The difference between the ICBC Gold Card and the regular card
The differences between the ICBC Gold Card and the regular card are as follows:
1. Different credit limits.
The difference between the ICBC Gold Card and the regular credit card is very different in terms of credit limit. The credit limit of the regular credit card is generally 3,000 yuan to 10,000 yuan, while the credit limit of the gold credit card is usually 10,000 yuan. Up to 50,000 yuan, the gold card is much higher than the regular card.
2. The annual fees are different.
Because the limit of the gold card is higher, the annual fee of the gold card is much higher than that of the ordinary credit card. Taking the Peony Dual Currency Credit Card as an example, the annual fee of the gold card is 200 yuan. The annual fee for a regular card is only 100 yuan.
3. The discounts are different.
Because the credit card gold card has a higher level than the regular card, it usually has some benefits that the regular card does not have.
ICBC credit cards are the credit cards with the highest circulation in China. 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 credit level, they are divided into: Platinum Card, Gold Card and Ordinary Card; according to the issuing objects, they are divided into business cards and personal cards, of which personal cards are divided into primary cards and supplementary cards.
In October 1987, ICBC Guangzhou Branch officially issued the bank’s first regional credit card and named the card “Red Cotton Card”. The red cotton card uses red cotton (the city flower of Guangzhou) and rice ears (referred to as "sui" in Guangzhou) as the card logo, with Guangzhou Haizhu Bridge as the background image. It is divided into two types: gold card and silver card. The gold card uses gold as the background color, and the silver card The card has a gray background. The Hongmian Card has the functions of savings, transfers and overdrafts, and can be used for deposits, withdrawals, transfers and consumption within the scope of Guangzhou and Panyu County under the jurisdiction of the city.
In January 1989, ICBC decided to issue unified credit cards across the bank. In February 1989, ICBC decided to use "Peony" as the name of ICBC's credit card, taking the peony as its national color, fragrant, rich and auspicious, to express its best wishes to cardholders; taking advantage of its status as "the king of peonies", it symbolizes The prospect of "the best among peony cards" expresses the courage and confidence of ICBC people to win the championship. The first Peony Card has a dark copper background and gilded peony flowers, which is elegant and luxurious and has the style of a major bank. Its main functions include credit consumption, cash deposits and withdrawals, and transfer settlement. It is divided into two types: gold card and silver card.
On October 15, 1989, ICBC officially issued Peony Credit Card in Beijing, Tianjin, Shanghai and Guangzhou; about 15 days later, the first consumption order signed by the cardholder returned to the Beijing branch. The success of the first launch of the Peony Card was announced. With the launch of Peony Card, Hongmian Card, a local credit card, has gradually been converted into Peony Card.
What are the differences between the ICBC Gold Credit Card and the Regular Card?
1. Different card colors: In order to distinguish different levels of credit cards, ICBC generally uses yellow as the main color for ICBC regular cards and gold as the main color for ICBC gold cards.
2. Different credit limits: The credit limit of ICBC credit cards is generally between 1,000 and 10,000 yuan, while the credit limit of gold cards is generally between 10,000 and 50,000 yuan.
3. The annual fee charging standards are different: the annual fee for ICBC credit cards is 50 yuan per card per year for regular credit cards, and the annual fee for gold cards is generally 100 yuan per card per year.
Industrial and Commercial Bank of China (INDUSTRIALANDCOMMERCIALBANKOFCHINA, referred to as ICBC, ICBC) was established on January 1, 1984. The head office is located at No. 55 Fuxingmennei Street, Beijing. The basic mission of the Industrial and Commercial Bank of China is to raise social funds through domestic and foreign financing activities in accordance with national laws and regulations, strengthen credit fund management, support enterprise production and technological transformation, and contribute to my country's economic construction. Serve.
As the commercial bank with the largest assets in China, after 29 years of reform and development, ICBC has entered the track of coordinated development of quality, efficiency and scale. The Industrial and Commercial Bank of China Headquarters Building was designed by SOM Design Office of the United States. It is 13 floors high and has a construction area of ??nearly 130,000 square meters. It is divided into two parts: a rectangular area and an arc area, connected by a sky bridge in the middle.
In February 2017, BrandFinance released the list of the top 500 global brands in 2017, with Industrial and Commercial Bank of China ranking 10th.
On June 20, 2018, the "China's 500 Most Valuable Brands" analysis report was released, and ICBC ranked 4th. In July 2018, the British "Banker" magazine released the list of the top 1000 global banks in 2018, with Industrial and Commercial Bank of China ranking first.
In 2018, Fortune ranked 26th among the world's top 500 companies. On December 18, 2018, the "Top 500 World Brands 2018" compiled by the World Brand Laboratory was announced, and ICBC ranked 43rd. On June 26, 2019, eight banks including the Industrial and Commercial Bank of China were among the first to launch online enterprise information verification systems.
ICBC is the largest credit card issuer in China and one of the issuers with the most complete range of credit card brands. New products such as Euro Credit Card, Peony Express Business Card, Peony UnionPay Card, Peony Sports Card, and the new version of Peony Transportation Card have been launched successively; the establishment of channels such as business outlet service system and VIP customer service center has been promoted; the Bank has actively selected overseas institutions to issue cards as agents, and further strengthened cooperation with Cooperation with international card organizations.
While the number of chip card issuances and transaction volume continues to grow, the application areas of ICBC chip cards are also expanding, bringing many conveniences to residents' daily lives. The industrial cooperation scope of ICBC chip cards has covered various special fields such as transportation management, railway tickets, highways, commercial co-branding, social security and medical insurance. Through industry cooperation, ICBC's various chip cards have achieved "one card for multiple uses". Cardholders can not only use it for consumer payments, but also enjoy life services such as aviation, railways, buses, highways, and social security. Value-added services.
What is the difference between the ICBC Gold Credit Card and the Regular Card?
1. Different benefits
1. ICBC Gold Credit Card: You can enjoy priority channel treatment , card application, account inquiry, application for electronic statement, credit limit adjustment, application for card swipe password limit and card upgrade and other services.
2. ICBC general credit card: There is no need to deposit a reserve fund. Cardholders can consume first and repay later within the credit limit given by the bank
2. Emergency Different assistance services
1. ICBC Gold Credit Card: Peony Credit Card VIP Customer Service Center can provide you with emergency cash withdrawal services. You can withdraw cash up to RMB 2,000 as long as it does not exceed the available credit limit of your Peony Card account.
2. ICBC general credit card: You can apply for loss reporting at any ICBC outlet, and there is no need to go to the card issuing outlet to report the loss. Applying for a loss report at an outlet is a formal loss report. If you need to cancel the loss report, please go to the Peony Card issuing department in the region where your credit card account is located to handle the relevant procedures.
3. Different annual fees
1. ICBC Credit Card Gold Card: Gold Card 100 yuan.
2. ICBC credit card: annual fee for domestic ordinary cards is 50 yuan