ICBC and ABC have their own advantages and disadvantages in handling cards. I won't make a decision for you. I will help you solve it. You can make a comparison before making a decision.

ICBC:

Advantages: American Express card is swiped 5 times a year, or the annual fee of the current year is exempted if you spend 5,000 yuan, or you can exchange 2,000 points for the annual fee of RMB ordinary card. Secondly, the cash withdrawal fee is free, and only 20 yuan is needed to report the loss. The most important thing is that there are many outlets.

Disadvantages: SMS service fee is 2 yuan/month, and the points needed to exchange gifts are high, and there are few kinds of gifts.

Agricultural Bank:

Advantages: Free annual fee in the first year, free annual fee in the second year if you swipe your card five times, free SMS service, only 1% for cash withdrawal procedures, and only 50 yuan with many outlets.

Disadvantages: 1, there are few types of credit cards, the procedures for handling cards are relatively complicated, and there are few points to redeem gifts.

The above is the comparison between the two major banks. Choose according to your actual needs! ! !