Children's bank card: Children's bank card is the bank card of children under the age of 16. These bank cards usually have no overdraft limit or the overdraft limit is very small, which requires the prior consent of parents. There are also strict restrictions on credit card consumption, but all kinds of functions are complete, which can be understood as adult bank cards with reduced limits.

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The discount for children's exclusive card service is very limited, and even some banks have no discount at all. Among them, ICBC exempts 16-year-old "Baby Growth Card" cardholders from the annual fee and account opening fee, but if the average daily balance of the account is less than 300 yuan, it will also charge a small account management fee according to 3 yuan/quarter.

In addition, ICBC also gives preferential treatment to parents to transfer and remit money to children under 16. China Bank's "Great Wall Flower Season Card" has no annual fee reduction. Banks, like ordinary card accounts, charge an annual fee of 10 yuan/card and a small account management fee under the corresponding conditions.

The "Pacific Children's Card" of Bank of Communications has given a "limited" discount, and those who newly open a special card for children can enjoy free work fee and annual fee for the first year. From the second year, each card will be charged an annual fee of 10 yuan. The small account management fee of Bank of Communications is only for passbook customers, and all bank card customers do not charge this fee.

Baidu Encyclopedia-Children Bank Card