ICBC JD Baitiao Co-branded Credit Card is a "Joy & Doga" cartoon-themed co-branded credit card jointly issued by Industrial and Commercial Bank of China and JD Digital Group (formerly JD Financial Group). This card is a UnionPay single-brand multi-currency card with a gold level. So what are the rights and interests of the ICBC JD Baitiao co-branded credit card?
What are the benefits of ICBC JD Baitiao co-branded credit card?
The benefits of the ICBC-JD Baitiao co-branded credit card include 6% cashback on JD.com purchases, UnionPay multi-currency account services, time tolerance, account security lock and points binding to JD.com payment. This card is a gold card, with an annual fee of 200 yuan/card/year (additional card application is not supported); the annual fee will be charged immediately after the card is activated, and there is no preferential policy for exemption or reduction.
1. Jingdong Mall’s 6% cash back on consumption
From January 1, 2022 to December 31, 2022, Xiaobai card holders will receive a discount every weekend (including Saturdays and Sunday) Purchase goods through JD.com (PC and mobile) and bind a Xiaobai card to complete the payment, and you can enjoy a 6% cashback on the order amount. The maximum cash rebate for the same customer is 20 yuan per week. The number of places is limited and first come, first served.
2. UnionPay multi-currency account service
The card adopts UnionPay multi-currency account, and the card can enjoy RMB accounts and four commonly used foreign currency accounts of US dollars, euros, Macau pataca and Hong Kong dollars. , can be used on UnionPay networks at home and abroad. When used on the UnionPay network in countries or regions corresponding to the four foreign currencies, the account can be directly credited in the corresponding currency without paying foreign exchange fees. The repayment can be made directly in foreign currency or by purchasing foreign exchange in RMB. When using it in countries or regions other than the four foreign currencies, using the UnionPay network and crediting it to the RMB account will automatically waive foreign exchange fees.
3. Time tolerance
The repayment grace period is 3 days, which means that the cardholder will be provided with a 3-day repayment grace period service, and the cardholder will repay upon maturity. If the payment is made within 3 days in the future, the cardholder will be deemed to have made the payment on time. The grace balance of the current period's repayment is 10 yuan. On the due repayment grace date (due repayment date + grace period), when all the unpaid portion of the previous period's bill is less than or equal to 10 yuan, the cardholder will be deemed to have paid in full. repay the amount.
4. Account security lock
Through five locks including "overseas lock", "region lock", "night lock", "overseas card-less payment lock" and "limit lock", comprehensive Prevent and control the risk of fraud.
5. Bind JD Pay to earn points
Bind JD Express Payment to accumulate ICBC personal comprehensive points. Points can be used to offset cash when spending at selected merchants on the ICBC eLife App or ePayment. The event ends on December 31, 2022.
The above is all the content, I hope it will be helpful to you.