1. Recommend ICBC Food Card. Peony Food Card is a theme credit card issued by Industrial and Commercial Bank of China, with the connotation of "love food, love life". Cardholders can not only enjoy the basic financial functions and services of ICBC Peony Credit Card, but also experience the preferential treatment of ICBC catering merchants all over the country, and enjoy the warm service provided by ICBC while enjoying the delicious food. Products are issued by UnionPay, Visa and MasterCard. Among the 3,000-5,000 high-end catering merchants in ICBC, customers of Peony Food Card can get preferential treatment. If you spend 5 transactions or 5,000 yuan (including equivalent foreign currency) a year, you can reduce the annual fee of the account for that year.

2. ICBC is practical. If you spend five times a year, you can avoid the annual fee if the amount of consumption is not limited. There are many outlets and ATMs. There is no handling fee for deposit and withdrawal, one yuan and one cent, free SMS, installment payment and online banking transfer. Students can also apply for a student card or a simple card, and they will know after using it. The disadvantage is that the overdraft limit is not much at first, which is quite safe.