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Actively engaging the younger demographic of the 020 platform, Industrial Bank teams up with Ele.me to launch a co-branded credit card ...

Published: 2026-11-08 👁 101 views
Last updated 2026-11-08 — On September 15, Industrial Bank officially announced the launch of a co-branded credit card with Ele.me, a leading online food delivery platform. This move not only represents the bank’s strategy in cross-industry marketing but also marks a firm step towards embracing the internet-savvy audience and solidifying its retail transformation. ...
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On September 15, Industrial Bank officially announced the release of a co-branded credit card with the mainstream online food delivery platform “Ele.me.” As a symbol of convenient payment and trendy lifestyles, the internet-based lifestyle platform led by Ele.me has already transformed consumer habits across society. By choosing to collaborate with Ele.me, Industrial Bank is not only taking another important step in cross-industry marketing and inclusive finance, but also actively moving closer to the internet audience and solidifying its retail transformation.

In the current wave of financial industry transformation, proactively building an internet ecosystem has become a mainstream trend. For credit cards, integrating users from online lifestyle platforms plays a crucial role in optimizing customer demographics. Data shows that Ele.me’s services now cover over 1,000 cities nationwide, with more than 130 million users and daily transaction volumes exceeding 200 million yuan, 99.5% of which come from mobile devices. Its high-frequency, low-value transaction scenarios and predominantly young, white-collar user base align closely with the target profiles of major credit cards. Against this backdrop, Industrial Bank’s strategic partnership with Ele.me enables the rapid establishment of a mutually beneficial and well-balanced framework.

Based on a deep understanding of the internet and a strong commitment to integration, Industrial Bank—being one of the first banks to jointly issue cards with Ele.me—has emphasized the card’s strong “internet” attributes. A wealth of online-exclusive promotions tightly aligns with the real needs of Ele.me users, reflecting the bank’s mature “internet mindset.” For example, new customers who apply for the Industrial Bank–Ele.me co-branded card online and make their first purchase of 15 yuan or more will receive one month of Ele.me Super Membership and five 10-yuan no-minimum Ele.me red packets. Additionally, within five months of the first transaction, customers who make a 15-yuan or higher payment via the Ele.me app each month will receive a 10-yuan no-minimum Ele.me co-branded membership red packet the following month, up to five times during the promotion period. Moreover, the Ele.me co-branded card offers premium exclusive benefits when used elsewhere—for instance, waived fees on the first cash advance each month, bonus points for every online transaction when monthly spending reaches 100 yuan, and up to 10 million yuan in travel accident insurance for Elite Platinum cardholders purchasing flight tickets. These added perks make the co-branded card highly appealing.

Speaking about the collaboration, Wang Yu, General Manager of the Card and Channel Department at Industrial Bank, stated that with the growing mainstream adoption of the “Internet+” strategy, the “internet DNA” of credit cards has been fully activated. Industrial Bank is accelerating the development of digital financial application scenarios through institutional innovation, open platform construction, integration of online and offline channels, and ecosystem connectivity. This partnership with Ele.me introduces a high-quality vertical merchant consumption service platform, enabling cross-platform traffic sharing and complementary advantages to optimize the credit card customer base from the source. Such forward-thinking strategies not only highlight the “Vitality Life” brand identity of Industrial Bank’s credit cards but also underscore its determination for retail transformation.

Since 2015, Industrial Bank has been strategically advancing its retail transformation, striving to break free from conventional banking mindsets and proactively adapting to the changing times. The bank’s “Internet+” model has rapidly gained momentum, actively collaborating with multiple major internet platforms across China. In a short span, its comprehensive “Industrial Internet Ecosystem,” encompassing entertainment, lifestyle, and financial management, has begun to take shape. Just last month, the bank officially announced a co-branded IC debit card with JD Finance. With the launch of the Ele.me co-branded card, the simultaneous introduction of these two products represents a bold “two-pronged approach” by Industrial Bank to enhance its internet-oriented attributes.

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