It is really different from ordinary bank cards, because it is a chip card, so the validity period is only ten years. ICBC cards are divided into chip cards (including single chip cards and magnetic stripe chip composite cards) and magnetic stripe cards according to card functions/information carriers. The validity period of ICBC's chip debit card is calculated from the card-making date, and is uniformly set to 10 year. The final expiration time is printed on the lower left corner of the card surface, and the card can be changed at any time before the expiration.

The validity period of a credit card is embossed on the front of the card, with the first two digits being the month and the last two digits being the year (such as MM/YY). There are many card faces, which can be used normally if the account status is normal.

The basic task of China Industrial and Commercial Bank is to raise social funds through financing activities at home and abroad, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.

Industrial and commercial bank cards are mainly divided into two types, one is a savings card and the other is a credit card. Savings cards are mainly used for bank card services provided by customers' access functions, which can be used for cash withdrawal, transfer and investment and wealth management. Savings cards are divided into different types, including Peony American Express Card, Peony Smart Card, E Times Bank Card, Peony International Debit Card and Financial Account Bank Card.

Industrial and commercial bank cards are divided into credit cards and debit cards.

(1) Credit cards are divided into credit cards and quasi-credit cards.

1. Credit card refers to a credit card that the issuing bank gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay.

2. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

(2) Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn.

1. The transfer card has the functions of transferring money, accessing cash and spending.

2. A special card is a debit card used for special purposes (other than department stores, restaurants and entertainment industries) in a specific area, and has the functions of transferring money and depositing and withdrawing cash.

3. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements and directly deducts money from the card during the transaction.