According to data from the official website of ICBC, ICBC has three types of cards.

1. Peony Money Link Card: It is a savings card and can be used in conjunction with a current passbook. Its biggest feature is that it is easy to apply for. You can apply for it with your valid personal identity document, but overdraft is not allowed.

2. Peony Credit Card: Withdrawal or consumption can exceed the actual amount in the card. The gold card can have an overdraft of 10,000 yuan, and the ordinary card can have an overdraft of 5,000 yuan. Within a few days before the overdraft is repaid, interest will be calculated on the overdraft amount at the rate of 0.05%. However, the credit card application procedures are stricter and applicants need to have a guarantee.

3. Peony Credit Card: It is a card with a higher overdraft limit than a credit card. It is characterized by an interest-free period and a larger credit limit. There is no need to pay interest. The overdraft limit is 10,000 to 200,000 yuan. , more suitable for units and individuals with relatively high reputation and a certain level of consumption.

You can determine the type of ICBC card based on the first 6 digits of the card number:

Deposit card (usually 19 digits): Card numbers starting with 955880, 955881, 955882, 622200, 622202, etc. The card is a Money Link card or an E-Age card; cards starting with 955888, 622208, 621288, etc. are financial gold cards or ICBC Wealth Management gold cards.

Credit card (usually 14-16 digits): the card number starts with 3, 4, 5, or 6.

In addition, there are the following types:

Theme cards: Peony Food Card, 60th National Day Commemorative Card, China Red Card.

Co-branded cards: Peony Parkson Card, Peony China Southern Airlines Card, Peony Card, Peony Mango Card, Peony Art Dragon Card, etc.