Credit cards are classified by grades, generally from low to high: Puka, Gold Card and Platinum Card. Industrial and commercial credit cards are also launched at this level, so the gold card quota of industrial and commercial credit cards is also different.

According to the cardholder's income and credit status, ICBC has approved the maximum amount that can be used for overdraft consumption and cash withdrawal, and the cardholder can recycle it within the validity period of the card. When the same customer has multiple credit cards in ICBC, the credit line of each card is usually independent, and the consumption or deposit of one card will not affect the available credit lines of other cards.