ICBC, Cosmos Bank! The bank with the largest number of credit cards in China has strong card issuance capabilities! There are many types of cards issued, with more than a hundred cards to choose from! What specific card types are worth trying? Let’s talk about it in detail today!

Before analyzing various types of credit cards, let’s talk about the overall situation and some general contents of ICBC credit cards.

Introduction to the credit card system:

As you can see, ICBC has clearly divided the credit card system. There are standard, interesting, female, official, digital, various co-branded card series, etc. The product line is very clear!

Levels can be divided into: black gold card, platinum card, (simple platinum, unbounded platinum) gold card and ordinary card.

Among them, the annual fee for the ordinary platinum card (non-rigid annual fee platinum) is 2,000 yuan/year. If you use the card for a total of 200,000 yuan in spending within one year, the annual fee for the primary and secondary cards under the account will be reduced for this year. There is a one-year annual fee for the primary redemption Platinum Card with accumulated points of 140,000, and a one-year annual fee for the secondary redemption Platinum Card with accumulated points of 70,000 points.

Airport high-speed rail travel rights:

For all platinum cards (excluding simple platinum and regional platinum) and black gold cards, if the annual consumption reaches the standard or the rigid annual fee is paid, you can get love points ;

Love points can be used to deduct points for escorts, pick-ups, quick security checks, and parking;

According to households, holding more does not accumulate the value of love and enjoyment;

1. Black gold card. After activating the card, ICBC Black Gold Card customers can use global VIP lounges unlimited times and can bring companions (up to 3 people at a time). It is also equipped with 10 values ??that can be exchanged for other rights and interests, and can be used in the VIP lounge or exchanged for other travel rights.

2. Platinum card customers with a consumption amount of 200,000 yuan or more and platinum card customers with rigid annual fees. I have unlimited access to global VIP lounges and have 10 other redeemable rights and interests, which can be used for VIP room companionship or exchange for other travel rights.

3. Platinum card customers who spend 100,000 yuan (inclusive) to 200,000 yuan. 8 free love points are given, which can be used for VIP room privileges or exchanged for other travel privileges. Lounge access can be used with your companions.

Platinum card customers who spend less than 41,000 yuan and new platinum card customers starting from 2020. 6 free love points, which can be used for VIP room rights or exchanged for other travel rights. VIP room rights can be accompanied.

Let’s talk about the card types of ICBC in detail that are worth knocking down:

1. ICBC Shangri-La Platinum Card

Known as the strongest wool card, it can Redeem various hotel benefits, services and discounts through Shangri-La membership and points. These can not only be enjoyed by yourself, but can also be achieved through some channels!

You will apply for two cards (UnionPay VISA or UnionPay MasterCard), and both cards must be activated. The foreign currency card is the main card.

Platinum cardholders who successfully apply and activate before December 31, 2020 will be exempted from the first-year annual fee, and those who successfully apply for and activate VIP Gold Circle Diamond and Emerald membership will be exempted from the annual fee for three years.

Core benefits:

1) VIP Golden Circle members. After you apply for the card and get off the bus, you will automatically obtain the gold membership of Shangri-La VIP Gold Ring Club;

2) 12,033,601 accumulated Shangri-La points will be imported into the Shangri-La member account before the end of the next month;

3) High insurance. 4 million yuan of aviation accident insurance, travel inconvenience insurance, and account security insurance;

4) You can enjoy a 10% discount on global hotel accommodation, a 15% discount on global hotel dining, and a 20% discount on annual fitness cards (if available) Event time, subject to official announcement)

5) Quickly upgrade to Jade Member of VIP Gold Ring Club.

You can apply for other cards through the 3136 Express card issuance channels at the outlets. It is the first choice among platinum cards!

2. Cashback series for major purchases

1. Industrial and Commercial Bank of China Global Travel Platinum Card

It is also a problem with the "1 1" card. When you place a card, you will get two cards, a MasterCard single logo and a UnionPay single logo.

The rigid annual fee is 2,000 yuan/year, and the additional card fee is halved.

Core benefits:

1) 2% cash back on pens and pens consumed abroad. When you spend with Mastercard overseas (including online), you can enjoy 2% cash back for each purchase.

Maximum monthly ca

1) 1% cash back on domestic and overseas transactions (except wholesale, house purchase, car purchase, charity and other large non-daily consumption transactions), the maximum cash back limit for Platinum Card is 500 yuan/month 5,000 yuan per year. Last year's cash back amount was sufficient.

2) Enjoy 10 points in unlimited global VIP rooms.

Three. Airline co-branded card

1) Phoenix Yin Zhi Peony Credit Card

2) China Southern Airlines Sky Pearl Peony Credit Card

3) ICBC Eastern Airlines Credit Card

4) Peony HNA Credit Card

They are both 1 1-inch cards. Synchronize VISA or MasterCard single ID with UnionPay single ID.

In the series of earning airline miles, Platinum Card, Gold Card and Regular Card actually have the same mileage conversion ratio. Compared with other banks, ICBC's conversion ratio is average, Air China and China Southern Airlines 1,533,601; China Eastern Airlines 1,833,601; HNA 16:1.

4. Owner Series

1. ICBC Auto Plus Credit Card

Plus cards are divided into platinum cards, gold cards and ordinary cards.

Core benefits:

1) 6% 2% rebate on gas. By December 31, 2020, Cheka cardholders can enjoy 6% and 2% cash back discounts every weekend (Saturday and Sunday) when refueling at more than 20,000 gas stations across the country (please click to check). Each customer can only enjoy one discount per weekend, with a maximum cash rebate of 30 yuan per week and a maximum cash rebate of 150 yuan per month.

2) Unlimited global VIP room 10 love value (Platinum exclusive)

3) 4 million aviation accident insurance and travel inconvenience insurance (Platinum exclusive)

2. ICBC ETC Credit Card

The next card is free of annual fees for 10 years.

Core benefits:

1) By December 31, 2020, 5% of the more than 20,000 PetroChina gas stations across the country will receive cash rebates for refueling.

The maximum cash back is 20 yuan each time, and the maximum cash back is 100 yuan per month;

2) Cash installment rate is 30% off, and early repayment fees are waived.

3) Free ETC;

4) 50% discount on expressway passes (specific details are subject to the announcement of the local expressway department);

5) Binding Points can be earned through Alipay, WeChat and JD Pay;

6) "Zhixingtianxia" one-stop car owner platform.

5. Others:

1. ICBC Forbidden City Co-branded Platinum Card

Advantages: UnionPay single currency. Eliminates the impact of multiple currencies on the letter. If you don’t care about the quota, you can consider it!

Core benefits:

1) 6 free love points. It can be redeemed for global VIP lounge rights or airport pick-up and drop-off, fast security lanes, parking and collection, etc.

2) 1% cash back on overseas UnionPay online purchases. Before December 31, 2020, when you swipe or bind your card at all offline merchants in the overseas UnionPay network and designated online cross-border merchants, you can enjoy 1% cash back on every purchase (wholesale, house purchase, car purchase, charity and other large non-daily purchases). Except for consumer transactions). The upper limit of cash rebate is 1,000 yuan per month. The cashback currency is RMB.

3) Bind WeChat and JD Pay to enjoy points.

4) Instant discounts on admission to the Palace Museum, rental of tour guides for 1 yuan, discounts on corner coffee from "Internet celebrities", etc.

2. ICBC WeHotel Platinum Card

A co-branded card product jointly launched by Industrial and Commercial Bank of China and WeHotel, the Internet booking platform of Jinjiang International Group.

UnionPay’s single currency does not affect the Economic Times!

If you spend a total of RMB 200,000 with your card, the annual fee for the primary and secondary cards under the account can be reduced or exempted.

Core benefits:

Before December 31, 2020

1) If you successfully apply for the card and activate it, you will receive a 100 yuan discount coupon (including 100 yuan for Jinjiang Hotel App Coupon gift package), and simultaneously obtain Jin Jiang Hotel Blue Card membership, and enjoy membership benefits such as 50% off on bookings on Jin Jiang Hotel’s official platform.

2) Room gift for full stay. Book a room night on the Jin Jiang Hotel App and pay online, and you will receive a complimentary room-night budget hotel voucher for every 10 room-night stays. Each person can receive up to 5 room-nights per year.

3) Points can be redeemed for room charges.

In the Jinjiang Hotel area in the ICBC e-Life App, ICBC personal comprehensive points can be exchanged for Jinjiang Hotel standard points at a ratio of 20:1. The points are permanently valid and can be used in the Jinjiang Hotel App-Bo Museum Mall.

4) Platinum card gives you 6 love points;

5) High insurance.

3. World Struggle Credit Card

One of ICBC’s main card types, it is divided into three levels: simple platinum, gold, and regular.

The annual fee is waived during the validity period.

“1 1” card application, the issuance model of UnionPay and MasterCard.

Many people got their first ICBC card by holding the card!

Core benefits:

1) Up to 25% cash back at designated MasterCard merchants;

2) MasterCard installment discounts up to 90 yuan with JD.com E Card;

3) Booking.com offers up to 10% cash back;

4. Cosmic Constellation Card

Good-looking card. No annual fee while the card is valid!

It is divided into two levels: simple platinum and gold, with 12 exclusive card faces of high-looking constellations.

“1 1” card issuance: UnionPay VISA” brand 1 1 issuance model.

10 times the points for spending on your birthday.

5. ICBC Zodiac Platinum Card

12 zodiac card faces, UnionPay single currency, does not affect Hong Kong Economic News

Core benefits:

Before December 31, 2020

< p>1) 12306 tickets have a chance to enjoy random instant discounts when you pay on the 12306 platform through the UnionPay payment channel. The maximum instant discount is 20 yuan and the minimum is 1 yuan. Each card can enjoy this instant discount at most once per day. The total monthly allocation limit is 80,000 yuan, first come first served.

2) The monthly cash rebate limit for each card is 1%. 1,000 RMB, cashback funds will be credited at T 1. The total funds during the event are capped at 320,000 RMB, and will be on a first-come, first-served basis.

3) Global airport high-speed rail travel privileges

4) The first payment made by binding the card is free of charge for the first monthly Cloud QuickPass transaction after the card is activated (Cloud QuickPass transactions refer to: consumption transactions based on the UnionPay Cloud QuickPass app; also include Apple Pay, Samsung Pay, Huawei Pay (including mobile Pay consumption) has the opportunity to enjoy free billing benefits. During the event, each person can receive cash back up to 3 times. The free billing amount is reduced based on the actual consumption amount, with a maximum limit of RMB 50 per time. This benefit is through monthly allocation of total funds. Upper limit control, total monthly funds are capped at RMB 133,000, first come first served until all funds are used up

5. ICBC UnionPay Medical Care Platinum Card

Exclusive card for medical staff, before. Applications are open, and currently only medical staff can apply.

The UnionPay single-logo single-currency card will not affect the Hong Kong Economic and Social News. The card is valid for 10 years.

Apply for life before December 31, 2020. The annual fee is waived. Starting from January 1, 2021, the annual fee for the first year is waived, and the annual fee for the next year is half price.

Core benefits:

1) 6 free love points. ;

2) High-cost insurance;

4) Airport parking for 1 yuan;

5) Airport high-speed rail VIP lounge for 1 yuan;

6) Buy one get one free at the buffet;

7) 1% cash back for cross-border purchases through UnionPay’s overseas network, you will have the opportunity to enjoy 1% cash back on every overseas purchase, with each card receiving monthly cash back. The upper limit is RMB 1,000, and the cashback funds will be credited on T 1. This equity is controlled by the total fund limit. During the event, the total fund limit is RMB 30,000. It is first come, first served until it is used up.

Features: A single-currency bank card, which does not affect the credit card, has acceptable benefits, and the annual fee is waived!

6. ICBC Unbounded Platinum Digital Card

Launched in cooperation with UnionPay Digital card. UnionPay single currency card, does not affect the credit card!

Free annual fee for 5 purchases/5,000 yuan.

The card level is Unbounded Platinum Card, exclusive to China UnionPay. All benefits for platinum card level;

Benefits:

This card type has become popular recently, and many people have successfully obtained their first card and successfully increased their credit limit through this card type!

7. ICBC Happy Installment Credit Card

If you want a loan, you can apply for this. Take this card to the bank to make e-installment interest rates to enjoy preferential rates.

Core benefits:

Exclusive annual installment rate of 3%. Use ICBC Happy Installment Credit Card to apply for e-installment and enjoy a limited-time discount of 3% on the annual rate. Generally, the installment period is 5 years, and the longest period is 8 years. Apply at an ICBC business outlet to apply for the card in real time as quickly as possible, and apply for e-instalment on-site.

6. Top Cards

ICBC American Express Centurion Black Gold Card

Let me recommend this one first, ICBC top card, legendary card, benefits It has everything it should have!

The annual fee is 36,888 yuan/year, and the limit basically starts at 1 million!

Invitation only. No matter how much you save, you may not be invited! Private banking clients with more than 8 million, celebrities, and leaders of large enterprises can apply and try it!

To summarize:

There are still many types of ICBC cards, and there are many to choose from. In recent years, ICBC’s credit card business has also evolved rapidly and is developing in a good direction. In line with the temperament of the universe! It's just that high-end cards are invitation-only and it's not easy to apply. However, ICBC is still a good bank and the favorite of many people!

How to get and use the ICBC card well. This article combines the previous summary to help you grasp the attributes of ICBC and have fun with the bank!

"The most practical suggestions for using ICBC credit cards! Full of knowledge points, this article solves many difficult and complicated diseases for many years! 》Related Q&A: