ICBC Air China Zhiyin Peony Credit Card General Card (Visa)

Global car rental to drive the world Easily accumulate exchange discounts Flexible currency selection takes you around the world Enjoy premium golf booking service miles It’s easy and affordable

Card attributes: Travel Card, Airline Card, Theme Card, Visa Travel Expert, RMB USD

Annual fee: 100 yuan (free in the first year, swipe the card 5 times or spend 5,000) Yuan is waived for the following year)

Annual fee for supplementary card: 50 yuan

Withdrawal limit: 50%

Credit limit: 0-10,000 yuan

Interest-free period: 56 days

Minimum withdrawal fee: 5 yuan

Card introduction

"Air China Zhiyin Peony Credit Card" is issued by the Industrial and Commercial Bank of China An aviation co-branded personal credit card jointly launched with Air China Co., Ltd. "Air China Zhiyin Peony Credit Card" includes RMB credit cards under the UnionPay brand and dual-currency credit cards under the three brands of Visa, MasterCard and American Express. Dual-currency credit cards under the brands of Visa and MasterCard are RMB + USD or RMB + Euro, and dual-currency credit cards under the American Express brand are RMB + USD. "Air China Zhiyin Peony Credit Card" is divided into three categories according to different credit levels: platinum card, gold card and ordinary card. The main cardholder can also apply for a supplementary card for customers who comply with our bank's current card issuance policies, and the brands of the main and supplementary cards will remain consistent. "Air China PhoneMiles Peony Credit Card" combines the functions of ICBC Peony Credit Card and Air China PhoneMiles Card. It adopts the form of one card with two numbers (credit card number and Air China PhoneMiles membership number). Cardholders can use credit for consumption, transfer settlement, deposit and withdrawal of cash. While waiting for financial functions, you can enjoy various rewards and services of Air China’s Frequent Flyer Program. Complimentary insurance: Yes

Featured function

5. Value-added insurance service adds considerate protection. Air China Zhiyin Peony Credit Card customers pay the full amount of commercial passenger public transportation tickets for themselves by swiping the card or When paying not less than 80% of the tour fare, the platinum card can receive aviation accident insurance with a maximum value of 4 million yuan, the gold card can receive traffic accident insurance with a maximum value of 1 million yuan, and the ordinary card can receive Free traffic accident insurance worth up to RMB 500,000 to provide customers with more thoughtful protection. (For more information, gold card and ordinary card holders please click to read "Insurance Service Manual Changes" and "Traffic Accident Insurance Service Manual", Platinum Card holders please click to read "Insurance Service Manual Changes" and "Insurance Service Manual Changes" and "Traffic Accident Insurance Service Manual" Aviation Accident Insurance Service Manual") 6. Travel inconvenience insurance and enjoy a worry-free journey. When Air China Zhiyin Peony Credit Card customers pay for the full commercial passenger flight fare or no less than 80% of the tour group fare by swiping their card, Complimentary travel inconvenience insurance (including flight delay insurance, baggage delay insurance, and baggage loss insurance) is available to make customers' journeys safer and more worry-free. Flight delay (more than 6 hours) insurance amount: domestic 500 yuan/time, overseas 1,000 yuan/time, cumulative 5,000 yuan/year; baggage delay (more than 6 hours) insurance amount: domestic 200 yuan/time, overseas 500 yuan/ times, the total amount for the whole year is 1,000 yuan/year; the insurance amount for lost luggage (more than 24 hours): domestic 500 yuan/time, overseas 1,000 yuan/time, the total amount for the whole year is 5,000 yuan/year. (For more information, please click to read the "Insurance Service Manual Changes" and "Travel Inconvenience Insurance Insurance Service Manual") 7. Enjoy premium golf reservation service Air China Zhiyin Peony Credit Card customers can enjoy 1872 Golf 5S service and easily enjoy cooperation with 200 domestic companies Club (20-30% off) booking discounts, discounted price booking services for ***2,300 golf courses in 30 countries and regions around the world. (1) The golf reservation service provides reservation discounts (20-30% off) for 200 domestic cooperative golf clubs. Provide discounted price reservations for ***2,300 golf courses in 30 countries and regions around the world; provide 400-888-1872 service hotline, www.1872.net website and wap.1872.cc mobile golf pass 7×24 hours exclusive channel service. (2) The golf event service can give priority to participate in 1872's 360 member events throughout the year at a discounted price. (3) The golf information service provides free 1872 super mailbox service; the "1872 Life" magazine is provided at a cost. (4) For golf supplies service, you can enjoy preferential treatment for purchasing golf supplies at a discount of 30% to 30% off the market price.

Provides customer service hotline 4008881872, online www.1872.net and chain stores and other one-stop services such as ordering, purchasing, physical comparison, and delivery. (5) Golf travel service provides 30 domestic golf travel route services; golf boutique travel route services in 31 countries and regions will soon be launched; tailor-made domestic or overseas golf free itineraries for you to meet various customer needs. 8. Global car rental to control the world. Overseas, Air China Zhiyin Peony Credit Card customers enjoy a 10% discount on car rentals at Hertz. They can also accumulate 400 Air China miles for each valid car rental in Asia. At stores outside Asia, they can also accumulate 400 Air China miles for each valid car rental. 800 Air China miles, you can apply for Hertz#1Club membership for free, and enjoy fast service at Hertz stores around the world! From now until October 31, 2009, if you rent a car for seven days or more at Hertz stores participating in this event in the following countries, you can also enjoy: U.S. Car Rental: 15% off on "Hertz Great Deals". Car rental in Europe: Enjoy a discount of 20 euros on the car rental fee, with a minimum rental period of 7 days, applicable to vehicles in compact or larger groups. Cardholders must call the Hertz Reservation Center at 4008881336 24 hours in advance to enjoy the above discounts. ICBC website: www.icbc.com.cnICBC 24-hour customer service hotline: 95588 Air ChinaMiles website: www.phoenixmiles.com Air ChinaMiles customer service hotline: 4006-100-666

Card Discount

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Food, shopping, hotel reservation, beauty, sports car service

Application conditions

Anyone who is over 18 years old, has full civil capacity, has legal and stable income Individuals with good credit card origin and good credit can apply to our bank's card issuer for a master personal credit card with their valid identity documents.

Service charges

Rates

Minimum repayment ratio: 10%

Daily interest: 0.05%

Late payment fee ratio: 5%

Cash withdrawal fee ratio: 0%

Overage fee ratio: 5%

Overpayment withdrawal fee: Free%

Services

Minimum repayment amount: 0 yuan

Minimum late payment fee: 1 yuan

Minimum over-limit fee: 1 yuan

Minimum overpayment retrieval fee: 0 yuan

Loss report fee: 20 yuan

Card replacement fee: 20 yuan

Replacement Password letter fee: 0 yuan

Overseas

Foreign currency unit: US dollar

Foreign exchange handling fee: %

Overseas cash withdrawal handling fee ratio : 0%

Minimum handling fee for overseas cash withdrawal: US$0

Overseas emergency loss report fee: /USD

Overseas emergency card replacement fee: /USD

Transaction method: signature + password

Tips: The final card limit is subject to the approval result of ICBC

Instalment payment

Instalment type:

Bill installment

Application amount:

Starting amount: RMB/HKD 600, USD/EUR 100.

Application time:

Between the day after the consumption transaction is recorded and three working days before the payment due date

Application method:

1. Call the ICBC customer service hotline: 95588 and transfer to manual service to apply for credit card installment payment;

2. Go directly to the nearby ICBC branch to apply for installment payment.

The number of periods and rates:

The number of periods is based on the monthly rate and the one-time rate

3 periods: 0.55% 1.65%

6th period: 0.60%3.60%

9th period: 0.60%5.40%

12th period: 0.60%7.20%

18th period: 0.65%11.7%

24 installments: 0.65% 15.6%

Handling fee deduction method:

One-time charge or monthly installments

Repay in advance Payment regulations:

The remaining principal and installment fees must be paid in one lump sum.

Points

Points policy: 1 point for 1 yuan

Points multiplication: Yes

Points validity period: long-term

Points validity period:

ICBC credit card points are valid for 2 years.

Points accumulation rules:

Earn 1 point for every 1 yuan spent, 1 point for 1 Hong Kong dollar spent, 8 points for 1 US dollar spent, and any less than 1 yuan will not be counted.

Points query method:

1. Check the detailed credit card points status through the credit card statement;

2. Call the ICBC Credit Card Center customer service hotline: 95588 ext. Manual customer service inquiry;

3. Log in to the Industrial and Commercial Bank of China personal online banking for inquiry.

Points redemption method:

1. Log in to the Industrial and Commercial Bank of China personal online banking to directly exchange points for gifts;

2. Go to the designated business outlets of ICBC to redeem industrial and commercial gifts. Bank credit card points.

Points redeemed for miles:

Every 10,000 credit card points = 500 airline miles Note: The basic unit of redemption is 500 miles or an integer multiple thereof. Activation

1. Activation at the ICBC counter. After receiving the credit card, you can bring your valid ID, credit card and password letter to the counter of the local ICBC branch to open the card. If you pick up the card at the local ICBC Credit Card Center (Not by mail), the card can be issued on the spot. Bank staff will guide you when opening a card at the counter. The process is very simple. Just fill in the form and submit the information to the staff. If you forget to bring your password letter with you when you go to a business outlet, you can do a "password reset" before opening the card (this service is free), and then activate the card. This method can only open the card normally at the ICBC counter where the credit card is applied for, and cannot be opened at branches in other places. 2. Customer Service Telephone Activation Cardholders use the phone number and mobile phone number they filled in when applying for a credit card to access the ICBC customer service hotline to activate the card. Dial: 95588 and dial "6" for international card services. Select the required service language according to the voice prompts and press "3" to enter ICBC credit card services. Then press "2" to enter "Card Activation". Follow the voice prompts to enter your credit card number, valid certificate (ID card) number and other personal information. After completing the identity verification, you can successfully open the card. After opening the card, you can set a consumption password. 3. Online banking activation Log in to personal online banking from the official website of ICBC and enter "Peony Card Activation" under "Bank Card Services". Enter the card number, card validity period, cardholder name, ID number and other relevant information and click the Confirm button. Finally, set the credit card password and confirm to complete the ICBC Peony Credit Card opening.

Repayment

☆ICBC Online Repayment>>

Applicable conditions for repayment channels, applicable regional handling fee entry support

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☆Repayment at ICBC outlets>>

Repayment channel applicable conditions applicable regional fee entry support

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Free real-time access to 190 nationwide for cash or debit cards at our counters

Free real-time 188 for purchasing foreign exchange over the counter or ICBC debit cards

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