1, annual fee discount:
Free of the annual fee for the first year (unlimited amount) by swiping the card or withdrawing cash once in the current month; In the first year, if you spend money by credit card or withdraw cash for five times (unlimited amount), you will be exempted from the annual fee for the following year; In the following year, the annual fee for the third year is exempted for spending five times (unlimited amount); Annual fees for the fourth and fifth years, etc. There is no annual fee discount for Platinum Card, and the annual fee for supplementary card is halved (if the above policies are adjusted, the latest policies published by CITIC Bank shall prevail).
2. Prepayment of cash is convenient for emergencies:
Need a temporary withdrawal? You can use your card to borrow cash in advance at our outlets, ATMs and ATMs with your card organization logo; Overseas, you can also withdraw local currency and cash at any time to meet your unexpected needs.
3. Flexible repayment is easy and labor-saving;
Online repayment: cash repayment, personal settlement account transfer repayment, cheque transfer repayment, remittance/wire transfer repayment, CITIC ATM transfer repayment, telephone banking repayment, CITIC Automatic Deposit Machine (CDM) repayment, ATM inter-bank transfer repayment, and 400 telephone foreign exchange purchase repayment.
4. No guarantor, no deposit
The double exemption service makes the application procedure easier and faster, and allows you to get the card for free.
5. Zero card loss risk.
If your credit card is lost or stolen, you only need to dial the 24-hour global 400 CITIC customer service hotline to complete the reporting procedures, which will take effect immediately and make you feel at ease.
6.50-day interest-free loan
The 50-day interest-free repayment period allows you to spend with peace of mind, enjoy first, then repay, and have no worries.
7. Password protection services
You can choose "signature" or "signature+password" to confirm your card, which will make you more safe and secure to use.
8. Product design features
CITIC Bank Star Credit Card, distinguished card face design, distinguished card friends' rights and interests.
9. What are the characteristics of credit card points?
When you spend or withdraw RMB 65,438+0 yuan or HK$ 65,438+0 yuan with a Platinum Card, you can accumulate 2 points, which can be redeemed for more than 3,000 kinds of gifts, and can also be redeemed for air miles of China Southern Airlines, Air China and China Eastern Airlines.
10, aviation accident insurance
? As long as you use CITIC Platinum Credit Card to pay 80% or more of the air ticket or tour fare, you can get high accident insurance for free. The maximum insured amount can reach 6.5438+0.5 million yuan, and both spouses and children can enjoy the protection.
1 1, 24-hour SMS notification service
From credit card application to use, 24-hour SMS service is accompanied throughout the process, including credit card approval notice and transaction notice.
12, high flight delay insurance
Use this card to order air tickets for myself and my eligible peers through designated booking channels and pay the full amount of air tickets, and you will get a high flight delay insurance. The compensation for 4-hour flight delay of Puka and Gold Card holders can reach 1 1,000 yuan; Maximum compensation for two-hour flight delay of Platinum Cardholders 1000 RMB.
13, color: gold is the main background color of gold cards, while Puka is different in color and has no obvious characteristics, but it is not mainly gold. As shown in the figure:
Extended data
I. Functions of CITIC Credit Card
CITic IC credit card accounts are divided into RMB main accounts and RMB electronic cash accounts. The initial balance of the electronic cash account is RMB 0 yuan, with the maximum balance not exceeding RMB 65,438+0,000 (inclusive), and the single offline consumption amount not exceeding RMB 200 yuan (inclusive). The balance in the electronic cash account cannot be overdrawn to report the loss, can not be withdrawn for transfer, and does not pay interest. Electronic cash has micropayment application, which can realize offline consumption and deposit and withdrawal.
1, consumption
The cardholder does not check the password and the cardholder's signature when using CITIC IC credit card for offline consumption. All transactions with electronic cash are regarded as the cardholder's own behavior, and the balance of electronic cash account is deducted in real time with offline consumption. If the consumption amount is greater than the balance of the electronic cash account, and the consumer terminal supports online transaction, the transaction will be automatically initiated and fully deducted from the main account. The cardholder shall enter the transaction password (if any) and sign the relevant transaction voucher. Off-line consumption accounting is based on the actual payment request initiated by the transaction merchant.
Step 2 Circle and save
Deposit transaction refers to the transaction in which the cardholder transfers the available amount in the credit card main account of CITIC IC card or the funds in any other debit card or directly transfers the cash into the electronic cash account. At present, the available line in the main account can be deposited through the following channels:
Counters, ATMs and POS machines in our business outlets; Support other banks' ATMs, POS machines, self-service terminals, online banking and China UnionPay terminals (such as mini payment) to make interbank deposits.
3. Circumferential lifting
Withdrawal transaction refers to the transaction that the cardholder transfers part or all of the balance in the electronic cash account of CITic IC card back to his main account, which can be operated through the counter of our business outlets. Replacement card due, loss reporting, account cancellation, card replacement damage, etc. If the cardholder does not take the initiative to withdraw electronic cash, the balance of the old card electronic cash account will not be automatically withdrawn back to the main account, that is, the old card electronic cash can continue to be consumed.
4. Report the loss and change the card
The loss reporting of CITIC IC credit card is only valid for the main account, but not for the electronic cash account. Only after the reported loss of the old card expires and the liquidation period of China UnionPay (20 days) ends, the electronic cash of the old card can be automatically withdrawn back to the main account.
5. Replace the card when it expires
Electronic cash can be used normally before it expires, but it can't be used after it expires. However, after the clearing cycle of China UnionPay, the old card electronic cash can be automatically withdrawn back to the main account.
6. Card replacement and account cancellation caused by damage
When the old card of CITIC IC Credit Card is damaged, if the chip is readable, the cardholder can withdraw the balance of the old card electronic cash account back to the main account in real time. If the chip is unreadable and the cardholder returns the old card, the electronic cash of the old card can be automatically returned to the main account from the date of return to the end of the liquidation period of China UnionPay; Otherwise, after the expiration of the validity period of the old card and the liquidation period of China UnionPay, the electronic cash of the old card can be automatically withdrawn back to the main account.
7. Others
Other value-added services and charging regulations of CITIC IC Credit Card will be implemented in strict accordance with the Articles of Association of CITIC Bank Credit Card and the Credit Card (Personal Card) Contract of CITIC Bank. Cardholders shall abide by the relevant regulations of CITIC Bank, China UnionPay, acquiring bank and relevant accepting institutions when using electronic cash of CITIC IC card for offline consumption and deposit and withdrawal.
reference data
China CITIC Bank Credit Card Official Website