The main differences between the three levels of ICBC credit cards: regular card, gold card and platinum card are as follows:

1. Differences between regular card, gold card and platinum card - —Limit level

Public card limit: 0-10,000 yuan;

Gold card limit: 10,000-50,000 yuan;

Platinum card: limit 5 More than 10,000 yuan but less than 1 million.

2. The difference between regular card, gold card and platinum card - annual fee standard

The higher the ICBC credit card level, the higher the annual fee.

The annual fee is 50 yuan for domestic ordinary cards, 100 yuan for gold cards, 100 yuan for international dual currency cards, 200 yuan for gold cards, 200 yuan for business ordinary cards, 400 yuan for gold cards, and 2,000 yuan for platinum cards. .

3. Differences between regular cards, gold cards and platinum cards - no annual fee policy

The annual fees for all supplementary cards are half of the annual fees for the main card.

Public card and gold card holders will be exempted from the annual fee for the following year by swiping the card 5 times or 5,000 yuan (student card 3 times or 3,000 yuan, platinum card 160,000 points in exchange for an annual fee or 200,000 yuan) Annual fee is waived) and the annual fee is waived for that year.

Platinum cardholders who have accumulated a consumption of 4 million yuan can be given a permanent annual fee exemption for their primary and secondary cards. ICBC credit cards do not charge annual fees if they do not open the card.

4. Differences between regular cards, gold cards and platinum cards - credit card preferential policies

Promotional discounts enjoyed by platinum cards, gold cards and regular cards with different co-branded themes of ICBC credit cards at different times The policies are also different. The platinum card enjoys more benefits and discounts than the gold card, and the gold card enjoys more benefits than the ordinary card.

In short, the higher the level, the more services you can enjoy, and the corresponding application conditions and annual fee requirements will be higher.

Gold Card application conditions:

The basic conditions for applying for a Gold Card include but are not limited to (one of them is sufficient):

1. Applicant’s monthly average The income is more than RMB 4,000 or the equivalent in foreign currency, the comprehensive credit status is good, and there is no bad credit record;

2. The cumulative consumption amount of credit card holders of our bank in the past year has reached RMB 10,000 or equivalent. Customers who value foreign currency (excluding occasional large purchases such as car and house purchases or production and business consumption) and have made purchases 6 times in the past year.

Platinum Card Application Conditions:

1. Customers of our bank or other banks, the annual consumption amount of card holders reaches 100,000 yuan and the number of transactions reaches 24; or holders of other banks Platinum card customers of the bank's credit cards

2. Our bank's existing VIP customers of Peony International Credit Card

3. The average daily deposits in our bank or other banks for more than half a year (inclusive) reach 500,000 Individual customers whose personal deposits are more than RMB 1 million (inclusive) or whose personal deposits are more than RMB 1 million (inclusive)

4. Customers who are airline gold card (inclusive) or above members who cooperate with our bank