ICBC's personal customer stars are divided into contribution stars and service stars according to different purposes. Among them, the star of contribution is the embodiment of users' actual contribution and the basis of performance evaluation and information disclosure. The basis for service star users to enjoy preferential bank services.

If it is a service star, four stars can apply for a gold card and six stars can apply for a platinum card. If it is a contribution star, there is no direct correspondence with the credit card level, but the higher the contribution star, the higher the credit card limit will be.