One focuses on settlement, and the other focuses on overseas consumption.

In essence, the ICBC Platinum Digital Card is a credit card. It has the basic functions of a credit card, such as overdraft consumption, cash withdrawal, etc. Users only need to fill in the information on the mobile banking APP and submit an application. Generally speaking, after application, the approval can be completed on the same day at the earliest, and the limit is no less than that of traditional credit cards. In addition, the ICBC Platinum Digital Card does not have a physical card, so there is no need to take the card with you when using it. Users can just use a card that can be bound to UnionPay, Alipay or WeChat. After activating the Cloud Quick Pass function, cardholders can receive a 10 yuan voucher for free at the five major convenience stores of China Resources Vanguard, FamilyMart, Walmart, Yonghui, and Carrefour. After the cardholder successfully applies for insurance, he or she can enjoy up to 10 yuan for free. 30,000 yuan voucher. If you spend 6 days in China every quarter and scan the UnionPay QR code for 20 yuan at least once a day, you can get any one of the four memberships of JD.com PIUS, Tencent Video, Zhihu Selection, and KEEP. In addition, ICBC Platinum Digital Card cardholders can also enjoy Yicang Gallery ticket discounts, cross-border payment cash rebates, "optimal solutions" and other benefits.

ICBC WeChat Card Black Card is actually a MasterCard single-logo all-currency credit card of ICBC WeChat Card. The card surface is designed with a black background. This credit card product mainly supports consumption overseas, and users can choose not to use this credit card. However, if it is not used, it is recommended not to go through the activation procedures. Once activated, annual fees will be incurred even if it is not used.