When it comes to ICBC, many people will think of the Peony transportation card and driver’s license, or the first salary card.

The Industrial and Commercial Bank of China was established in 1984 and was born out of the People's Bank of China. In 1983-2000, the People's Bank of China began to perform the functions of a central bank and separated its savings and credit businesses to establish the Industrial and Commercial Bank of China. At present, ICBC has become a well-deserved "Bank of the Universe". British Banker ranked first in the world in the "Top 1000 Global Banks in 2020" published by TheBanker, a global authoritative magazine.

The old rule is to first look at the distribution map of card products. It is estimated that ICBC is the bank with the most complete card organization coverage among domestic banks. Even the unpopular Diners Club still exists, and it is the only bank in China that has signed a contract with it. So far, there is no second one. Blue Wing As early as 20152000, I wrote an article specifically introducing ICBC’s Diners Club Card. However, with the passage of time, Diners Platinum Edition has been unlimitedly reduced from CIP to 6 per year, which is also in line with the overall trend of the industry.

It is worth mentioning that Visa and Mastercard have finally released top-tier cards (Unlimited and World Extreme), but there is still no Royal Seal/World. It is estimated that ICBC is afraid of affecting the card sequence. After all, other banks’ high-end cards (Royal Seal and World) are available all over the world, but ICBC’s Grand Platinum (excluding the rigid annual fee) requires 200,000/year consumption only to play with you.

After all, ICBC’s Platinum Card benefits are commendable, so why not cut off the high-end cards?

In addition, American Express also has the Centurion Card. Blue Wing believes that this American Express Centurion Card is based on its 18,000 annual fee, the quality of the dual-label card, converted mileage and similar hotel products. The best among them, but the disadvantage is that you need to be invited to apply for the card? Which card is worth applying for?

Among the ICBC credit cards, Blue Wing mainly recommends the following four cards.

Horoscope Card

The most attractive thing about this card is its design, especially when it was first launched. It can be said that ICBC’s Horoscope Card led the trend of front-facing cards.

This set of Constellation cards may have the largest number of credit cards in a single set of domestic credit cards.

In recent years, ICBC’s i-gou series of activities have been lively and colorful, especially the i-gou weekend. The coverage, strength and quantity of discounts are commendable, and the constellation card is a good entry card. The main benefits include: 10 currencies, 0 foreign exchange fees, free account security insurance, 3 days when the account is locked, and a tolerance of 10 Alipay yuan services (before 2020.12.31), WeChat, and JD.com channels will earn points for tied card purchases

As an entry-level product, in addition to the Constellation Card, the ICBC Micro Credit Card can also be bound to WeChat consumption for 1.5x points. Those who like to swipe WeChat every day can consider it.

Light Series Women’s Card

This card did not cause much sensation when it was released, but Blue Wing believes that this is indeed a credit card product that well explains the needs of female users. .

Card products are divided into standard version and plus version: Standard version: Gold card can be used for 5 seconds every year, and platinum card can be used for 201,000 yuan every year. The annual fee can be reduced and points can be accumulated. Plus version: Rigid annual fee, 200 yuan for gold card and 2,000 yuan for platinum card. The card will be charged immediately, and points cannot be accumulated.

In view of the shopping needs of female users, the focus is on the right to cash back. The detailed version of Plus cash back rights is: all offline and online transactions and online transactions; the upper limit of cash back is: Gold card monthly 60 yuan / 500 yuan per month per year, platinum card 500 yuan / 5,000 yuan per year; for daily consumption transactions, in addition to large-scale non-daily consumption transactions such as car purchases and charity, you can also participate in daily consumption transactions. Pay transactions do not currently support cash rebates. The cash rebate details can be viewed by logging into the "ICBC e-Life" APP-Guangguang Card Area.

All in all, this is a small cash back card, and Blue Wing feels smart. This is a good card for female friends who are unwilling to research card benefits and activities.

It is worth mentioning that ICBC has also added a control valve to this product, called 10 million cash rebates, on a first-come, first-served basis.

I don’t know if it can prevent the abuse of woolists.

ICBC Shangri-La Platinum Card

In 2016, ICBC issued the first hotel co-branded card, the ICBC Shangri-La Platinum Card. To this day, this is still the most recommended ICBC Platinum Card by Blue Wing.

According to the different currency types of the card, the card is divided into two versions: Visa/MasterCard. The benefits of the two versions are basically the same. Although the annual fee is claimed to be 2,000, if you have Jade, apply for exemption for the first year. If you have Jade/Diamond membership, you will not pay the annual fee for three years, and the holding cost is extremely low.

A brief look at the benefits of the ICBC Shangri-La Card: Point accumulation: 120 yuan accumulates 1 Shangri-La point. Annual fee reduction: Platinum cardholders can enjoy a 3-year annual fee reduction for existing Golden Circle Diamond and Jade members who have successfully applied for it. Booking rights: 10% off Check-in: Use: ICBC1 booking discount code, pay with ICBC Shangri-La Card when checking in, and enjoy 10% off on the best room rate. 50% off check-in: Book with ICBC2 discount code from June 15 to November 9, 2020, pay with ICBC credit card from Thursday to Sunday, and enjoy 50% off the best room rate (not exceeding 500 yuan), once within 2 weeks/ Card. Dining discounts: When dining in hotel restaurants, you can get a 15% discount when paying with ICBC Shangri-La Card.

It should be noted that this card is suitable for users who often swipe cards offline. If you prefer to swipe your card online, this may not be suitable.

In addition, if you are in Beijing, you can pay attention to the whitening of international trade. Its advantage is that it greatly lowers the threshold for card swiping. It only takes 15 times or 10,000 yuan to reach the standard. This is a traditional Baixiang 20 card swiping cost that has undoubtedly reduced the holding cost a lot.

UnionPay Medical Credit Card

This ICBC card was quite controversial in the early days, mainly because although the announcement stated that this card was only for medical personnel, many people in the medical system did not. Didn’t apply for this card? I don’t know if ICBC later made up for this loophole.

However, early vulnerabilities do not affect the card's sincerity for medical personnel. For example, we all know that ICBC’s interest-free period is up to 56 days, and the repayment tolerance can be stacked up to three days from the beginning of 2016. However, the actual repayment tolerance of medical credit cards is 15 days, which is unprecedented. And the medical platinum card is there. Apply before December 31, 2020, and enjoy the lifelong annual fee exemption.

Let’s take a look at the same rights and interests of gold card and platinum card: Account security insurance: 30,000 yuan/year for gold card and 50,000 yuan/year for platinum card. The grace period is 15 days and the grace period is 100 yuan.

Let’s take a look at the unique benefits of the platinum card: Airport high-speed rail VIP: If you don’t spend a penny, you can also get 6 love points, which can be used to redeem airport transfers, VIP lounges, express Security check lanes and valet parking. And it's all free. Of course, if you spend 10 if it is ten thousand yuan every year, you will get 8 points of love enjoyment; if you spend 20 if it is ten thousand yuan every year, then I will have unlimited VIP rooms, and you can also redeem them for VIP rooms. Companion or other travel rights. Flight delay insurance: domestic 500 yuan/time, overseas 1,000 yuan/time, annual cumulative compensation limit 5,000 yuan Airport parking: you can enjoy 48 two-hour parking twice per year, and 12 two-hour parking twice per year.

Blue Wing believes that the airport high-speed rail VIP service is a highlight. If you are a medical staff, it is worth applying! Conclusion

It should be said that ICBC’s credit card business started from 2016 to 2015 a few years ago. I think Universe Bank does not pay much attention to this business. But after all, the user base is here, and ICBC is still very determined. In the first half of 2020, it has already reached third place.

In addition, ICBC’s youth strategy has also been very obvious in recent years, especially in the credit card field. Whether it is a card product like the Constellation Card that is popular among young people, or a series of i-shopping activities, we can see things that are different from the past. "Aunt Go" and the perception of young ICBC's image. But Blue Wing also wants to complain, and I don’t know if it’s a system problem. Many ICBC products/activities have too many regional restrictions. For example, Guomao Xiangbai is limited to Beijing and Shanghai's Global Travel Plus, etc. I wonder if it can be made into national products and activities in the future?