With the ending of transition period while China joined into WTO, China banking has to face opportunities and challenges which it has never met before. As a main part of commercial bank's products, bank card business has drawn great interest from the bankers. The bank card innovation ability decides bank's competitiveness and operation base of commercial banks. Therefore, not only is it profoundly significant to research the innovation ability of bank card business in theory but also in reality. The paper compares Hubei Agricultural Bank's bank card innovation ability with that of other commercial banks' in Hubei province, and manages to analyze the advantages and weaknesses in Hubei Agricultural Bank's bank card business. It also indicates the existing problems in Hubei Agricultural Bank, such as unsuitable structure of bank card business, insufficient product's categories, inadequate cooperation amomg different bank card businesses, inefficient products' management system and Value-added Service. Finally, it imposes countermeasures on the existing problems.
