1. Introduction to co-branded cards

Peony COFCO Credit Card is a credit card jointly issued by Industrial and Commercial Bank of China and COFCO Group Co., Ltd. Both parties use co-branded credit cards as a carrier to integrate their respective advantageous resources and provide customers with Provide high-quality financial services and multiple preferential measures.

Peony COFCO credit cards are divided into two categories: Peony dual-currency credit card under the American Express brand and Peony quasi-credit card under the UnionPay brand.

2. Financial Services

(1) Peony COFCO Credit Card--Peony Dual Currency Credit Card

Features one card with dual currencies, cash deposits and withdrawals, and credit card In addition to traditional financial functions such as consumption and revolving credit, it also has:

1. Long interest-free period: It has a minimum interest-free repayment period of 25 days and a maximum of 56 days.

2. Purchase of foreign exchange for repayment: Foreign currency debts incurred when using foreign currency accounts overseas can be repaid by purchasing foreign exchange in RMB.

3. Password input for consumption is optional: When using a co-branded card to make purchases, you can choose to use a password and set a password limit.

4. Installment payment: Enjoy various installment payment methods such as POS installment payment from special merchants, call 95588 for general consumption or installment payment at the counter.

5. Self-service: You can enjoy ATM self-service, ICBC online banking self-service inquiry, transfer, payment, information modification and other services, as well as telephone self-service limit adjustment, card replacement, loss report and other services.

6. SMS reminder: After registering for the SMS reminder service, ICBC will remind the cardholder of any changes in the funds in the credit card account through mobile phone text messages.

7. High-value insurance: When you use the Peony COFCO dual-currency credit card to pay for any means of transportation, you can receive traffic accident insurance and travel inconvenience insurance provided by ICBC.

8. Bind account and automatically repay: Our bank will automatically debit the preset account to repay the credit card overdraft before the monthly payment due date, which not only makes full use of the interest-free discount, but also avoids forgetting. Financial losses caused by on-time repayments, manage your wealth wisely.

9. Global service and support: You can enjoy global service and support provided by the global professional service network of our bank and American Express.

10. Exclusive travel discounts: You can enjoy unique, member-only travel discounts and upgrade plans provided by many well-known airlines, as well as free accommodation plans with many well-known hotels in China and the Asia-Pacific region. , will create a more comfortable journey experience for you.

11. Financial management and points rewards: Using the Peony COFCO dual-currency credit card, you can get the electronic year-end settlement list service provided by our bank, which will display your card consumption in detail, so that you can Have more detailed and reliable analytical data when formulating reasonable financial plans. You can also obtain generous points through the points reward and redemption program to enjoy more discounts and consumption fun.

(2) Peony COFCO Credit Card - Quasi-credit card

In addition to the functions of cash deposit and withdrawal, deposit interest calculation, credit consumption, self-service, etc., it also has the function of password input for consumption. , self-service, SMS reminders, financial management and points rewards, use at overseas UnionPay merchants, automatic repayment by binding accounts, and other functions.

3. Special services

(1) Corporate business card services

Provide corporate customers with corporate business cards through Peony Credit Card and ICBC’s unique financial POS Card services. Employees use credit cards as designated cards for official activities such as daily travel, meeting expenses, and small purchases, and realize expense reimbursement and transfer of funds through financial POS. Provide automated travel expense management services for the financial department, reduce financial cash occupation, reduce daily reimbursement pressure, increase fund use efficiency, and improve corporate cash management levels.

(2) Personal account management services

By giving full play to the outstanding features of Peony Dual Currency Credit Card, which is one card with two currencies, interest-free consumption and interest calculation on Peony quasi-credit card deposits. , binding the automatic repayment function of credit cards can give full play to their respective functional advantages and provide cardholders with fast, efficient and economical account management services.

The first phase of the Peony COFCO Credit Card is issued to internal COFCO Group employees.