【正文】 銀行卡業(yè)務(wù)產(chǎn)品手冊(cè) 1 / 53 銀行卡業(yè)務(wù)產(chǎn)品手冊(cè) 零售銀行市場(chǎng)營(yíng)銷部 銀行卡業(yè)務(wù)產(chǎn)品手冊(cè) 2 / 53 目錄 一、我行銀行卡產(chǎn)品綜述 _____________________________________________ 4 （一）概念 _______________________________________________________________ 4 （ 二）銀行卡產(chǎn)品分類 ____________________________________________________ 4 （三）銀行卡國(guó)內(nèi)外受理渠道 ______________________________________________ 8 二、我行銀行卡產(chǎn)品介紹 _____________________________________________ 8 （一）民生銀聯(lián)借記卡 ____________________________________________________ 8 產(chǎn)品基本情況 _________________________________________________________________ 8 1）主要產(chǎn)品特點(diǎn)及亮點(diǎn) ________________________________________________________ 8 ★銀聯(lián)標(biāo)準(zhǔn)借記卡、銀聯(lián)貴賓金卡、銀聯(lián)貴賓鉆卡 ______________________________ 8 ★銀聯(lián)小鬼當(dāng)家卡 __________________________________________________________10 ★銀聯(lián)薪資理財(cái)卡 __________________________________________________________12 ★銀聯(lián)銀證理財(cái)卡 __________________________________________________________13 ★銀聯(lián)商戶卡 _______________________________________________________________14 ★天津商聯(lián)卡 15 ★夢(mèng)想卡 16 2）業(yè)務(wù)流程 __________________________________________________________________17 （ 1）申辦 __________________________________________________________________17 （ 2）使用 __________________________________________________________________18 ①密碼 ___________________________________________________________________18 ②存款 ___________________________________________________________________18 ③取款 ___________________________________________________________________19 ④轉(zhuǎn)賬 ___________________________________________________________________19 ⑤消費(fèi) ___________________________________________________________________20 （ 3）客戶服務(wù) ______________________________________________________________20 ①修改密碼 ______________________________________________________________20 ②卡片解鎖 ______________________________________________________________20 ③交易密碼 重置 __________________________________________________________21 ④查詢密碼重置 __________________________________________________________21 ⑤卡片掛失及補(bǔ)發(fā) ________________________________________________________21 ⑥損壞換卡 ______________________________________________________________22 ⑦銷卡 ___________________________________________________________________22 ⑧到期換卡 ______________________________________________________________22 3）相關(guān)費(fèi)用 __________________________________________________________________22 業(yè)務(wù)管理 ____________________________________________________________________23 1）規(guī)章制度 __________________________________________________________________23 2）我行收益 __________________________________________________________________23 3）風(fēng)險(xiǎn)提示 __________________________________________________________________24 （ 1）客戶風(fēng)險(xiǎn)提示 _________________________________________________________24 （ 2）本行風(fēng)險(xiǎn)指引 _________________________________________________________24 4）特別提示 __________________________________________________________________25 銀行卡業(yè)務(wù)產(chǎn)品手冊(cè) 3 / 53 5）相關(guān)名詞解釋 ______________________________________________________________25 （二）民生國(guó)際借記卡 ___________________________________________________ 26 分類 ________________________________________________________________________26 產(chǎn)品基本情況 ________________________________________________________________26 1）主要產(chǎn)品特點(diǎn)及亮點(diǎn) _______________________________________________________26 ★國(guó)際借記卡普卡 __________________________________________________________27 ★國(guó)際卡貴賓卡 ____________________________________________________________27 ★銀聯(lián)貴賓卡（含銀卡、金卡和鉆石卡） ______________________________________28 ★國(guó)際歐元卡和國(guó)際澳 元卡 __________________________________________________30 2）相關(guān)名詞解釋 ______________________________________________________________32 3）業(yè)務(wù)流程 __________________________________________________________________33 （ 1）國(guó)際借記卡普卡 _______________________________________________________33 A、申辦 __________________________________________________________________33 B、使用 __________________________________________________________________34 C、客戶服務(wù) _____________________________________________________________34 （ 2）國(guó)際借記卡貴賓卡（包括銀卡、金卡和鉆石卡） __________________________36 A、申辦 __________________________________________________________________36 B、使用 __________________________________________________________________37 C、客戶服務(wù) _____________________________________________________________37 （ 3）國(guó)際借記卡歐元卡和澳元卡 _____________________________________________38 A、申辦 __________________________________________________________________38 B、使用 __________________________________________________________________39 C、客戶服務(wù) _____________________________________________________________39 4）服務(wù)渠道 __________________________________________________________________39 5）相關(guān)費(fèi)用 __________________________________________________________________39 業(yè)務(wù)管 理 ____________________________________________________________________39 1）規(guī)章制度 __________________________________________________________________39 2）我行收益 __________________________________________________________________40 3）風(fēng)險(xiǎn)提示 __________________________________________________________________41 4）特別提示 __________________________________________________________________42 三、 儲(chǔ)蓄業(yè)務(wù)收費(fèi)標(biāo)準(zhǔn) _____________________________________________ 44 柜臺(tái)渠道個(gè)人業(yè)務(wù)收費(fèi)標(biāo)準(zhǔn) _______________________________________________ 44 自助設(shè)備渠道收費(fèi)標(biāo)準(zhǔn) ___________________________________________________ 45 電子銀行業(yè)務(wù)收費(fèi)標(biāo)準(zhǔn) ___________________________________________________ 46 國(guó)際業(yè)務(wù)相關(guān)收費(fèi)標(biāo)準(zhǔn) ___________________________________________________ 49 銀行卡業(yè)務(wù)產(chǎn)品手冊(cè) 4 / 53 一、 我行銀行卡產(chǎn)品綜述 （一） 概念 民生銀聯(lián)借記卡是我行發(fā)行的，符合中國(guó)銀聯(lián) 的發(fā)卡