You should find a private agent, but there will be an upfront fee.

If you go to a regular bank to apply for a credit card, there is no fee. There is also no fee for applying online.

ICBC credit card is the most widely issued credit card in China. At present, the main types of ICBC credit cards include Peony International Credit Card, Peony Credit Card, and Peony Credit Card. According to the brand of ICBC credit cards, they are divided into Peony Visa Card, Peony MasterCard and Peony Express Card. According to the credit level, it is divided into platinum card, gold card and ordinary card. According to the objects of issuance, they are divided into business cards and personal cards. Personal cards are divided into main cards and supplementary cards.