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Personal Internet Banking(C)
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Personal Internet Banking(P)
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Orient Credit Card
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Orient Credit Card (quasi-credit card) may be further classified into two types: the comprehensive credit card type and the magnetic credit card type. Both types have the function of deposits, withdrawal, consumption and overdraft. The Orient comprehensive credit card is the first IC card that complies with the relevant regulation of PBOC. The card has both chip and magnetic slip and possesses both the traditional functions of a magnetic-slip card, such as savings, consumption payment and money transfer services and the special functions of a chip card, such as off-line consumption and high-security.
| |  Basic Functions | | |
- Deposits and withdrawal freely nationwide
The cardholder can make deposits and withdrawal at any SPDB branch that offers the Orient Card business or any ATM labeled with "China Union Pay" nationwide. The deposits could reach the designate account at real time from one city branch to another (Deposits is limited with our branch).
- Consumption Settlement
The cardholder can make consumption settlement at our ATM or POS labeled with "China Union Pay".
- Overdraft
The cardholder could have the overdraft right when making consumption settlement at our ATM or POS labeled with "China Union Pay".
- RMB current savings
The major credit card account is RMB current account by which the cardholder could make RMB deposits and withdrawal. The deposits interest is calculated by the RMB current savings interest rate governed by PBOC.
- Payroll and withholding services
The cardholder can sign agreement to use the Orient Credit Card to pay the public utility fees and collect salary.
- Fee-based services
The cardholder can use the Orient Credit Card to make securities trading and fund purchase registration.
Scope of Card Uses | | | |
Orient Credit Card could be used at SPDB's teller counter, ATM, POS, phone banking, online banking and other bank's ATM labeled with "China Union Pay" or a designated merchant's POS.
- Services available at SPDB's teller counter: deposits & withdrawal, loss report, loss report cancellation, PIN change, inquiry, statement printing.
- Services available at SPDB's ATM: deposits & withdrawal, PIN change, inquiry and statement printing.
- Services available at SPDB's Phone banking: loss report, inquiry, PIN change, fax printing.
- Services available at SPDB's online banking: inquiry, PIN change, fax printing.
- Services available at other bank's ATM labeled with "China Union Pay": withdrawal and inquiry.
- Services available at designated merchant's POS labeled with "China Union Pay": consumption.
Application Procedure | | |
Any Chinese citizen with a valid ID card or any foreign citizen with valid documents from his motherland could apply for the Orient Credit Card in each of every SPDB branch that offers Orient Card services and become a cardholder with approval from the bank.
Overdraft Facility | | |
A cardholder of Orient Credit Card is granted an overdraft facility up to RMB50,000 yuan.
Account Statement | | |
We will mail the account statement every month to the cardholder.
Validity | | |
The validity tenor is two years. When the credit card becomes due at two years time, the card validity will be automatically renewed by the system, thus avoiding the inconvenience of changing card.
Characteristics of the Comprehensive Credit Card | | |
- Highly secure
According to the experiences of the world banking industry, so far, there has never occurred even one case of a forged chip card. Therefore, it is no exaggeration to say that SPDB's Comprehensive Credit Card guarantees the cardholder with confidence and sense of security.
- Off-Line Consumption Settlement
The Orient Comprehensive Card enables the cardholder to make off-line consumption settlement. As off-line settlement requires little time to complete and raises low requirement for telecommunication, it gives the Orient Comprehensive Credit Card unmatchable advantage in comparison with magnetic card in some industries that have special requirement. For example, the cardholder could use the card to settle Taxi fares if he/she takes a Shanghai Qiangsheng, Shanghai Da Zong and/or Nong Gong Shang Taxi.
- Huge Information Storage
The chip in the card with huge capacity of information storage could meet the requirement of information management and the cardholder identification on some special occasions. For example, the cardholder could use the card as a library card.
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