ICBC conducts star rating for individual customers. Credit card customers and debit card customers may be VIP customers. Different cities have slightly different standards. Some places are based on deposits, such as an average daily deposit of more than 200,000 (a quarter). Sometimes lower-level ICBC customers can become senior VIP customers as long as they apply for ICBC's platinum credit card or wealth management account.

After becoming a senior VIP customer of ICBC, you can enjoy VIP service and some preferential treatment when handling business. For example, ICBC's five-star services are as follows:

1. Provide "six specialized" services for wealth management accounts, namely: exclusive VIP access, exclusive fee concessions, expert wealth management services, exclusive wealth management products, professional account management and exclusive exciting activities.

2. Provide automatic credit service for personal consumption credit line. Each bank will set its own basic credit line for each star, and customers will decide whether to use this line according to their own needs, thus further broadening customers' financing channels.

3. With the configuration of the credit card gold card, customers can enjoy the preferential merchant discount of the credit card gold card, VIP access at the airport and other value-added services.

4. Enjoy preferential rates for related businesses.

5. Service channels: mainly provide services for five-star customers through VIP financial center, VIP online banking, VIP service line, WAP, self-service banking and other channels.