IC credit card adds IC chip, which can encrypt the data in the card and has the characteristic of non-duplication, which can prevent the card from being copied and stolen. In addition to the original credit card payment method, the landlord can pay by inserting a card in the merchant indicated by "UPCash" or directly paying by swiping the card in the merchant that supports "Express Pay". These two payment methods do not need to verify passwords and signatures, so they are very convenient to use.
If the annual fee is 160 yuan/year, if you spend/withdraw money (unlimited amount) three times a year, you can be exempted from the annual fee of that year. General online transactions, telephone authorization, physical store credit card and cash withdrawal all meet the requirements of annual fee reduction and exemption.
If the landlord has other questions, you can ask.