1. ICBC card is a bank card issued by Industrial and Commercial Bank of China. ICBC cards are mainly divided into two types, one is a savings card and the other is a credit card. Deposit cards mainly provide bank card services for customer access functions, which can be used for cash withdrawals, transfers, investment and financial management. Deposit cards are divided into different types of cards.

2. ICBC debit cards generally deposit money first and then spend money. It does not have an overdraft function. Debit cards can also be divided into transfer cards (including savings cards), special cards and stored-value cards. It can transfer and settle accounts, deposit and withdraw cash, shop and spend, buy and sell funds, pay bills, etc.

1. Determine the type of ICBC card based on the first 6 digits of the card number:

1. Debit card (usually 19 digits):

The card number is 955880, Cards starting with 955881, 955882, 622200, 622202, etc. are Money Link Cards or E-Age Cards; cards starting with 955888, 622208, 621288, etc. are Gold Management Cards or ICBC Wealth Management Gold Cards.

2. Credit card (usually 14-16 digits):

The card number starts with 3, 4, 5, or 6. In addition, there are theme cards including Peony Food Card, 60th National Day Commemorative Card, and China Red Card. Co-branded cards: Peony Parkson Card, Peony China Southern Airlines Card, Peony Card, Peony Mango Card, Peony Arton Card, etc.

2. The difference between ICBC’s Class I and II cards

1. Class I cards have more comprehensive functions than Class II cards. The first type of card is a full-featured account, with the functions of depositing and withdrawing cash, transfers, financial management, bill payment, etc. The main functions of the second type of card are savings deposits, investment and financial management, daily consumption, payment, etc., but it does not support cash deposits and withdrawals, and it does not support cash deposits and withdrawals. Transfers to unbound accounts are not supported, and transfers to Class II bank card accounts have limits.

2. Category 1 accounts are full-function accounts that can handle deposits, transfers, consumption payments, purchase investment and financial products, cash withdrawals, etc. There are no special restrictions on the scope of use and amount. Personal salary income, large-value transfers, bank-securities transfers, and social security payments should be handled through a Class I card. But each person can only apply for one type of card at different banks. Type II cards can handle deposits, purchase investment and financial products and other financial products, limit consumption and payment, and limit transfer of funds to unbound accounts.