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Which ICBC platinum card is the best?

Which ICBC platinum credit card is better? Comparison of Platinum Credit Cards

As of now, there are six types of ICBC Platinum Credit Cards, namely ICBC Credit Cards. Platinum card categories include Peony Platinum Credit Card (UnionPay standard) and Premium Platinum Credit Card (UnionPay brand). , Peony Platinum Credit Card (Visa brand), Peony Platinum Credit Card (MasterCard brand), Peony Platinum Credit Card (American Express brand), ICBC Express Centurion Platinum Card. Which of these six platinum credit cards is the best? How should I choose?

1. ICBC Platinum Credit Card Annual Fee Discount Service

1. Peony Platinum Credit Card (UnionPay Standard)

If you are using the card within the year, the total accumulated in this account during the year will be If the amount of card consumption reaches RMB 200,000 or equivalent (excluding online consumption, house purchase, car purchase, wholesale, charity and other consumption at merchants deemed by ICBC as not being able to accumulate points), our bank will take the initiative to reduce or reduce the annual fee of the primary and secondary cards for you.

If during the year of using the card, your accumulated card consumption in this account does not reach 200,000 yuan or its equivalent (excluding online consumption, house purchase, car purchase, wholesale, charity and other items deemed by ICBC as not being able to accumulate points) merchant consumption), you can redeem the annual fee through credit card points. A platinum card with accumulated credit card points that reaches 140,000 points can be exchanged for a one-year annual fee for the main card; a platinum card with a accumulated credit card points that has accumulated 70,000 points can be exchanged for a one-year annual fee with the supplementary platinum card. The points can be redeemed for multi-year annual fees at one time.

For platinum card customers, the cumulative consumption is 4 million yuan or equivalent (excluding online consumption, house purchase, car purchase, wholesale, charity and other consumption from merchants recognized by ICBC as not being able to accumulate points) and the accumulated credit card points reach 4 million, the primary and secondary cards can be given a permanent annual fee exemption.

2. Peony Platinum Credit Card (Visa brand), Premier Platinum Credit Card (UnionPay brand), Peony Platinum Credit Card (MasterCard brand) services, Peony Platinum Credit Card (MasterCard brand) services

If during the year of using the card, your accumulated card consumption in this account reaches 200,000 yuan or its equivalent (excluding online consumption, house purchase, car purchase, wholesale, charity and other consumption at merchants deemed by ICBC as not being able to accumulate points), Our bank will take the initiative to reduce or reduce the annual fee for your primary and secondary cards for this year.

If during the year you use the card, the accumulated card consumption in this account does not reach 200,000 yuan or its equivalent (excluding online consumption, house purchase, car purchase, wholesale, charity and other things that ICBC determines are not allowed to accumulate points) merchant consumption), you can redeem the annual fee through credit card points. A platinum card with a cumulative credit card score of 160,000 points can be redeemed for a one-year annual fee for the main card; a platinum card with a cumulative credit card score of 80,000 points can be redeemed for a one-year annual fee for the supplementary platinum card. The points can be redeemed for multi-year annual fees at one time.

For platinum card customers, the cumulative consumption is 4 million yuan or equivalent (excluding online consumption, house purchase, car purchase, wholesale, charity and other consumption from merchants recognized by ICBC as not being able to accumulate points) and the accumulated credit card points reach 4 million, the primary and secondary cards can be given a permanent annual fee exemption.

Two and six types of ICBC Platinum Credit Card fee discounts

Peony Platinum Credit Card (UnionPay standard), Premier Platinum Credit Card (UnionPay brand), Peony Platinum Credit Card (Visa brand), Peony Platinum Credit Card (American Express brand) The three types of Platinum Card service fee discounts are reflected in the exemption of six categories of service fees. As a platinum card customer, you will enjoy the following fee reduction privileges: handling fees for domestic withdrawals and transfers to other places, handling fees for deposits and transfers to other places with domestic cards held by domestic cards to your own credit card, handling fees for order adjustment, replacement bill fees, handling fees for letter express delivery, Loss report handling fee.

The Peony Platinum Credit Card (Mastercard brand) waives eight categories of service fees. As a platinum card customer, you will enjoy the following fee reduction privileges: handling fees for domestic withdrawals and transfers to other places, handling fees for deposits and transfers to other places with domestic cards held by domestic cards to your own credit card, handling fees for order adjustment, replacement bill fees, handling fees for letter express delivery, The handling fee for reporting loss, the handling fee for reporting loss of PP card and the handling fee for reissuing a new PP card.

The best platinum card of ICBC in 2022

The best platinum card of ICBC in 2022 is the ICBC Golden Eagle Platinum Card. This is a card that integrates shopping malls, bookstores, and lifestyle centers. A multi-functional membership card that is common to all businesses, the Platinum Card can reduce the annual fee of the main and additional cards if you spend a total of RMB 200,000 in the card year. 1. Golden Eagle’s exclusive rights and interests: 1) Late check-out and designated room upgrade rights at its hotels; 2) Member rights for its bookstores; 3) 12% off for its business purchases. 2. Financial rights: 1) Apply for domestic airport and high-speed rail VIP room services; 2) 1 yuan parking at the airport. 3. Regional special rights and interests: 1) Nanjing Niushou Mountain ticket discount, free for the first time, 50% off later; 2) Exclusive rights and interests of Caesar Travel East China store, half-price one-on-one service for customized routes, 10% off regular price, overseas air ticket service, etc.

How about ICBC Platinum Credit Card? What types are there?

The Peony Platinum Credit Card (UnionPay standard) is the first domestic standard-compliant chip platinum card jointly issued by ICBC and China UnionPay. It uses a standard chip, which greatly improves product security.

The Premium Platinum Credit Card (UnionPay brand) is the first domestic UnionPay brand Premium Platinum Credit Card product jointly issued by ICBC and China UnionPay, providing cardholders with a higher level of service and more comprehensive service content. Value-added services allow you to enjoy supreme treatment and live a supreme life.

The Peony Platinum Credit Card (Visa brand) is the first dual-currency platinum credit card in mainland China that meets EMV standards in cooperation with ICBC and VISA International. The use of EMV standard chips has greatly improved the product’s efficiency. Security.

Peony Platinum Credit Card (MasterCard brand) is a high-end credit card issued by ICBC for high-quality customers. It spreads elite culture, highlights the connotation of high-quality products, provides exquisite services, and enjoys a wonderful life exclusively, allowing you to get real benefits through using the card. Platinum experience.

The Peony Platinum Credit Card (American Express brand) is the first American Express-branded platinum credit card product in mainland China in cooperation with ICBC and American Express. This product has become a top credit card with high value-added privileged services and extraordinary experience. A new benchmark in products.

ICBC American Express Centurion Platinum Card is a high-end RMB/USD dual-currency credit card specially designed by ICBC for elites from all walks of life. In addition to enjoying various benefits and rights of ICBC Platinum Card, cardholders can also You can also enjoy various specially selected American Express Centurion benefits, including participation in exclusive and private salon activities, global travel discounts and global golf discounts.

I would like to ask which card type is better for ICBC credit cards

I recommend the following ICBC credit cards with richer benefits and higher limits:

1. ICBC Shangri-La co-branded platinum card;

2. ICBC Universe Constellation Credit Card;

3. ICBC JD Little White Card.

These card types are all worth applying for. You can refer to them and choose the most suitable card according to your needs.

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That’s all for the introduction of which ICBC Platinum Credit Card is better.