信息技术有限公司（KPL/王者荣耀）coreStrategic or Co-development Partner华夏银行与KPL王者荣耀职业联赛合作发行华夏KPL王者梦之队联名信用卡（金卡/白金卡），提供梦积金返现（0.5-1%/月）、新户礼微信立减金（20-30元）、电竞打卡盲盒礼品等专属权益，针对年轻电竞用户群体。
• 腾讯控股有限公司coreStrategic or Co-development Partner华夏银行与腾讯合作发行华夏腾讯超V联名信用卡，采用虚实结合方式（默认核发数字虚拟卡，激活后自动寄送实体卡），仅限从未持有华夏信用卡的新客户申请，年费200元/年，首年免5笔免次年。
• 途牛旅游网minorStrategic or Co-development Partner华夏银行与途牛合作发行华夏途牛「牛魔王」悦游联名信用卡（银联金卡/银联白金卡/万事达白金卡），银联金卡首年免年费每年5笔免次年，白银联白金卡首年免2万积分免次年，万事达白金卡有效期内免年费。万事达白金卡免境外取现/转账手续费及境外交易服务费。
• 爱奇艺minorStrategic or Co-development Partner华夏银行与爱奇艺合作发行华夏爱奇艺「悦看」联名信用卡（金卡），面向互联网高品质追求时尚的客户群体，提供仙女粉、男友蓝、个性黑、优雅蓝四款时尚卡面，主打年轻用户的生活方式权益。
• 时尚芭莎（Harper's BAZAAR）minorStrategic or Co-development Partner华夏银行与时尚芭莎合作发行华夏时尚芭莎联名信用卡（银联/万事达白金卡/金卡），主要面向女性用户，白金卡持卡人每年消费一笔可获2次免费洁牙服务，生日月双倍积分，惠享分期58折优惠。
• 银川新华百货商业集团（新百）minorStrategic or Co-development Partner华夏银行与银川新华百货商业集团合作发行华夏新百环保联名信用卡（银联白金卡/金卡），面向宁夏银川区域发行，采用可降解材料卡面，主打绿色消费权益，作为银联「绿色低碳主题卡」系列产品，持卡人可享银联绿色低碳礼遇及新华百货购物优惠。
• 重庆砂之船奥特莱斯购物广场minorStrategic or Co-development Partner华夏银行与重庆砂之船奥特莱斯合作发行华夏砂之船奥特莱斯联名信用卡（金卡），持卡人可享重庆砂之船奥特莱斯购物广场贵宾礼遇，双重积分回馈，年费200元/年，首年免5笔免次年。
• 中粮我买网minorStrategic or Co-development Partner华夏银行与中粮我买网合作发行华夏我买网「悦己」联名信用卡（金卡/白银金卡），新户激活可获我买网钻石卡会员权益，白银金卡新户消费6笔39元可获100元我买卡。
• 北京本来生活网minorStrategic or Co-development Partner华夏银行首次发行BlingBling精灵卡系列——华夏本来生活Fresh联名信用卡（金卡/白金卡），采用1张Mini卡+1张标准卡的套餐配发模式，持卡人可直接成为本来生活白金会员（新户需消费达标），享99折购物优惠及200元代金券。
• 携程minorStrategic or Co-development Partner华夏银行信用卡与携程合作推出携程立减活动，持卡人在携程平台使用华夏信用卡支付可享最高66元立减优惠。
• 中国银联majorChannel Partner/ Reseller/ Distributor华夏银行是中国银联的重要成员机构，发行大量银联标识信用卡（含人民币单币卡及银联+外币双标识卡），银联网络覆盖境内主要商户并延伸至全球多个国家和地区，银联提供云闪付无界卡数字权益、跨行还款、62开头卡BIN等基础设施服务。
• VISAcoreChannel Partner/ Reseller/ Distributor华夏银行发行VISA标识信用卡（仅限境外使用），包括华夏精英VISA智程信用卡、VISA华夏精英足球白金信用卡、VISA华夏奥运信用卡、华夏Visa星耀信用卡等，VISA提供全球清算网络及境外消费返现、贵宾厅权益等支持。
• 万事达卡（Mastercard）coreChannel Partner/ Reseller/ Distributor华夏银行发行万事达标识信用卡（包括单标识及双标识卡），包括华夏精英环球信用卡、华夏万事达钛金/金卡单标识卡、华夏南航联名信用卡（万事达）等，万事达提供全球清算网络及相应品牌权益。
• 美国运通（American Express）coreChannel Partner/ Reseller/ Distributor华夏银行与美国运通首次合作发行华夏银行美国运通耀红卡（2020年）、美国运通新贵卡（2022年）、美国运通Safari信用卡（2025年），美国运通提供境内外一芯双应用技术、全球商户受理网络及平台礼遇权益。
• 上海宫事宫办文化发展有限公司（「宫里的世界」）minorStrategic or Co-development Partner华夏银行与「宫里的世界」合作推出华夏UP信用卡「宫里的世界」联名卡面（臻享版卡面享定制费优惠价格33元），持卡新户可领「宫里的世界」精美礼品（新户开卡礼），将故宫文化元素融入信用卡产品设计。
• 北京秉正银行业消费者权益保护促进中心minorOthers作为金融纠纷调解合作机构，持卡人对华夏银行信用卡投诉处理决定有异议时，可通过北京秉正银行业消费者权益保护促进中心申请调解，调解服务热线：010-88689969（工作日8:30-11:00，13:00-17:00）。
• 云闪付（中国银联）coreTechnology or Integration华夏银行信用卡全面支持云闪付App绑定支付及消费，部分产品享云闪付渠道1%返现权益（华夏云闪付主题信用卡）及随机立减优惠（优享白金卡满30元随机减最高88元）。

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Ping An Bank Credit Card Center (平安银行信用卡中心): Digital-first credit card issuer with strong retail customer focus and extensive partner ecosystem (e.g., Lufthansa, JD). Direct competitor in consumer and digital credit card issuance.
• China Everbright Bank Credit Card Center (光大银行信用卡中心): Comparable joint-stock commercial bank credit card division with multi-tier product lines, premium cards, and diverse co-branded partnerships. Direct competitor in the same national mid-tier segment.
• China Merchants Bank Credit Card Center (招商银行信用卡中心): China's largest credit card issuer by transaction volume, with a similarly extensive co-branded card ecosystem (Starbucks, Tencent, Hilton, etc.) and multi-tier product structure. Direct competitor in the same national Chinese credit card market with comparable customer segmentation.
• China CITIC Bank Credit Card Center (中信银行信用卡中心): Joint-stock commercial bank credit card division with comparable product breadth, premium card offerings, and lifestyle co-branded partnerships (e.g., JD Plus, Tencent). Direct competitor in the same mid-tier national commercial bank segment.
• China Minsheng Bank Credit Card Center (民生银行信用卡中心): Comparable joint-stock commercial bank credit card division with extensive co-branded partnerships (e.g., Luckin Coffee) and similar product structure. Direct competitor across consumer and premium segments.
• Bank of Communications Credit Card Center (交通银行信用卡中心): Comparable share-of-system national commercial bank credit card business with UnionPay/VISA/Mastercard issuance, co-branded partnerships (e.g., Walmart, Metro), and similar dual-currency card products. Direct competitor in mid-tier and premium mass credit card segments.
• Shanghai Pudong Development Bank Credit Card Center (浦发银行信用卡中心): Comparable national commercial bank credit card division with substantial co-branded portfolio, premium card launches, and similar mass-market-plus-affluent segmentation. Direct competitor in the same segment.
• Industrial Bank Credit Card Center (兴业银行信用卡中心): Comparable joint-stock commercial bank credit card division with premium lifestyle co-branded cards and multi-tier product offerings. Direct competitor in the same consumer credit card segment.

Broad incumbents

• Bank of China Credit Card Center (中国银行信用卡中心): One of the "Big Four" state-owned commercial banks with significant credit card issuance, multi-currency products, and global acceptance. Larger scale but broadly comparable in product taxonomy and customer base.
• China Construction Bank Credit Card Center (建设银行信用卡中心): One of the "Big Four" state-owned commercial banks with major credit card issuance, including JOY Camping Card and global acceptance products. Larger scale but operates in the same national credit card market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Customer concentration

• LinkedInlinkedin.com/company/%E5%8D%8E%E5%A4%8F%E9%93%B6%E8%A1%8C%E8%82%A1%E4%BB%BD%E6%9C%89%E9%99%90%E5%85%AC%E5%8F%B8%E4%BF%A1%E7%94%A8%E5%8D%A1%E4%B8%AD%E5%BF%83

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 华夏银行股份有限公司信用卡中心