(1) Peony Credit Card
Peony Credit Card is a peony credit card issued by Industrial and Commercial Bank of China, which gives cardholders a certain credit limit, within which they can repay first and then enjoy an interest-free repayment period, and the deposit is interest-free. Peony credit cards are divided into RMB credit cards, dual-currency credit cards and multi-currency credit cards according to account currencies.
Renminbi credit cards can be used at domestic and overseas acceptance points with UnionPay logo, settled in Renminbi, and have the functions of credit consumption, transfer settlement and cash deposit and withdrawal.
Dual-currency credit cards can be used at home and abroad, and can be settled in RMB and a designated foreign currency, with the functions of credit consumption, transfer settlement, cash deposit and withdrawal, etc.
Multi-currency credit cards can be used at home and abroad, settled in RMB and various designated foreign currencies, and have the functions of credit consumption, transfer settlement, cash deposit and withdrawal, etc. If there is no foreign currency corresponding to the transaction currency, the primary foreign currency designated by the bank will be used for bookkeeping. Unless otherwise specified below, dual-currency credit cards include multi-currency credit cards.
(2) Peony quasi-credit card
Peony quasi-credit card is issued by Industrial and Commercial Bank of China, which gives the cardholder a certain credit limit, within which the cardholder can repay first and then, and does not enjoy the interest-free repayment period.
Peony quasi-credit card can be used at domestic and overseas acceptance points with UnionPay logo, settled in RMB, and has the functions of credit consumption, transfer settlement and cash deposit and withdrawal.
(3) Peony International Debit Card
Peony International Debit Card is a dual-currency debit card issued by Industrial and Commercial Bank of China, which can be used at home and abroad.
Peony international debit card is settled in RMB or designated foreign currency, and has the functions of consumption, transfer settlement, cash deposit and withdrawal, etc. Overdraft and offline consumption (such as overseas online transactions) are not allowed.
(4) Peony special card
Peony special card is a debit card issued by Industrial and Commercial Bank of China, which is used in specialized industries except department stores, restaurants and entertainment industries.
Peony special card can only be used in certain areas of China, and it is settled in RMB, and has the functions of cash deposit and withdrawal, transfer and settlement.
(5) Peony Commemorative Card
Peony Commemorative Card is a prepaid wallet debit card issued by Industrial and Commercial Bank of China. The issuing bank transfers its funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card when trading.
Peony commemorative cards are only used in specific regions, industries or units in China, and are settled in RMB with consumption function.
(6) Peony co-branded card
Peony Co-branded Card is a peony card jointly issued by China Industrial and Commercial Bank and for-profit organizations (non-profit organizations).
Peony joint (identification) cards are divided into joint (identification) credit cards, joint (identification) quasi-credit cards, joint (identification) special cards and joint (identification) commemorative cards according to the peony credit card products, and their functions and application scope are the same as those of the peony card.
(7) Peony chip card
Peony Chip Card is a peony card with a chip issued by Industrial and Commercial Bank of China. According to the information reading mode, it is divided into contact card, non-contact card and dual-interface card; According to technical standards, it is divided into PBOC standard and EMV standard, both of which support debit application and credit application; According to whether the key system is symmetrical or not, it can be divided into electronic cash and electronic wallet, among which electronic wallet is also called peony smart card.
Peony chip card includes financial application and industrial application. Financial applications include lending applications and electronic cash and electronic wallet based on lending applications, in which electronic cash and electronic wallet are financial application functions that support transactions such as deposits, withdrawals and offline consumption; Industry application is an industry application function developed in combination with relevant industry norms.
When used through chip media, it should be used in standard ATM, POS and other machines; When used through the magnetic stripe medium, the function and scope of use are the same as those of the peony card attached.
(8) Peony color photo card
Peony color photo card is a peony credit card issued by China Industrial and Commercial Bank with color photos of cardholders.
Peony color photo cards are divided into color photo credit cards and color photo quasi-credit cards according to different peony credit card products. The peony color photo card has the same function as the peony credit card attached.
(9) Peony shaped card
Peony shaped card is a non-standard peony card issued by China Industrial and Commercial Bank.
The peony special-shaped card has the same function as the peony card attached.