ICBC cards are divided into debit cards, credit cards, and credit cards. The Peony Psychic Card is a debit card, but it can be used for consumption, but cannot be overdrafted. Deposits are interest-bearing.

Credit card deposits are interest-free, but the credit limit generated by consumption can be overdrafted, with a minimum interest-free repayment period of 25 to a maximum of 55 days. Credit card deposits are interest-bearing, and overdrafts are allowed, but there is no interest-free repayment.