工资卡 in 30 Seconds
- A '工资卡' is a bank card for receiving salary.
- It's where employers deposit your wages.
- Functions like a regular debit card for spending.
- Essential for personal finance in China.
The Chinese term '工资卡' (gōngzī kǎ) directly translates to 'salary card' or 'wage card.' It refers to a bank card, typically a debit card, that an employer issues or links to an employee's account specifically for the purpose of depositing their salary. In China, it's the primary method for employers to pay their staff. When you start a new job, you'll often be asked to provide your '工资卡' information or be given a new one to use for your salary payments. This card is not just for receiving your pay; it functions like any other debit card for everyday transactions, withdrawals, and online payments. It's a very common and practical term in daily life, especially in the context of employment and personal finance.
- Literal Meaning
- 工资 (gōngzī) means 'salary' or 'wages,' and 卡 (kǎ) means 'card.'
- Common Usage
- You'll hear people discuss their '工资卡' when talking about their paychecks, bank balances, or when setting up direct deposit for their jobs. It's a straightforward and universally understood term in the workplace.
我的公司每个月都会把钱打到我的工资卡里。
In many countries, direct deposit is common, but in China, the specific term '工资卡' highlights the card's primary function for salary reception. It's a term that signifies the flow of income from employer to employee. People might also refer to it as '银行卡' (yínháng kǎ - bank card) in a general sense, but '工资卡' is more specific to the salary context. It's important to keep this card safe, as it holds your primary income.
Using '工资卡' in sentences is straightforward, often appearing in contexts related to work, finances, and daily transactions. Here are various ways to incorporate it:
- Receiving Salary
- This is the most common scenario. You'll talk about your salary being deposited into the card.
- Checking Balance
- People often check their '工资卡' balance to see how much they've earned or spent.
- Managing Finances
- It's used for everyday spending, paying bills, and managing personal budgets.
- Workplace Discussions
- Colleagues might discuss salary payment methods or issues related to the '工资卡.'
请把我的工资卡信息更新一下。
我需要用工资卡去取点钱。
When you are discussing your financial situation or employment details in China, '工资卡' will frequently come up. It’s a practical term for everyday conversations about money and work. For example, you might say you are saving money from your '工资卡' for a new purchase, or that you need to transfer funds from your '工资卡' to another account.
You will encounter the term '工资卡' (gōngzī kǎ) in numerous everyday situations across China. Its prevalence stems from the way salaries are typically paid.
- Workplace Settings
- This is the most common place. When you start a job, HR will likely ask for your '工资卡' details or provide you with one. Discussions about salary payment dates, bank transfers, and payroll often involve this term.
- Banks and Financial Institutions
- When opening accounts, applying for loans, or discussing financial products, bank tellers or advisors might ask about your '工资卡' to understand your income source.
- Retail and Service Transactions
- While you might just use a generic bank card, the underlying card used for salary is often referred to as '工资卡' in casual conversation, especially if it's a specific card issued by the employer or a particular bank for salary deposits.
- Personal Finance Discussions
- Friends, family, or colleagues might discuss their monthly earnings, savings, or expenses by referring to the funds in their '工资卡.'
老板说这个月会提前把工资卡发下来。
It's a term deeply integrated into the financial infrastructure of employment in China. Even if a person has multiple bank cards, the one designated for their salary is often specifically called their '工资卡.' This term is part of everyday vocabulary for anyone engaged in the workforce.
While '工资卡' is a relatively straightforward term, learners might make a few common mistakes, primarily related to overgeneralization or misunderstanding its specific function.
- Mistake 1: Using it for any bank card
- Learners might use '工资卡' to refer to any bank card they possess, such as a savings card or a credit card. However, '工资卡' specifically denotes the card used for receiving salary. Other cards are simply referred to as '银行卡' (yínháng kǎ - bank card) or by their specific type (e.g., 信用卡 - xìnyòng kǎ - credit card).
- Mistake 2: Confusing it with a payroll system
- Some might think '工资卡' refers to the entire payroll system or process. It is, however, a physical or digital bank card that receives the funds from the payroll system.
- Mistake 3: Assuming it's always a debit card
- While most '工资卡' are debit cards, in rare cases, a company might link salaries to a specific type of savings account or even a prepaid card. However, for practical purposes and general understanding, it functions as a debit card for everyday use.
- Mistake 4: Literal translation leading to awkwardness
- Directly translating 'salary card' in English might sound a bit formal or unusual in some contexts. In English, we'd more commonly say 'my payroll card,' 'my direct deposit card,' or simply refer to the bank account itself.
Incorrect: 我用我的工资卡买东西了。
The key is to remember that '工资卡' is a specific type of bank card designated for salary deposits. While it functions like any other debit card for transactions, its primary identity is tied to receiving wages. When in doubt, referring to it simply as a 'bank card' (银行卡) is safer if you're unsure of its specific purpose.
While '工资卡' (gōngzī kǎ) is the most common and specific term for a salary card, there are other related terms and alternatives that you might encounter or use:
- 银行卡 (yínháng kǎ)
- Meaning: Bank card. This is a general term for any bank card, including debit cards, credit cards, and ATM cards.
Usage: '工资卡' is a type of '银行卡.' If you're talking about a bank card in general, or if the context doesn't specifically require mentioning it's for salary, '银行卡' is appropriate.
Example: 我需要一张新的银行卡。(Wǒ xūyào yī zhāng xīn de yínháng kǎ.) - I need a new bank card. - 借记卡 (jièjì kǎ)
- Meaning: Debit card. This term specifically refers to a card linked directly to a bank account, where transactions deduct funds immediately.
Usage: Most '工资卡' are debit cards. So, you could technically refer to your '工资卡' as a '借记卡,' but '工资卡' is more precise when the salary aspect is relevant.
Example: 这张卡是借记卡，不是信用卡。(Zhè zhāng kǎ shì jièjì kǎ, bùshì xìnyòng kǎ.) - This card is a debit card, not a credit card. - 信用卡 (xìnyòng kǎ)
- Meaning: Credit card. This is a card that allows you to borrow money from the issuer to make purchases, which you then repay later.
Usage: This is distinct from '工资卡.' Your salary is deposited into your '工资卡' (debit), but you might use a separate '信用卡' for purchases that you pay off later.
Example: 我用信用卡买了这个包。(Wǒ yòng xìnyòng kǎ mǎi le zhège bāo.) - I bought this bag using a credit card. - 工资账户 (gōngzī zhànghù)
- Meaning: Salary account. This refers to the bank account itself where the salary is deposited, rather than the card.
Usage: While '工资卡' is the card, '工资账户' is the underlying account. Sometimes people might use them interchangeably in casual speech, but technically, the account is where the money resides, and the card is the access tool.
Example: 我的工资账户里有很多钱。(Wǒ de gōngzī zhànghù lǐ yǒu hěnduō qián.) - There is a lot of money in my salary account.
我的工资卡是招商银行的。
In summary, '工资卡' is the most precise term for the card used to receive your salary. '银行卡' is a broader term, and '借记卡' specifies it as a debit card. '工资账户' refers to the account itself. Understanding these distinctions will help you communicate more accurately about personal finance in Chinese.
How Formal Is It?
Fun Fact
The character '卡' (kǎ) itself is a phonetic loanword, often used to represent the English word 'card.' Its adoption signifies the integration of Western financial concepts and technologies into the Chinese language.
Pronunciation Guide
- Pronouncing 'zi' too strongly or like 'zee' in 'see'. The sound is closer to 'dzuh'.
- Omitting the tone difference, especially the falling tone on 'gōng' and the neutral tone on 'zi', and the flat tone on 'kǎ'.
Difficulty Rating
The characters '工资' and '卡' are common. Understanding the context of salary and cards makes it easy to grasp the meaning. The CEFR A2 level indicates it's suitable for beginner learners.
Writing the characters is moderately easy for beginners once they learn them. The compound nature makes it logical to remember.
Pronunciation is relatively straightforward, with common sounds. Learners can quickly adopt the correct pronunciation.
The term is frequently used in spoken Chinese, making it easy to encounter and recognize in audio contexts.
What to Learn Next
Prerequisites
Learn Next
Advanced
Grammar to Know
The particle '把' (bǎ) for disposing of objects.
公司把我的工资打到工资卡里。(Gōngsī bǎ wǒ de gōngzī dǎ dào gōngzī kǎ lǐ.) - The company deposits my salary into my salary card.
Using '用' (yòng) to indicate the tool or means of an action.
我用工资卡买东西。(Wǒ yòng gōngzī kǎ mǎi dōngxi.) - I use my salary card to buy things.
The particle '里' (lǐ) indicating 'inside' or 'within'.
我的工资卡里有多少钱？(Wǒ de gōngzī kǎ lǐ yǒu duōshao qián?) - How much money is in my salary card?
The use of measure words for cards.
我需要一张新的工资卡。(Wǒ xūyào yī zhāng xīn de gōngzī kǎ.) - I need a new salary card. (张 zhāng is the measure word for flat objects like cards).
The structure 'Subject + Verb + 了 (le)' to indicate completion of an action.
我把工资卡弄丢了。(Wǒ bǎ gōngzī kǎ nòng diū le.) - I lost my salary card.
Examples by Level
我的工资卡。
My salary card.
这是我的工资卡。
This is my salary card.
工资卡在这里。
The salary card is here.
我需要工资卡。
I need the salary card.
我的工资卡是红色的。
My salary card is red.
你有工资卡吗？
Do you have a salary card?
我的工资卡不见了。
My salary card is lost.
银行卡是工资卡。
The bank card is the salary card.
我的公司把钱打到我的工资卡里。
My company transfers money into my salary card.
'打' (dǎ) is used here to mean 'transfer' or 'deposit' money.
请告诉我你的工资卡号。
Please tell me your salary card number.
'卡号' (kǎ hào) means card number.
我可以用工资卡取钱吗？
Can I withdraw money using my salary card?
'取钱' (qǔ qián) means to withdraw money.
我的工资卡是平安银行的。
My salary card is from Ping An Bank.
Specifying the bank is common.
这个月工资卡里钱不多。
There isn't much money in the salary card this month.
'钱不多' (qián bù duō) means 'not much money'.
我需要去银行更新我的工资卡信息。
I need to go to the bank to update my salary card information.
'更新' (gēngxīn) means to update.
你把工资卡放在哪里了？
Where did you put your salary card?
Asking about the location of an item.
我的工资卡可以用支付宝吗？
Can my salary card be used with Alipay?
Referring to linking a bank card to a digital payment platform.
公司规定，所有员工的工资都必须打入指定的工资卡。
The company regulation states that all employees' salaries must be deposited into the designated salary card.
'规定' (guīdìng) means regulation or rule. '指定' (zhǐdìng) means designated.
自从有了工资卡，我管理财务更加方便了。
Since having a salary card, managing my finances has become much more convenient.
'管理财务' (guǎnlǐ cáiwù) means to manage finances. '方便' (fāngbiàn) means convenient.
如果你丢失了工资卡，请立即联系银行挂失。
If you lose your salary card, please contact the bank immediately to report it lost.
'丢失' (diūshī) means to lose. '挂失' (guàshī) means to report a card lost or stolen.
我打算把一部分工资从工资卡转到我的投资账户。
I plan to transfer a portion of my salary from my salary card to my investment account.
'一部分' (yībùfen) means a portion. '转' (zhuǎn) means to transfer.
这家公司提供一种特殊的工资卡，上面印有公司Logo。
This company offers a special salary card, which has the company logo printed on it.
'特殊' (tèshū) means special. '印有' (yìn yǒu) means printed with.
收到工资后，我会立刻查一下工资卡里的余额。
After receiving my salary, I will immediately check the balance in my salary card.
'余额' (yú'é) means balance.
他抱怨说，工资卡里的钱总是花得很快。
He complained that the money in his salary card is always spent very quickly.
'抱怨' (bàoyuàn) means to complain. '花得很快' (huā de hěn kuài) means spent very quickly.
为了安全起见，我建议不要把工资卡借给别人。
For safety reasons, I suggest not lending your salary card to others.
'安全起见' (ānquán qǐjiàn) means for safety reasons. '借给' (jiè gěi) means to lend to.
在现代中国，绝大多数企业都通过银行系统将工资直接存入员工的工资卡。
In modern China, the vast majority of enterprises deposit salaries directly into employees' salary cards through the banking system.
'绝大多数' (juédà duōshù) means the vast majority. '直接存入' (zhíjiē cúnrù) means to deposit directly.
我正在考虑是否要将我的工资卡与多个支付平台绑定，以提高消费的便利性。
I am considering whether to link my salary card with multiple payment platforms to enhance the convenience of spending.
'绑定' (bǎngdìng) means to bind or link. '支付平台' (zhīfù píngtái) means payment platform.
如果发现工资卡信息被盗用，应立即采取措施，例如冻结账户或更换卡片。
If you discover that your salary card information has been misused, you should immediately take measures, such as freezing the account or replacing the card.
'盗用' (dàoyòng) means to misuse or steal. '冻结账户' (dòngjié zhànghù) means to freeze an account.
虽然我有一张信用卡，但我主要还是依赖工资卡来处理日常开销。
Although I have a credit card, I primarily still rely on my salary card for daily expenses.
'依赖' (yīlài) means to rely on. '日常开销' (rìcháng kāixiāo) means daily expenses.
一些初创公司可能会提供更灵活的薪资发放方式，但传统的工资卡模式仍是主流。
Some startup companies might offer more flexible salary disbursement methods, but the traditional salary card model remains the mainstream.
'灵活的' (línghuó de) means flexible. '薪资发放' (xīnzī fāfàng) means salary disbursement. '主流' (zhǔliú) means mainstream.
每当我收到工资，都会习惯性地查看工资卡余额，以了解自己的财务状况。
Every time I receive my salary, I habitually check the balance in my salary card to understand my financial situation.
'习惯性地' (xíguànxìng de) means habitually. '财务状况' (cáiwù zhuàngkuàng) means financial situation.
银行方面表示，工资卡在一定期限内未激活可能会被自动注销。
The bank stated that a salary card that is not activated within a certain period may be automatically cancelled.
'激活' (jīhuó) means to activate. '注销' (zhùxiāo) means to cancel or deregister.
为了避免不必要的麻烦，我通常会将一部分工资提前转出工资卡，存入其他储蓄账户。
To avoid unnecessary trouble, I usually transfer a portion of my salary from my salary card in advance to other savings accounts.
'避免' (bìmiǎn) means to avoid. '不必要的麻烦' (bùbìyào de máfan) means unnecessary trouble.
在中国的就业市场中，工资卡作为薪酬支付的主要载体，其便捷性和安全性直接影响着劳动者的切身利益。
In China's job market, the salary card, as the primary vehicle for salary payment, its convenience and security directly affect the vital interests of laborers.
'载体' (zàitǐ) means vehicle or carrier. '切身利益' (qièshēn lìyì) means vital interests.
尽管移动支付在中国已深入人心，但工资卡的流通和使用依然是金融体系中不可或缺的一环，尤其是在个人理财规划方面。
Despite mobile payments being deeply ingrained in China, the circulation and use of salary cards remain an indispensable part of the financial system, especially concerning personal financial planning.
'深入人心' (shēnrù rénxīn) means deeply ingrained or popular. '不可或缺' (bùkě huòquē) means indispensable.
对于跨境工作的专业人士而言，了解不同国家和地区关于工资卡处理和税务的规定至关重要。
For professionals working cross-border, understanding the regulations regarding salary card handling and taxation in different countries and regions is of paramount importance.
'跨境工作' (kuàjìng gōngzuò) means cross-border work. '至关重要' (zhìguān zhòngyào) means of paramount importance.
近年来，一些金融科技公司推出了基于区块链技术的工资卡解决方案，旨在提高透明度和效率。
In recent years, some fintech companies have introduced salary card solutions based on blockchain technology, aiming to improve transparency and efficiency.
'金融科技' (jīnróng kējì) means fintech. '区块链技术' (qūkuài liàn jìshù) means blockchain technology.
若员工因故长期无法使用工资卡，公司有义务协助其解决支付问题，或提供临时性的替代方案。
If an employee is unable to use their salary card for a long period due to certain reasons, the company has an obligation to assist them in resolving payment issues or provide temporary alternative solutions.
'因故' (yīngù) means due to reasons. '有义务' (yǒu yìwù) means has an obligation.
在进行大额消费前，我会审慎评估工资卡内可用余额，以避免不必要的财务压力。
Before making a large purchase, I will prudently assess the available balance in my salary card to avoid unnecessary financial pressure.
'审慎评估' (shěnshèn pínggū) means to prudently assess. '财务压力' (cáiwù yālì) means financial pressure.
许多人倾向于将工资卡作为主要的储蓄工具，并定期将部分资金转移至其他投资渠道。
Many people tend to use their salary card as their primary savings tool and regularly transfer a portion of the funds to other investment channels.
'倾向于' (qīngxiàng yú) means to tend to. '储蓄工具' (chǔxù gōngjù) means savings tool.
一旦工资卡信息泄露，可能引发一系列的金融诈骗风险，必须引起高度警惕。
Once salary card information is leaked, it can trigger a series of financial fraud risks, which must be met with high vigilance.
'泄露' (xièlòu) means to leak. '金融诈骗' (jīnróng zhàpiàn) means financial fraud. '高度警惕' (gāodù jǐngtì) means high vigilance.
在数字经济蓬勃发展的当下，工资卡的角色正经历着深刻的演变，它不再仅仅是薪酬的接收终端，更成为连接多元化金融服务生态的枢纽。
In the current era of the flourishing digital economy, the role of the salary card is undergoing a profound evolution; it is no longer merely a terminal for receiving salary but has become a hub connecting a diversified financial services ecosystem.
'蓬勃发展' (péngbó fāzhǎn) means flourishing. '演变' (yǎnbiàn) means evolution. '枢纽' (shūniǔ) means hub or pivot.
对企业而言，优化工资卡管理不仅关乎运营效率，更是提升员工满意度和企业凝聚力的战略性举措。
For enterprises, optimizing salary card management is not only related to operational efficiency but also a strategic initiative to enhance employee satisfaction and corporate cohesion.
'优化' (yōuhuà) means to optimize. '凝聚力' (níngjùlì) means cohesion or solidarity.
随着金融普惠政策的深入推行，工资卡正承担起越来越重要的普惠金融功能，将更多人群纳入正规金融体系。
With the in-depth implementation of financial inclusion policies, salary cards are undertaking increasingly important inclusive finance functions, bringing more people into the formal financial system.
'金融普惠' (jīnróng pǔhuì) means financial inclusion. '深入推行' (shēnrù tuīxíng) means in-depth implementation.
在评估一个国家的金融科技发展水平时，其工资卡支付系统的现代化程度及其与国际标准的接轨程度，是重要的衡量指标之一。
When assessing a country's level of fintech development, the modernization of its salary card payment system and its alignment with international standards are among the key metrics.
'现代化程度' (xiàndàihuà chéngdù) means degree of modernization. '接轨程度' (jiēguǐ chéngdù) means degree of alignment or integration.
探讨工资卡在数字身份认证中的潜在应用，对于构建更安全、更便捷的数字社会具有前瞻性意义。
Exploring the potential applications of salary cards in digital identity verification holds forward-looking significance for building a more secure and convenient digital society.
'数字身份认证' (shùzì shēnfèn rènzhèng) means digital identity verification. '前瞻性意义' (qiánzhānxìng yìyì) means forward-looking significance.
鉴于个人金融信息的敏感性，对工资卡数据进行严格的加密和权限管理，是防范网络攻击和数据泄露的基石。
Given the sensitivity of personal financial information, stringent encryption and access management of salary card data are the cornerstones of preventing cyberattacks and data breaches.
'鉴于' (jiànyú) means given or in view of. '基石' (jīshí) means cornerstone or foundation.
一个高效且用户友好的工资卡系统，不仅能简化雇主的操作流程，更能显著提升员工的整体金融体验。
An efficient and user-friendly salary card system can not only simplify the operational procedures for employers but also significantly enhance the overall financial experience for employees.
'显著提升' (xiǎnzhù tíshēng) means to significantly enhance. '用户友好' (yònghù yǒuhǎo) means user-friendly.
在金融科技浪潮的推动下，传统的工资卡正逐渐演化为集支付、储蓄、投资乃至信用管理等多功能于一体的综合性金融服务平台。
Driven by the wave of financial technology, traditional salary cards are gradually evolving into comprehensive financial service platforms integrating multiple functions such as payment, savings, investment, and even credit management.
'浪潮' (làngcháo) means wave or tide. '多功能于一体' (duō gōngnéng yú yī tǐ) means multifunctional, integrated into one.
Common Collocations
Common Phrases
— My salary card.
我的工资卡是招商银行的。(Wǒ de gōngzī kǎ shì Zhāoshāng Yínháng de.) - My salary card is from China Merchants Bank.
— Deposit salary into the salary card.
My company deposits my salary into my salary card every month.
— Check the salary card balance.
我刚收到工资，想查查工资卡余额。(Wǒ gāng shōudào gōngzī, xiǎng chá chá gōngzī kǎ yú'é.) - I just received my salary and want to check my salary card balance.
— Spend using the salary card.
我喜欢用工资卡消费，这样能更好地控制预算。(Wǒ xǐhuān yòng gōngzī kǎ xiāofèi, zhèyàng néng gèng hǎo de kòngzhì yùsuàn.) - I like to spend using my salary card, so I can better control my budget.
— Lose the salary card.
如果你的工资卡丢失了，请立刻报警。(Rúguǒ nǐ de gōngzī kǎ diūshī le, qǐng lìkè bàojǐng.) - If your salary card is lost, please report it to the police immediately.
Often Confused With
'银行卡' is a general term for any bank card. '工资卡' is a specific type of bank card used for salary deposits. You might use a '银行卡' that is not your '工资卡' for other purposes.
'信用卡' is a credit card, which allows you to borrow money. '工资卡' is typically a debit card (or linked to a debit account) where your earned money is deposited.
'工资账户' refers to the bank account itself where salary is deposited, whereas '工资卡' is the physical or digital card used to access and transact with that account.
Easily Confused
Both refer to cards related to banking.
'银行卡' is a broad category encompassing all types of bank cards (debit, credit, ATM, etc.). '工资卡' is a specific type of '银行卡' whose primary function is to receive salary. You could have multiple '银行卡' but typically only one designated '工资卡' from your employer.
我的工资卡是建行(Jianshe Bank)的，但我还有一张工行(ICBC)的信用卡。(Wǒ de gōngzī kǎ shì Jiànshè Yínháng de, dàn wǒ hái yǒu yī zhāng Gōngshāng Yínháng de xìnyòng kǎ.) - My salary card is from China Construction Bank, but I also have an ICBC credit card.
Most '工资卡' function as '借记卡'.
'借记卡' specifically means debit card, meaning funds are deducted directly from your bank account. '工资卡' describes the purpose (receiving salary), and it is usually a '借记卡'. However, if a company were to issue a prepaid card for salary, it would be a '工资卡' but not a '借记卡'.
这张工资卡同时也是一张借记卡，可以直接用来购物。(Zhè zhāng gōngzī kǎ tóngshí yě shì yī zhāng jièjì kǎ, kěyǐ zhíjiē yòng lái gòuwù.) - This salary card is also a debit card and can be used directly for shopping.
Both are types of payment cards.
'信用卡' (credit card) allows you to borrow money and pay it back later, often with interest. '工资卡' is typically a debit card where your own money (your salary) is deposited and spent. You use your '工资卡' to spend the money you've earned, while you use a '信用卡' to spend borrowed money.
我用工资卡里的钱付房租，用信用卡买了这个包。(Wǒ yòng gōngzī kǎ lǐ de qián fù fángzū, yòng xìnyòng kǎ mǎi le zhège bāo.) - I used the money from my salary card to pay rent, and used a credit card to buy this bag.
Both relate to salary and banking.
'工资账户' refers to the bank account number itself, which holds the salary funds. '工资卡' is the plastic card or digital representation that you use to access and manage the funds in that account. The card is the tool, the account is where the money resides.
你需要告诉公司你的工资账户号，而不是工资卡号，才能准确收款。(Nǐ xūyào gàosù gōngsī nǐ de gōngzī zhànghù hào, ér bùshì gōngzī kǎ hào, cáinéng zhǔnquè shōukuǎn.) - You need to tell the company your salary account number, not your salary card number, to receive payment accurately.
Both relate to the process of salary payment.
'发工资' is the verb phrase meaning 'to issue salary' or 'to pay wages.' It describes the action of the employer. '工资卡' is the noun, the object or destination of that salary. The employer '发工资' to your '工资卡'.
公司下周一发工资，我的工资卡应该会收到钱。(Gōngsī xià zhōu yī fā gōngzī, wǒ de gōngzī kǎ yīnggāi huì shōudào qián.) - The company will issue salary next Monday, and my salary card should receive the money.
Sentence Patterns
这是我的工资卡。
这是我的工资卡。(Zhè shì wǒ de gōngzī kǎ.)
Subject + 把 + Money + 打到 + 工资卡 + 里。
公司把我的工资打到工资卡里。(Gōngsī bǎ wǒ de gōngzī dǎ dào gōngzī kǎ lǐ.)
Subject + 用 + 工资卡 + Verb + Object。
我用工资卡取钱。(Wǒ yòng gōngzī kǎ qǔ qián.)
Subject + 查 + 工资卡 + 余额。
我需要查一下工资卡的余额。(Wǒ xūyào chá yīxià gōngzī kǎ de yú'é.)
Subject + 丢失/弄丢 + 了 + 工资卡。
我不小心弄丢了我的工资卡。(Wǒ bù xiǎoxīn nòng diū le wǒ de gōngzī kǎ.)
Subject + 绑定 + 工资卡 + 到 + Platform。
我把工资卡绑定到了微信支付。(Wǒ bǎ gōngzī kǎ bǎngdìng dào le Wēixìn zhīfù.)
Subject + 建议 + (不要) + Verb + 工资卡。
我建议你不要把工资卡借给别人。(Wǒ jiànyì nǐ bùyào bǎ gōngzī kǎ jiè gěi biérén.) - I suggest you don't lend your salary card to others.
Subject + 鉴于 + Situation, + Subject + 必须 + Verb + 工资卡 + Data。
鉴于信息安全，必须对工资卡数据进行加密。(Jiànyú xìnxī ānquán, bìxū duì gōngzī kǎ shùjù jìnxíng jiāmì.) - Given information security, salary card data must be encrypted.
Word Family
Nouns
Related
How to Use It
High
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Using '工资卡' to refer to any bank card.
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Use '银行卡' for general bank cards and '工资卡' specifically for salary cards.
'工资卡' has a specific function: receiving salary. Using it for any bank card can cause confusion. For instance, if you have a separate savings card, calling it '工资卡' would be incorrect.
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Confusing '工资卡' with '信用卡'.
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Understand that '工资卡' is typically a debit card for your earnings, while '信用卡' is for borrowing money.
A '工资卡' contains your actual money, while a '信用卡' allows you to spend borrowed money that you must repay. Mistaking them can lead to misunderstandings about financial obligations.
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Translating '工资卡' too literally as 'salary card' in English conversation.
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Use terms like 'payroll card,' 'direct deposit card,' or simply refer to the bank account.
While 'salary card' is understandable, it's not a standard phrase in most English-speaking contexts. Using more common English equivalents will make your communication smoother.
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Referring to the account as the card.
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Distinguish between '工资卡' (the card) and '工资账户' (the account).
The '工资卡' is the tool to access the '工资账户.' While they are closely linked, they are technically different. For example, you provide your '工资账户号' (salary account number) for direct deposit, not necessarily your card number.
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Pronouncing 'zi' in '工资' incorrectly.
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Pronounce 'zi' with a soft 'dz' sound, similar to 'dzuh,' not like 'zee' in 'see'.
Incorrect pronunciation of the 'zi' sound can make the word sound unclear or foreign. Practicing the specific Mandarin 'zi' sound is important for accurate pronunciation.
Tips
Know Its Primary Purpose
Remember that '工资卡' specifically refers to the card where your salary is deposited. While you can use it for other transactions, its main identity is tied to your income.
Common Verbs
Pair '工资卡' with verbs like '存' (cún - to deposit), '取' (qǔ - to withdraw), '查' (chá - to check), '刷' (shuā - to swipe/spend), and '丢' (diū - to lose) for natural sentence construction.
Visual Association
Imagine a large 'Gong' (工资) striking a 'Car Key' (卡) – this visual can help you remember the meaning of 'salary card'.
Workplace Relevance
This term is highly relevant in work environments. When discussing employment or payroll in China, '工资卡' is a key piece of vocabulary.
Protect Your Card
Like any bank card, keep your '工资卡' information secure. Report it lost or stolen immediately to the bank.
Distinguish from Credit Cards
Understand that a '工资卡' is usually a debit card for your own earnings, unlike a credit card which involves borrowing.
Practice Tones
Pay attention to the tones when saying 'gōngzī kǎ' to ensure clear communication. Practice the falling tone on 'gōng' and the neutral tone on 'zī'.
General vs. Specific
While '银行卡' (bank card) is general, '工资卡' is specific. Use '工资卡' when the salary aspect is important.
Financial Hub
Your '工资卡' is often the central point for your income, making it a key tool for budgeting and financial planning.
Integrate into Sentences
Actively try to use '工资卡' in your own Chinese sentences, whether writing or speaking, to reinforce your learning.
Memorize It
Mnemonic
Imagine a 'King' (工资 - gōngzī sounds a bit like 'gong' which can be regal) giving you a 'Car Key' (卡 - kǎ sounds like 'car') as your salary. The 'King's Car Key' is your salary card!
Visual Association
Picture a debit card with a large dollar sign ($) or a stack of coins on it, and above it, the Chinese characters '工资卡' clearly displayed. You can also visualize a person receiving a card directly from their employer's hand.
Word Web
Challenge
Try to explain what a '工资卡' is to someone who has never heard of it, using only simple English and hand gestures. Focus on the core concept: it's a card for your salary.
Word Origin
The term '工资卡' is a relatively modern compound word, formed by combining '工资' (gōngzī), meaning 'salary' or 'wages,' and '卡' (kǎ), meaning 'card.' This combination reflects the technological advancement and the widespread adoption of bank cards for salary payments in China.
Original meaning: Salary Card.
Sino-Tibetan (Chinese)Cultural Context
The term itself is not sensitive. However, discussions about salary amounts or financial difficulties can be sensitive depending on the context and the relationship between the speakers.
In English-speaking countries, the equivalent concept is typically referred to as a 'payroll card,' 'direct deposit card,' or simply by mentioning the bank account into which salary is deposited. The term 'salary card' itself is less common in everyday conversation.
Practice in Real Life
Real-World Contexts
Starting a new job and setting up payroll.
- 请提供您的工资卡号。
- 我的工资将打入这张工资卡。
- 这是您的新工资卡。
Discussing personal finances with friends or family.
- 我工资卡里的钱不多了。
- 我打算用工资卡里的钱买个新手机。
- 你查过工资卡余额吗？
Interacting with bank staff.
- 我想更新我的工资卡信息。
- 我的工资卡不小心丢了。
- 请帮我查一下工资卡上的交易记录。
Making purchases or using payment apps.
- 我可以用工资卡支付吗？
- 我把工资卡绑定到了微信。
- 刷工资卡买东西很方便。
Talking about salary and income.
- 这个月的工资卡收到了。
- 我的工资卡是XX银行的。
- 工资卡里的钱很快就花完了。
Conversation Starters
"Have you received your salary on your '工资卡' yet this month?"
"How do you usually manage the money in your '工资卡'?"
"Do you prefer using your '工资卡' for online shopping or in physical stores?"
"What's the first thing you usually do after your salary is deposited into your '工资卡'?"
"Is it common in your country to have a specific card just for salary, like a '工资卡'?"
Journal Prompts
Describe a time you used your '工资卡' for a significant purchase. What was it, and how did you feel?
Reflect on the convenience of having a '工资卡'. How has it simplified your financial management compared to older methods?
Imagine you lost your '工资卡'. What steps would you take immediately, and what would be your biggest concern?
If you could design your ideal '工资卡', what special features or benefits would it have?
How does the concept of a '工资卡' reflect the financial practices and technological advancements in China?
Frequently Asked Questions
10 questionsA '工资卡' is a bank card, typically a debit card, that your employer uses to deposit your salary directly into. It's the primary card for receiving your wages in China. Think of it as your official paycheck card.
Yes, absolutely. Once your salary is deposited into your '工资卡,' it functions just like any other debit card. You can use it for purchases in stores, online, and to withdraw cash from ATMs.
No, they are different. A '工资卡' is usually a debit card linked to your bank account, meaning you spend your own money that has been deposited into it. A credit card allows you to borrow money from the bank to make purchases, which you then need to repay.
If you lose your '工资卡,' you should immediately contact the bank that issued the card to report it lost and request a replacement. You should also inform your employer about the situation.
Typically, you will have one designated '工资卡' linked to your current employer. However, you might have other bank cards (like savings accounts or credit cards) from the same or different banks for other purposes.
Yes, '工资卡' is a very common and widely understood term in China. It's a practical part of daily life for most employed individuals.
Like most bank cards, a '工资卡' will have your name, the bank's name and logo, a card number, and an expiration date. It may also have the bank's specific branding for salary cards.
Often, yes. When you receive a new '工资卡,' the bank or your employer will usually provide instructions on how to activate it, which might involve setting a PIN or making an initial transaction.
Banks may have policies regarding dormant accounts. If a '工资卡' is inactive for an extended period, the bank might freeze the account or even cancel the card. It's best to check with your bank about their specific policies.
The specific term '工资卡' is primarily used in Mandarin Chinese. In other countries, similar concepts exist but are referred to by different names, such as 'payroll card' or simply by the bank account used for direct deposit.
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Summary
The '工资卡' (gōngzī kǎ) is the dedicated bank card used by employers to deposit your salary. Think of it as your official paycheck card, which you can then use for everyday transactions just like any other debit card.
- A '工资卡' is a bank card for receiving salary.
- It's where employers deposit your wages.
- Functions like a regular debit card for spending.
- Essential for personal finance in China.
Know Its Primary Purpose
Remember that '工资卡' specifically refers to the card where your salary is deposited. While you can use it for other transactions, its main identity is tied to your income.
Common Verbs
Pair '工资卡' with verbs like '存' (cún - to deposit), '取' (qǔ - to withdraw), '查' (chá - to check), '刷' (shuā - to swipe/spend), and '丢' (diū - to lose) for natural sentence construction.
Visual Association
Imagine a large 'Gong' (工资) striking a 'Car Key' (卡) – this visual can help you remember the meaning of 'salary card'.
Workplace Relevance
This term is highly relevant in work environments. When discussing employment or payroll in China, '工资卡' is a key piece of vocabulary.
Related Content
More work words
充裕的
B2Abundant, ample, or sufficient in quantity.
事故
A2accident; mishap
依照
A2According to; in accordance with.
准确地
A2accurately, precisely
做到
A2to achieve; to accomplish
积极地
A2actively; enthusiastically
应变
B2Adaptive; capable of dealing with emergencies.
行政
A2Administration; the management of affairs.
过后
A2Afterwards; at a later or subsequent time.
赞同
A2To approve of, to endorse; to agree with or support.
