Different card issuing standards: Peony International Credit Card is a credit card product with international standards launched by Industrial and Commercial Bank of China. Peony Credit Card is a domestic credit card product issued by Industrial and Commercial Bank of China.
Different scope of application: international cards are universal at home and abroad, universal. Credit cards are limited to RMB credit cards used in People's Republic of China (PRC) (China).
Different settlement methods: international cards are settled in RMB and a designated foreign currency. Credit cards are only settled in RMB.
Different transaction methods: the international card adopts the circular credit transaction method, and if it is overdrawn within the credit limit and fully repaid before the due repayment date, it can enjoy the interest-free repayment discount. Credit card installment payment refers to the business that ICBC pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum when the cardholder uses the credit card to make a large amount of consumption, and deducts the consumer funds through the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays according to the monthly recorded amount.
According to different objects: international cards do not have this division. Credit cards are divided into business cards and personal cards according to different issuers.
Different credit ratings: international cards do not have this division. Credit cards are divided into gold cards and ordinary cards according to different credit ratings.
The annual fee standard is different: international dual-currency card ordinary card fee 100 yuan, gold card 200 yuan. Business ordinary card 200 yuan, Golden Card 400 yuan; Platinum card 2000 yuan; The annual fee of all supplementary cards is half of the annual fee of the main card.