When looking for banks that can handle ETC credit cards, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China and China Construction Bank are all good choices. Below, we’ll compare the pros and cons of these banks in detail to help you make your decision.

First of all, ICBC’s ETC credit card has the advantage of no handling fee for overpayment, and the fee for reporting a loss is only 20 yuan. However, you need to pay a monthly SMS service fee of 2 yuan, and the threshold for redeeming points for gifts is relatively high. Agricultural Bank of China provides free SMS services and a cash withdrawal fee as low as 1%, but the loss report fee is 50 yuan, and the gift selection is limited. Bank of China also has free text messages and low handling fees, but the points redemption requirements are also higher.

China Construction Bank performs well in terms of services. SMS service is free, cash withdrawal fee is only 0.5%, and for car owners, its credit card application conditions are relaxed. However, the richness of points redemption gifts needs to be improved. In general, which bank to choose mainly depends on your personal needs, such as whether you care about text message fees and cash withdrawal costs, as well as your need for gift exchange and the convenience of the process.

No matter which bank you choose, remember to understand their respective preferential policies and fees in advance, so that while enjoying the convenience of ETC, you can also make full use of the preferential services brought by credit cards.