1. Platinum cardholders who spend a total of RMB 4 million can get a permanent annual fee-free discount for the main and auxiliary cards.

2. Individual cardholders of gold cards and ordinary cards who have no bad credit records and have continuously held various credit cards of ICBC for more than 10 years (including 10 years) since the implementation of these Measures may be granted a permanent annual fee-free discount for the main and secondary cards in an account.