This kind of card cannot be used for cash withdrawals and transfers, and can only be used for consumption. Cardholders can automatically repay their wages according to their self-set installment payment period through their salary payment account at ICBC. \x0d\\x0d\Card features: no annual fee for three years/no approval procedures for consumption installments\x0d\Cash withdrawal policy: 50% of the limit, 1% handling fee\x0d\Annual fee policy: free for the first year, swipe the card 5 Time or cumulative consumption of 500 will be exempted for the next year