Conditions for applying for an ICBC credit card: To apply for an ICBC credit card, you must be 18 years of age or older, have a work unit or fixed residence in the location of the card issuer, and have a stable income that is above the local average level. ICBC Credit Card will be reviewed based on the applicant's comprehensive assets and other circumstances, and the final ICBC Credit Card approval result will prevail.

ICBC credit card is the credit card with the highest circulation in China. The main types of ICBC credit cards include:

Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to the terms of ICBC credit card The brands are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to the credit level, they are divided into: platinum card, gold card and ordinary card; according to the issuing objects, they are divided into business cards and personal cards, of which personal cards are divided into main cards and secondary cards.

Extended information:

ICBC credit card charging standard:

1. Annual fee standard:

Domestic ordinary card annual fee 50 yuan, gold card 100 yuan; international dual currency card ordinary card fee 100 yuan, gold card 200 yuan; business ordinary card 200 yuan, gold card 400 yuan; platinum card 2,000 yuan; all supplementary card annual fees are the main card annual fees half the cost.

2. Annual fee-free policy:

ICBC’s annual fee charging standard is to collect the annual fee after use, that is, the annual fee will not be charged until one year after the account has been opened. During this year , as long as you make 5 transactions or 5,000 yuan (3 transactions or 3,000 for the student card, 160,000 points for the annual fee or 200,000 for the platinum card), the annual fee for that year will be waived. At the same time, there is no annual fee for ICBC credit cards if you do not open the card.

3. Permanent annual fee exemption policy for ICBC credit cards:

For platinum card holders who have accumulated a consumption of 4 million yuan, their primary and secondary cards can be permanently exempted from annual fees. discount. For personal card holders of gold cards and ordinary cards, if they have no bad credit record and have continuously held various ICBC credit cards for more than 10 years (including 10 years) since the date of implementation of these measures, they can be given The primary and secondary cards in one account are permanently free of annual fees.

Note: There is no annual fee for ICBC credit cards without opening the card.

4. Cash advance handling fee:

There is no handling fee at the local bank; RMB cash withdrawals in other places are charged at 1% of the amount, with a minimum of 1 yuan and a maximum of 100 yuan; foreign currencies are charged according to the amount 2.9 is charged, with a minimum of 3 Hong Kong dollars or 3 US dollars or 3 euros (including domestic and overseas). Domestic transactions with Platinum Card are free.

5. Interest-free repayment period:

The longest is 56 days, and the bill date is the last day of each month.

Baidu Encyclopedia-ICBC Credit Card

ICBC-Intelligent Customer Service