This card can't be used for cash withdrawal and transfer, only for consumption. The cardholder will automatically repay the loan through the salary account of ICBC according to the installment repayment period set by himself. \x0d\ x0d \ Card features: no annual fee for three years/installment consumption without going through the examination and approval procedures \ x0d \ Cash withdrawal policy: 50% of the amount, handling fee 1%\x0d\ Annual fee policy: no first year, and no next year if you swipe your card five times or accumulate 500.