Advantages of ICBC baby growth card: the card surface can be selected at will, and the production cost and annual fee are free before 16 years old; Enjoy exclusive time savings products, including ICBC crusher, baby piggy bank and family dream money; There are many channels for handling, and you can apply online and offline.
Disadvantages of ICBC's baby growth card: the card is issued as a set of cards, which must be handled in the form of "baby card+father love card+mother love card", which is too restrictive for users; Because it is a special debit card product, not all offline outlets support it, and only some outlets can handle it; Customized card faces also need to be charged 100 yuan/piece.
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"Baby Growth Card" is divided into "Baby Growth Card" smart card and "Baby Growth Card" credit card. Baby Growth Card Smart Card is a theme debit card specially launched by ICBC for underage customers under the age of 18, which is divided into baby card, fatherly love card and maternal love card.
Families are issued in the form of "baby card+father love card+mother love card", and the "baby growth card" credit card is issued to parents who meet the credit card application conditions, and each family is issued at least one "baby growth card" credit card.
On June 5, 20 19, 65438+ 10, 19, ICBC issued a new baby growth card. The front of the card takes the cartoon image of ICBC elephant as the design element, including five card faces, orange, pink, blue, black and white, which symbolize study, beauty, sports, dreams and literature respectively. The card faces are matched with spot color cards, which are beautifully designed.
Baby growth card not only has all the functions of ordinary debit card, but also has many special functions:
1. Combination service of growth fund and gratitude feedback. /kloc-customers under the age of 0/6 (inclusive) apply for (baby card), and the annual fee and card opening fee for the previous calendar year of 16 (inclusive) are exempted; Customers above 16 (excluding) can only apply for fatherly love cards/motherly love cards, and charge related fees according to the current charging standard of Linksys cards. Cardholders of baby growth cards (baby card, fatherly love card and maternal love card) who jointly sign the baby growth card combination service agreement can enjoy the following preferential transfer and remittance fees: before the baby card holder reaches the age of 16 (inclusive), when the father love card and maternal love card transfer and remit money to the baby card, the fee for settlement in different places in the system is exempted. After the baby card holder reaches the age of 16, when the baby card transfers money to the father card and the mother card, the handling fee for settlement in different places in the system is exempted.
2 education savings, fixed income services, deposit interest increase (decrease) and other products and services. , to ensure the best return on deposits.
3. Designed the deposit limits of fatherly love card and maternal love card; Baby card monthly supply limit; Baby card wealth management business switch. Help cardholders develop good consumption and financial management habits.