There are many types of credit cards on the market, and many users don’t know how to choose a credit card from a credit card application platform or what kind of credit card is more practical. For example, ICBC, as a major bank in the world, has a large number of credit cards. Many users do not know which ICBC credit card to choose. So, which ICBC credit card is better? Practical credit card inventory!
1. Cosmic Constellation Credit Card. This is a card type with the theme of the twelve zodiac signs. It is an exclusive black card for young people with good looks. It has two levels: gold card and simple white card. There is no annual fee within the validity period, and you can enjoy a 3-day grace period, 0 Foreign exchange exchange fees, 10 times points for purchases on your birthday, free account security insurance, account security lock and other service rights. As the main card recommended by ICBC, it is easier to pass the card.
2. ICBC UnionPay Zodiac Credit Card. This is based on the twelve zodiac signs, and the card face is designed with large seal script oracle bone inscriptions, which highlights the charm of traditional culture. There are two levels of gold card and platinum card, both of which can conditionally reduce the annual fee. It can provide 3-day repayment grace period, travel inconvenience insurance, account security insurance and other service rights, as well as the opportunity to waive the first cloud quick payment of each month, 12306 ticket purchase up to 20 yuan and other discounts.
3. ICBC Kaiyuan UnionPay Platinum Card. After applying for the card, if the cardholder's flight is delayed for more than 4 hours, the cardholder will be compensated 500 yuan domestically and 1,000 yuan overseas, with an annual cumulative compensation limit of 5,000 yuan. Free use of airport VIP lounges designated by ICBC. The Platinum Card matches Kaiyuan Shangqi Platinum Card members and enjoys a 35% discount on hotel rooms under Kaiyuan. When you open the card, you will receive a membership gift package worth 500 yuan, including 1 room upgrade coupon, 1 50% off high-star hotel experience coupon, 1 25% off Manju Hotel experience coupon, 1 50% off buffet coupon, and 1 50 yuan dining coupon Coupons. If a new account spends RMB 4,999 within 90 days of opening the card, including one bound purchase, you will have the opportunity to get a free room coupon worth RMB 600.
4. ICBC Phoenix Miles Peony Credit Card. Using this card, cardholders can enjoy the insurance amount if their flight is delayed for more than 4 hours, which is 500 yuan/time domestically and 1,000 yuan/time overseas, with a total of 5,000 yuan per year for the whole year. And you can use ICBC’s designated airports and high-speed rail VIP lounges for free, and there is also aviation accident insurance up to 4 million yuan. If your luggage is delayed, you can also enjoy compensation, which is 500 yuan/time within the country and 1,000 yuan/time overseas, with a total of 5,000 yuan/year throughout the year. More importantly, every 15 ICBC consumption points are automatically redeemed for 1 Air China mile.
5. ICBC Endeavor Langping Credit Card. This is a credit card endorsed by Lang Ping. It has three levels: regular card, gold card, and simple platinum card. They are all free of annual fees within the validity period. They can provide a 3-day repayment grace period, free foreign exchange fees, and a mobile phone with a maximum of 1,990 yuan. Insurance and other rights and interests. As the main card promoted by ICBC, this credit card has a good credit card acceptance rate.
The above is an introduction to ICBC’s practical credit cards. Users can submit credit card applications based on their actual needs and repayment capabilities to avoid excessive consumption of credit cards and eventual inability to repay.