1. Customers with personal gold card, personal ordinary card and personal special card who spend more than five times in a year, that is, RMB 5 yuan or equivalent foreign currency, can enjoy annual fee reduction.

2. The annual fee of UnionPay standard platinum card (except UnionPay Zunshang Platinum Card, Dual-core Platinum Card and UnionPay Multifunctional Platinum Card) is charged at 10% discount.

3. Platinum card customers who spend more than 200,000 yuan (excluding 200,000 yuan) or the equivalent in foreign currency (excluding online consumption, house purchase, car purchase, wholesale, public welfare and other non-cumulative merchants' consumption recognized by ICBC) in the year of using the card will be exempted from the annual fee of the main and secondary cards. (Except for Centurion Platinum Card ICBC Express)

4. Platinum card customers who spend RMB 4 million or equivalent in foreign currency in their local and foreign currency accounts (excluding online consumption, house purchase, car purchase, wholesale, public welfare and other non-accumulative merchants' consumption recognized by ICBC) can be given a permanent annual fee-free discount for the main and secondary cards. (Except for Centurion Platinum Card ICBC Express)

5. Corporate card (corporate card) customers who spend more than 100 yuan or 100 yuan in local and foreign currency accounts in the current year can enjoy the annual fee reduction of the main card.

6. Personal card accounts signed with Industrial and Commercial Bank of China for paying wages, pensions, subsistence allowances, medical care, unemployment insurance and housing provident fund are exempt from annual fees (except platinum cards and above).

7. Free use of official cards (personal cards, business cards).