ICBC Peony Credit Card Fee Standard

ICBC American Express Centurion Black Gold Card Annual Fee

ICBC Express Centurion Black Gold Card Principal Card 18,000 Yuan/card/year; ICBC American Express Centurion Black Gold Card supplementary card is free of annual fees.

ICBC American Express Centurion Platinum Card annual fee

ICBC American Express Centurion Platinum Card main card is 3,600 yuan/card/year; ICBC American Express Centurion Platinum Card deputy The card has no annual fee.

The annual fee for Platinum Card

The main card is 2,000 yuan/card/year; the supplementary card is 1,000 yuan/card/year.

Personal Gold Card Annual Fee

1. Peony Dual Currency and Multi-Currency Credit Card Personal Card: Gold Card Primary Card 200 Yuan/Card/Year; Gold Card Supplementary Card 100 Yuan /card/year.

2. Peony RMB credit card personal card: gold card main card 100 yuan/card/year; gold card supplementary card 50 yuan/card/year.

3. Peony quasi-credit card personal card: gold card main card: 50 yuan/card/year; gold card supplementary card 25 yuan/card/year.

Personal ordinary card annual fee

1. Peony dual-currency and multi-currency credit card personal card: ordinary card main card 100 yuan/card/year; ordinary card supplementary card 50 yuan /card/year.

2. Peony RMB credit card personal card: ordinary card primary card 50 yuan/card/year; ordinary card supplementary card 25 yuan/card/year.

3. Peony quasi-credit card personal card: ordinary card as main card: 25 yuan/card/year; ordinary card as supplementary card: 25 yuan/card/year.

Business card annual fee

1. Peony dual-currency and multi-currency credit card business card: 400 yuan/card/year for gold card; 200 yuan/card/year for ordinary card.

2. Peony RMB credit card commercial card: 200 yuan/card/year for gold card, 100 yuan/card/year for ordinary card.

3. Peony quasi-credit card business card: 100 yuan/card/year for gold card, 50 yuan/card/year for ordinary card.

Special card annual fee

20 yuan/card/year

Smart card annual fee

10 yuan/card/year

Co-branded card annual fee

The annual handling fee for Peony co-branded card (identification card) may be higher than the fee for the attached card type. Other charging items are the same as the card types they are attached to.

Cost fee

In addition to the charging standards for the card type attached to the color photo card, an additional 50 yuan/card is charged.

New card issuance/reissue card/card replacement

1. Chip card 20 yuan/card-40 yuan/card.

2. Smart card costs 15-500 yuan/card. (Smart cards include renewable e-wallet cards, non-renewable e-wallet cards, SIM cards, SD cards (including Apple peel), NFC full mobile phones, etc.).

Reporting lost cards

Credit cards and quasi-credit cards cost 20 yuan/card, and special cards cost 10 yuan/card.

Make up a bill

Request a statement of 5 yuan/month/month for two months (not included)

Adjust the bill

Domestic transaction original is 50 yuan/copy, copy is 10 yuan/copy;

Foreign transaction copy: 1. Peony dual currency credit card 5 US dollars/copy or 5 euros/copy or 50 Hong Kong dollars/copy (the rest ++ account is charged at the equivalent of 5 US dollars++); 2. Peony multi-currency credit card is 5 US dollars per copy.

Credit card credit certificate

100 yuan per unit

Over-limit fee

1. Peony dual-currency and multi-currency credit card 5% of the excess credit limit will be charged, up to 500 RMB or 500 Hong Kong dollars or 500 Macau patacas or 100 US dollars or 100 euros (the remaining ++ accounts will be charged up to the equivalent of 100 US dollars++).

2. Peony RMB credit card charges 5% of the excess credit limit, up to 500 yuan.

Late payment fee

1. Peony dual-currency and multi-currency credit cards are charged 5% of the unpaid portion of the minimum repayment amount, up to a maximum of 500 yuan, 500 Hong Kong dollars, or 500 Macau patacas. Or 100 USD or 100 EUR (remaining ++ accounts are charged up to 100 USD equivalent++).

2. Peony RMB credit card charges 5% of the unpaid portion of the minimum repayment amount, up to a maximum of 500 yuan.

Foreign exchange handling fee

Charged according to the charging standards of bank card cooperative organizations

Domestic emergency card replacement

Peony dual currency, multiple Coin credit card 40 yuan/card

Overseas emergency services

Overseas emergency loss reporting, cash withdrawal, and card replacement handling fees are charged according to the charging standards of bank card cooperative organizations.

Agent for foreign card cash withdrawals

For over-the-counter cash withdrawals at designated outlets, Visa and MasterCard will charge 3% of the cash withdrawal amount, and Diners Club will charge 3% of the cash withdrawal amount. 4% charge.

Remote withdrawal or transfer payment

RMB: 1% of the amount is charged, with a minimum of 2 yuan and a maximum of 100 yuan.

++: Charged according to the amount (including domestic and overseas), the minimum is 3 Hong Kong dollars or 3 Macau patacas or 3 US dollars or 3 euros (other ++ accounts are charged at the minimum equivalent ++ of 3 US dollars).

Use the card to make deposits to other places or transfer funds to your own credit card

RMB: charged according to the amount, with a minimum of 2 yuan and a maximum of 50 yuan.

++: Charged according to the amount (including domestic and overseas), the minimum is 3 Hong Kong dollars or 3 Macau patacas or 3 US dollars or 3 euros (the remaining ++ accounts are charged at the minimum equivalent of 3 US dollars++), the highest 100 Hong Kong dollars or 100 Macau patacas or 15 US dollars or 15 euros (the remaining ++ accounts are charged the equivalent ++ up to 15 US dollars).

Cross-border inquiry

4 yuan/transaction (++accounts are charged the equivalent++ of 4 yuan).

Inter-bank ATM cash withdrawals

4 yuan/transaction, and a handling fee for cash withdrawals in other places will be charged.

Personalized service

Charge according to the agreed price

Credit card inter-bank transfer and remittance handling fee

For each transaction of less than 10,000 yuan (inclusive) , 2 yuan; for tens of thousands of yuan (inclusive), 5 yuan; for 10,000-10,000 yuan (inclusive), 10 yuan; for 10,000-50,000 yuan (inclusive), 15 yuan; for more than 50,000 yuan, transfer The maximum amount is 50 yuan/transaction. For real-time payment, there will be an increase of 20%, up to a maximum of 50 yuan/transaction. If you use other banks' self-service channels, there will be an additional charge of 4 yuan/transaction.

Electronic cash account transfer

2 yuan/transaction.

Letter express

20 yuan/letter

Cross-border ATM cash withdrawal with RMB account/card

For each transaction, press (1% of the cash withdrawal amount % + 12 yuan) in RMB, with a minimum of 14 yuan/transaction and a maximum of 112 yuan/transaction.

Remarks: For details of preferential policies, please refer to the service price list on the ICBC website. If various charges are subject to change, please refer to the ICBC announcement.

What is the annual fee for the ICBC Peony Card?

Different cards have different annual fees. But generally if you use it 6 times within a year, you can waive the annual fee. Peony dual-currency and multi-currency credit card personal ordinary card: 100 yuan/card/year for the main card, 50 yuan/card/year for the supplementary card; Personal ordinary card of Peony RMB credit card: 50 yuan/card/year for the main card, 50 yuan/card for the supplementary card 25 yuan/card/year; personal quasi-credit card: 25 yuan/card/year for main card, 12.5 yuan/card/year for secondary card.

Extended information:

Bank card annual fees usually refer to debit card annual fees, but in a broad sense, they include credit card annual fees, online banking annual fees, etc. Debit cards charge an annual fee, but some banks waive the annual fee. Credit card annual fees are generally charged, and the fees are high, ranging from several hundred.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Credit card installment payment means that when the cardholder uses a credit card to make large purchases, the card-issuing bank pays the merchant a one-time payment for the goods (or services) purchased by the cardholder. Apply to deduct consumption funds in installments from the cardholder's credit card account, and the cardholder will repay according to the monthly credit amount. In the past, credit card installments mainly included bill installments and single consumption installments. Banks usually charged corresponding handling fees based on the number of installments.

Whether it is bill installment or single consumption installment, the premise is that consumption behavior occurs first, and then the bank sets the installment repayment of the credit loan generated.

Clear funds

The merchant who submits the payment receipt will submit the payment receipt or cash withdrawal receipt signed by the cardholder to the acquiring bank, and the bank will settle the payment with the acquiring bank and recover the funds advanced.

The acquiring bank deducts a certain handling fee when making payment to the special merchant, and the acquiring bank makes a payment request to the card issuing bank. This process is accomplished by transmitting the charge file to the card issuing bank.

Payment If the card issuing bank has no objection to the transaction, it will pay the acquiring bank and share the business handling fee with the acquiring bank through withholding. Otherwise, it will enter the stage of chargeback or repayment, and it may even be submitted to a higher-level organization for adjudication.

The cardholder pays the card issuer to issue a statement, that is, a payment notice, to the cardholder at the end of each month or on an agreed date. The cardholder pays the card issuer the corresponding payment if he has no doubts about the transactions on the statement. of payment.

How much will be deducted from the annual fee for ICBC Peony Credit Card?

No annual fee will be charged if the ICBC credit card is not activated. After the credit card is activated, based on the activation date, the annual fee will be charged when the card is held for one year, month to day, and then enters the next annual fee cycle. If the annual fee reduction conditions are met within an annual fee cycle, the annual fee can be reduced.

In the year of use of the ICBC personal credit card gold and regular cards, the annual fee of the primary and secondary cards for the current year can be reduced or exempted if a total of 5 transactions (no limit on the amount) or RMB 5,000 (including equivalent ++) are made with the card. . (Except for Plus series and special products.)

Annual fee charging standards for personal gold and regular cards for main cards (halved for secondary cards):

1. Regular cards: multiple/dual currencies 100 yuan for credit card, 50 yuan for single currency credit card, 25 yuan for quasi-credit card;

2. Gold card: 200 yuan for multi/dual currency credit card, 100 yuan for single currency credit card , quasi-credit card 50 yuan.

Warm reminder:

1.Plus series products charge a rigid annual fee, which will be charged immediately after the card is activated. There is no annual fee reduction or exemption policy;

2.1+1 The annual fee for combined cards is automatically halved by the system, that is, the annual fees for International Card Organization brand cards and UnionPay brand cards are charged at half of the corresponding card level standards.

3. If this is not the case above, please call to verify the annual card fee.

Annual fee for Peony Credit Card of Industrial and Commercial Bank of China:

Peony Platinum Card main card 2,000 yuan/card/year, Peony Platinum Card supplementary card 1,000 yuan/card/year

< p>Gold card main card is 200 yuan/card/year, gold card supplementary card is 100 yuan/card/year

Ordinary card main card is 100 yuan/card/year, ordinary card supplementary card is 50 yuan/card/ Year

Business card gold card 400 yuan/card/year, ordinary card 200 yuan/card/year

Peony RMB credit card personal card:

Gold The main card is 100 yuan/card/year, and the gold supplementary card is 50 yuan/card/year

The main card of the ordinary card is 50 yuan/card/year, and the supplementary card of the ordinary card is 25 yuan/card/year

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Business card gold card 200 yuan/card/year, ordinary card 100 yuan/card/year

Peony quasi-credit card personal card:

Gold card main card : 50 yuan/card/year, gold card supplementary card 25 yuan/card/year

Ordinary card main card: 25 yuan/card/year, ordinary card supplementary card 12.5 yuan/card/year

Business card gold card 100 yuan/card/year, ordinary card 50 yuan/card/year

Peony special card:

Personal card 20 yuan/card/year< /p>

Business card 20 yuan/card/year

Peony smart card electronic wallet card can be renewed with wallet card 10 yuan/card/year

Peony international debit card personal Flat card 10 yuan/card/year

Embossed card 50 yuan/card/year

Annual fee-free policy:

Annual fee for ICBC credit card The charging standard is to use it first and then collect it, that is, the annual fee will not be charged until the account has been opened for one year. In this year, as long as you make 5 transactions or 5,000 yuan (3 transactions or 3,000 for the student card, 160,000 points for the platinum card). or 200,000 (no annual fee), the annual fee will be waived for that year.

I hope my answer is helpful to you!

What is the annual fee for ICBC’s Peony Credit Card (Silver Card)?

First of all, you need to understand what ICBC Peony Credit Card is.

ICBC currently has three types of credit cards: Peony Credit Card (that is, quasi-credit card), Peony Credit Card, and international cards. The Peony Credit Card is not a credit card in the true sense, because there is no interest-free date for overdraft consumption. Once overdraft, you will be charged an interest of 0.05%. But the Peony Credit Card has the function of a debit card, that is, deposits have interest, so this kind of card is used to deposit money first and then spend it.

1. ICBC stipulates that the annual fee can be waived if the Peony Credit Card is used 5 times in a year or a single consumption of 5,000 yuan or more. Online purchases can also be considered as card purchases. If you have opened Alipay or Tenpay, you can recharge it. Each recharge is 0.01 yuan. If you recharge it 5 times, the annual fee will be waived.

2. You can enjoy the annual fee exemption in the first year. The annual fee is calculated from the card opening date to the card opening date of the next year.

3. If the off-site deposit is deposited in cash through the ICBC counter, the handling fee will be waived. (Generally, when you go to the bank counter of ICBC, you will tell the staff that you need to deposit it to your credit card, and then the handling fee will be waived. The staff will know how to operate it.) But if you transfer money through transfer or online banking, you will be charged a handling fee. .

If you purchase through some payment platforms such as Alipay, Tenpay, and eBay, there is no handling fee.

4. For remote withdrawals, a handling fee of 1% is charged, with a maximum cap of 50 yuan.

What are the annual fees for ICBC Credit Card (Peony Card)?

If you use our bank’s personal credit card gold card or regular card for a total of 5 purchases or RMB 5,000 (equivalent to +++) during the year of use, the annual fee for the current year can be reduced~

If the exemption conditions are not met, the annual fee will be charged according to the following standards:

1. Regular cards: 100 yuan for the main card and 50 yuan for the supplementary card; 50 yuan for the main card and 25 yuan for the supplementary card for single currency credit cards Yuan.

2. Gold card: 200 yuan for the main card and 100 yuan for the supplementary card; 100 yuan for the single-currency credit card for the main card and 50 yuan for the supplementary card.

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2. The above annual fees do not include high-end cards, business cards and some special cards. You can reply to the card name inquiry (such as: Platinum Card annual fee). If you want to check the annual fee reduction status of your card, please log in to ICBC e-Life and click "Finance-Card Settings-Card Information".

Is there an annual fee for the ICBC Peony Card?

The ICBC Peony Credit Card has multiple levels, and different levels of credit cards charge different fees.

ICBC Peony Credit Card Annual Fee:

1. Ordinary main card, 25 yuan annual fee, supplementary card 12.5 yuan annual fee;

2. Gold card , 50 yuan annual fee, supplementary card 25 yuan annual fee;

3. Business ordinary card, 50 yuan annual fee;

4. Business gold card, 100 yuan annual fee;< /p>

5. The main Peony Platinum Card is 2,000 yuan/card/year; the supplementary Peony Platinum Card is 1,000 yuan/card/year.

The bank cards issued by the Industrial and Commercial Bank of China are uniformly named Peony Cards. "Peony Card" is the first financial product trademark registered by Industrial and Commercial Bank of China. Industrial and Commercial Bank of China officially issued Peony Credit Card on October 15, 1989. It joined MasterCard International (MASTERCARD) at the end of the same year and joined Visa International Organization (VISA) in early 1990. In the past ten years, eight types of Peony card products have been issued: Peony credit card, Peony Money Link card, Peony special card, Peony co-branded card, Peony color photo card, Peony smart card, Peony identity card and Peony international card, providing cardholders with shopping, consumption and deposit services. A series of services including cash withdrawal, transfer settlement, credit borrowing, automatic withdrawal, collection and payment, installment payment, card rewards, general deposit and redemption, etc. The application fields of Peony Card have gradually penetrated into all aspects of social and economic activities such as commerce, tourism, catering, entertainment, transportation, telecommunications, medical care, education, securities, and taxation. Peony Card's services such as wage payment, utility fee collection, and employee pension payment are widely carried out across the country and have been widely welcomed by relevant parties from all walks of life.

In October 1987, ICBC Guangzhou Branch officially issued the bank’s first regional credit card and named the card “Red Cotton Card”.

The red cotton card uses red cotton (the city flower of Guangzhou) and rice ears (referred to as "sui" in Guangzhou) as the card logo, with Guangzhou Haizhu Bridge as the background image. It is divided into two types: gold card and silver card. The gold card uses gold as the background color, and the silver card The card has a gray background. The Hongmian Card has the functions of savings, transfers and overdrafts, and can be used for deposits, withdrawals, transfers and consumption within the scope of Guangzhou and Panyu County under the jurisdiction of the city.

This is the end of the introduction about the annual fee of Peony Yilong Credit Card and Peony Yilong UnionPay Gold Card. I wonder if you found the information you need?