ICBC Peony Health Card
In order to further improve the business of issuing medical insurance premiums and meet the service needs of insured units and insured persons, ICBC Hainan Branch launched the Successfully launched the new business of issuing medical insurance premiums through Peony Health Card.
The Peony Health Card is a UnionPay brand quasi-credit card with a magnetic stripe. It is specially used for the issuance of medical insurance benefits. The card is issued to people who participate in medical insurance in the local social security bureau in Hainan and are 18 years old (inclusive). )above.
The Peony Health Card has the following characteristics and advantages: first, the annual fee is waived; second, medical insurance benefits are credited in real time, without the need to queue up at branches; third, deposits and withdrawals can be made at ICBC ATMs in Hainan There is no handling fee; fourthly, SMS reminder services for balance changes and personalized password input optional services are provided free of charge; fifthly, you can spend by swiping your card and enjoy all the preferential benefits of ICBC’s credit card consumption points, and you can also redeem air miles, annual fees, and exquisite products. Gifts etc.
The annual fee for the principal card is RMB 10,000 for ordinary cards and RMB 1,000 for gold cards
The annual fee for the supplementary card is RMB 1,000 for ordinary cards and RMB 1,000 for gold cards
Interest-free period (from the bill date)
Revolving credit interest (daily interest)
Minimum repayment ratio
Cash advance fee (local counterpart)
Free< /p>
Overpayment recovery handling fee (local counterparts)
Free
Over-limit fee % of the over-limit part minimum yuan or US dollars maximum yuan or US dollars
The minimum late payment fee is as high as RMB 100.
The SMS notification fee is free
There is no handling fee for reissuing a card/replacing a damaged card/replacing a card in advance
The handling fee for making up a replacement statement is RMB.
The loss report fee is RMB
Annual fee reduction rules. If the accumulated card consumption of the local and foreign currency accounts in the year reaches RMB or RMB, the annual fee for the primary and secondary cards for the year can be reduced
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Points method
RMB points for consumption
Credit card discount inquiry
Card fee
Basic information
Credit Card Name ICBC Peony Healthy Life Card Issuing Organization UnionPay
Card Issuing Bank ICBC Currency RMB
Level Gold Card, Regular Card Validity Years
Consumption Rules
Consumption verification method signature + password
Revolving credit interest (daily interest)
Interest-free repayment period (from the bill date)
Points Method
RMB Points for Spending
Repayment Rules
Minimum Repayment Ratio
Offsite Bank Deposit Procedures Fee
RMB is charged as % of the amount, the lowest yuan is the highest yuan
RMB repayment method
ATM automatic deposit and withdrawal machine repayment
Automatic repayment cardholders can register for automatic repayment business in online banking. Cardholders register a personal settlement account opened by ICBC as a transfer-out account. ICBC will automatically deduct the money from the transfer-out account into Peony before the monthly due repayment date. Card repayment
Telephone banking transfer repayment dialing allows the cardholder to return the Peony credit card overdraft to an account in the same region
Online banking transfer repayment is possible if the cardholder is an ICBC online banking customer. Repay at any time through the transfer function of online banking
Foreign currency repayment method——
Special repayment method
Minimum repayment ratio %
< p>Value-added discountsCard features
This product has various financial service functions of Peony quasi-credit card/Peony dual-currency credit card and enjoys preferential merchant offers from ICBC all over the country. At the same time, you can also get the relevant preferential services provided by the co-branded unit for this product
Other rules
The method of reporting loss is to use telephone banking to report loss by yourself
Use telephone banking to manually Report loss
Before reporting the loss, the bank will stop the business handled by the account under the card protection after reporting the loss, such as cash withdrawals, etc. After reporting the loss, the bank will stop the business handled by the card, such as ATM cash withdrawals, POS consumption, etc. By phone After the bank reports the loss of the Peony credit card and Peony credit card, the loss report will be valid for a long time. After the loss is reported, the customer must go to the ICBC Peony Card Center to report the loss in writing before applying for a card replacement
Card opening method——
< p>To apply for account cancellation, you can cancel the card through telephone banking and make a call to cancel the account. Apply at an outlet that can handle this businessFree service hotline
Application conditions
< p>Individuals who are over one year old and have full capacity for civil conduct and work in the location of the card issuer and have stable income and fixed residence can apply to the Industrial and Commercial Bank of China for a Peony CardApplication Method
Business outlets apply for door-to-door service of credit card specialists
Application submission materials
Copy of the main card and supplementary card applicant’s ID card. Necessary documents. The ID card refers to the resident ID card, military officer’s certificate, armed police officer’s certificate, Hong Kong and Macao Mainland Travel Permit for Residents Mainland Travel Permit for Taiwan Compatriots Passport
Work certification documents such as a copy of the work permit, the original work certificate issued by the work unit, a copy of the professional qualification certificate, a copy of the professional title
1
If you provide a copy of your ICBC financial plan account or a copy of your master's degree or above graduation certificate and degree certificate, it will speed up your card application process. This is generally true for applicants who work in corporate entities. You must provide self-owned property certificates, self-owned property certificate, public housing rental agreement or public housing purchase agreement, copies of housing loan contracts and other documents
In order to ensure that your application can be processed as soon as possible and you have an accurate credit limit, please Provide the following financial support documents, such as income tax certificate and withholding certificate issued by the bank's payroll record unit, own car driving license, ICBC time deposit certificate, etc.
Maximum number of supplementary cards to apply for
The application conditions for supplementary cards must be direct relatives and the age requirements are above and below one year old
Card information
Annual fee
Main card annual fee Card Yuan Gold Card Yuan
Additional Card Annual Fees General Card Yuan Gold Card Yuan
Annual Fee Waiver Rules For local and foreign currency accounts, the cumulative card consumption in the year reaches pen or yuan, which can be waived for the primary and secondary cards. Annual fee for this year
Annual fee collection time
Cash advance fee>>Credit card cash advance fee calculator
Local counterpart cash withdrawal fee
p>Free
Local inter-bank cash withdrawal handling fee
Inter-bank ATM cash withdrawal Yuan/transaction
Remote bank cash withdrawal handling fee
RMB is charged as % of the amount, the lowest yuan is the highest yuan.
Foreign currencies are charged as % of the amount, including the minimum Hong Kong dollar or Macau patacas, US dollars or euros at home and abroad. Other foreign currency accounts are charged as the lowest equivalent foreign currency of US dollars
< p>Remote inter-bank cash withdrawal handling feeRMB/transfer is charged as a % of the amount
Overseas UnionPay cash withdrawal handling fee
Each cash withdrawal is based on the amount % + RMB charged the lowest yuan/transaction and the highest yuan/transaction
Overseas non-UnionPay cash withdrawal handling fee
No such service
Overseas emergency cash withdrawal handling fee No such service
Single-day cash withdrawal limit
RMB account
Foreign currency account
Overpayment refund handling fee>>Credit card Handling fee calculator for overpayment claimback
Local reimbursement fee
Local reimbursement fee
Free
Handling fee for repatriation by fellow travelers from other places
Free
Handling fee for repatriation across banks in different places
Free
Handling fee for overseas UnionPay retrieval
p>Free
Overseas non-UnionPay redemption handling fee
Free
Regulations on overpayment redemption methods free
Business fees
SMS notification fee is free
Overseas emergency card replacement fee does not include this service
Reissue card/replace damaged card/replace card in advance Handling fee
Express fee RMB
Handling fee to make a replacement statement RMB
Handling fee to send a replacement statement is free of charge. Terms of request for two months excluding the previous one Bill Yuan/month/month Peony Platinum Card is free
Loss report fee is Yuan
Reset password letter handling fee is free
Personalized card production fee is free
Foreign exchange handling fee 0.00% of the transaction amount
RMB handling fee for accessing the original domestic purchase order
RMB handling fee for accessing a copy of the domestic purchase order
There is no service fee for accessing the original copy of the overseas purchase order
There is no such service for the handling fee for accessing the copy of the overseas purchase order
Other fees>> Calculation of credit card late payment fees Device>>Credit card over-limit fee calculator
The late payment fee is 500% of the minimum unpaid portion; the minimum is 1 yuan; the maximum is 500 yuan
The over-limit fee is % of the over-limit portion Minimum RMB or USD Maximum RMB or USD
Pay in any installment
Card issuing bank ICBC
Minimum consumption amount RMB
Fee payment Method of one-time payment
Number of installments
3rd period%
6th period%
9th period%
12th period%
18th period%
24 installments%
The installment fee paid in one lump sum before the early repayment stipulates will not be refunded
The credit limit occupation stipulates that the total amount of the installments will be released in installments according to the monthly repayment amount. Quota
Instalment payment points require all points to be given at once
Instalment payment application method
Call to apply from the day after consumption to the working day before the repayment date Installment