ICBC CR Access Co-branded Credit Card, the first ICBC household consumption co-branded card, is issued jointly by ICBC and CR Access, a full-scenario quality life platform of China Resources (CR). It serves as a credit card with basic financial functions, as well as a multi-functional membership card acceptable in all online and offline scenarios.
To live is to share.
Enjoy convenient life with ICBC CR Access Co-branded Credit Card in your hand!
From January 15, 2018, customers who have successfully applied and opened accounts for ICBC CR Access Co-branded Credit Card (platinum) can enjoy ICBC’s exclusive preferential policy – zero annual fee for the first year. 

The rights and benefits of ICBC CR Access Co-branded Credit Card are as follows:

I. Characteristic Rights and Benefits
i. Faster upgrading to high-end membership
The holder of classic and gold ICBC CR Access Co-branded Credit Card will be awarded CR Access privileged membership, and the holder of platinum ICBC CR Access Co-branded Credit Card will be awarded CR Access distinguished membership. The term of membership of one year, after which CR Access will make adjustment based on customer’s consumption record (see CR Access App for detailed rules of adjustment).
Persons not holding the co-branded card need to make payment of RMB5,000 to obtain the CR Access privileged membership and RMB50,000 to obtain the CR Access distinguished membership.

ii. Gift for activating/relating
From April 1 to December 31, 2018, activate the card, scan the 2D code at the back of card to download CR Access APP and relate it to your card, and you will get 1,000 CR Access bonus points. (Available for the first 10,000 customers on a "first come, first served" basis during the period of offer)
The cardholder downloading CR Access APP and relating it to the card for the first time may enjoy RMB88 CR Access Platform coupon (composed of RMB8 CR Access Platform Coupon + RMB20 CR Access Platform Coupon + RMB60 CR Access Platform Coupon) in addition to 1,000 CR Access bonus points.  

iii. Repeated bonus point calculation for payment with one card
The amount of effective payment with ICBC CR Access Co-branded Credit Card will be rewarded with CR Access bonus points in the next month at the rate of RMB2 for 1 bonus point (Special transactions to which bonus points will be not rewarded as stipulated by ICBC are excluded). Overseas payment with the single VISA Logo CR Access co-branded card will be rewarded with double times of CR Access bonus points than usual.
Bonus points will be rewarded three times for each payment in all CR scenarios!
First time: Payment in various CR scenarios with the CR Access co-branded card will be rewarded with CR Access bonus points.
Second time: The amount of effective payment with ICBC CR Access Co-branded Credit Card will be rewarded with CR Access bonus points in the next month at the rate of RMB2 for one bonus point (Special transactions to which bonus points will be not rewarded as stipulated by ICBC are excluded).
Third time: Payment with ICBC CR Access Co-branded Credit Card in cooperative merchants of CR will be rewarded with up to 10 times of CR Access bonus points.
Double bonus points for overseas payment: Overseas payment with the single VISA Logo CR Access co-branded card will be rewarded with double times of CR Access bonus points than usual.
Taking MIXC for example:
Customers paying for bills in Wang Steak in MIXC with ICBC CR Access Co-branded Credit Card will enjoy: (1) Up to 10 times of CR Access bonus points as Wang Steak is the cooperative merchant; (2) One time of CR Access bonus point due to payment in MIX; and (3) CR Access bonus points obtained for conversion at the rate of RMB2 for 1 point.

iv. Enjoying quality life with bonus points
CR Access bonus points, valid for three years, may be used in online APP, offline business and cooperative merchant of CR. The bonus points may be exchanged for two-for-one coupon of Pacific Coffee, voucher of CR Vanguard, voucher of Ole’ supermarket, parking ticket of MIXC, etc.
Moreover, they can be exchanged for various benefits provided by external merchants of CR at any time, such as vouchers provided by Didi, KFC, McDonald, Burger King, GODIVA, Haagen-Dazs and Sinopec, quarter membership of Tecent, Mango TV, Letv and iQIYI, Youku, data package of China Mobile and Unicom and IMAX movie ticket.

v. Value-added benefits for CR membership  

CR business	Benefits for membership
Ole’ supermarket	2% discount all through the year
	12% discount on products at the original price on the 23rd day of March, June, September and December
	Cashing of bonus points: 500 CR Access points = RMB2
	Birthday offer: 15% discount on birthday cakes all through the year
MIXC	Free parking for platinum card
	Free package
Pacific Coffee	Cashing of bonus points: 250 CR Access points = RMB1
	10% discount for payment with platinum card
	Enjoying RMB16 super-large cup of drinks with ICBC CR Access Co-branded Card (UnionPay) on every February and Saturday
	50% discount on the second cup of drinks on Tuesday for gold card
	RMB6.2 drip coffee of any type on the 16th and 26th day of each month with ICBC CR Access Co-branded Card (UnionPay)
CR Vanguard	Exclusive discount for cardholders
CR Care	8% discount on some products at the original price
	Birthday voucher on the birthday
China Resource Gas	8% discount on some PERCEN gas stoves at the original price

Notes:
(1) Cardholders can enjoy membership benefits of all business units of China Resources. Please refer to the official notice posted on “Huaruntong” App and publicized by local business units for details.
(2) In some cities, you have free parking on the Mixc. Please see the announcement of the local Mixc for details.
(3) Benefits of Huaruntong co-branded cards must be claimed through the App; active mobile phone number is the only identifier of membership of cardholders from China’s Mainland. Please make sure that an effective mobile phone number is furnished in application for a card so that you can enjoy more membership benefits. 
Please visit CR Access app for more details of benefits of CR membership.

II. Basic Elements and Card Samples
The card is divided into platinum card, gold card and classic card, including single UnionPay logo single-currency card (magnetic stripe + PBOC non-contact chip card) and single VISA logo multi-currency card (magnetic stripe + EMV non-contact chip card). PBOC chip card is for domestic use and EMV chip card is for overseas use, both having stronger encryption, higher security and wider access.

For classic and gold card, the annual fee of main and supplementary cards is exempted as long as a total of five times of payment are made or RMB5,000 (or equivalent amount in foreign currencies) is paid in the year.  For platinum card, the annual fee of main and supplementary cards is exempted as long as a total of RMB200,000 (or equivalent amount in foreign currencies) is paid in the year.  

Classic Card

Gold Card

Platinum Card

III. Financial Benefits
i. Exemption of multi-currency exchange fees
No currency exchange fee for any spending overseas. The credit card supports ten foreign currencies including USD, EUR, HKD, GBP, JPY, SGD, CAD, AUD, CHF and NZD. The consumption at the network of VISA in countries or regions of the ten foreign currencies is directly posted to the account in corresponding currencies without currency exchange, so the card holder does not need to pay the exchange fee. For the consumption out of countries or regions of the ten foreign currencies, the exchange fee is automatically exempted.

ii. Tolerance of delay and shortage
The repayment grace period is 3 days, that is, the Huaruntong co-branded card holder will have 3 days as the repayment grace period. As long as the card holder pays off the bill within three days following the due day, it is still deemed as punctual repayment.
For cards opened on or later than December 1, 2017, the grace shortage for required repayment in the current period is RMB10. By the due repayment grace period date (due repayment date + grace period), when the unpaid portion of all the required repayment amount for the last bill is less than or equal to RMB10, the card holder is deemed to have paid all required repayment amount.
For cards opened before December 1, 2017, the grace shortage for minimum repayment is RMB10. By the due repayment grace period date (due repayment date + grace period), when the unpaid portion of the minimum repayment amount for the last bill is less than or equal to RMB10, the card holder is deemed to have paid the minimum repayment amount.
As from December 1, 2017, for newly-opened ICBC Huaruntong Co-branded Credit Cards, the “special interest calculation” method as stipulated in Article 3 of the Peony Credit Card Receipt Contract (Personal Card) shall apply. If the required repayment in the current period has not been fully repaid before the due repayment date (included), the overdraft interests shall be paid for the overdraft transactions (including the repaid part) from the bank accounting date to the repayment date.

iii. High-amount travel inconvenience insurance
1. Air travel accident insurance
From now to December 31, 2018, the card holder who has successfully applied for and activated ICBC Huaruntong Co-branded Credit Card at platinum level can get the air travel accident insurance of as high as RMB4 million, without needing to go through any formalities in advance. After expiry of the benefits, the announcements on latest activities published on the Bank’s official website shall govern.
2. Travel inconvenience insurance
From now to December 31, 2018, the platinum Huaruntong co-branded card holder can apply for compensation pay-outs in case of flight delay, baggage delay or loss. After expiry of the benefits, the announcements on latest activities published on the Bank’s official website shall govern.

iv. Account security insurance
Free account security insurance covering all ICBC credit cards under the name of the cardholder for the next month will be offered once the credit card is used for at least one payment for any amount of consumption within one month, with high coverage, quick settlement and maximum compensation of RMB50,000. For details and settlement process, see the “ICBC Credit Card Benefit Section” on the official website of ICBC.

v. Other financial services
Revolving credit and long interest-free repayment period
Personal credit consumption loans
Human-based password selection function
Installment in diverse manners such as phone, POS, counter, Internet Banking, etc.
24-hour Internet and Telephone Banking services
Electronic statement service

IV. Travel Benefits
i. Free overseas WiFi
Platinum and gold ICBC Huaruntong VISA co-branded card holders are entitled to two-day free Wi-Fi overseas. The holders may make reservation via the WeChat public account of uroaming WiFi, APP and official website and enter the coupon code (HQMYVISA) during payment (if renting is shorter than five days, the offer is inapplicable). Each holder is entitled to one offer. First come, first served. The offer cannot be used in conjunction with other offers.

ii. Free airport VIP lounge
ICBC provide airport VIP lounges for platinum ICBC credit card holders. The holders can enjoy the airport VIP lounges designated by ICBC as long as they show their platinum ICBC Huaruntong co-branded credit cards, making trips more comfortable. Click for details.

iii. Airport parking with RMB1
From now to December 31, 2018, paying RMB1 with platinum ICBC Huaruntong co-branded credit cards (UnionPay) can enjoy 2h or 48h parking in designated airport parking lots or parking areas dedicated for UnionPay.

V. Up to 50% off for “I Go Weekend”
From now to October 31, 2018, ICBC Huaruntong co-branded credit card holders can enjoy a discount of up to 50% for food, shopping, movies, supermarkets, convenience stores, coffee and desserts at 10,000 merchants in 500 business districts of 100 big cities across China on weekends. As for details about the stores, merchants and activity, please subscribe the WeChat public account of “icbccards”, and refer to “I want special offers”-“50% discount for I Go Weekend” and follow the “I Go Weekend” program. After expiry of the benefits, the announcements on latest activities published on the Bank’s official website shall govern.

VI. Up to 21% cash-back for overseas purchases and shopping on I Go Global
From the present day to February 28, 2018 (excluded), ICBC Huaruntong co-branded credit card holders can enjoy a cash-back of up to 21% on overseas purchases by sending an SMS reading “XYK8” to 95588 using the mobile phone number preserved at ICBC, or sending “XYK8” to ICBC Messenger via ICBC Link to sign up for the activity. You can enjoy a cash-back of up to 12% (RMB120) for a single payment of no less than RMB1,000 for consumption; besides, for every 6 payments for consumption of no less than RMB300 each, there is a chance of getting another cash-back of 9% for any of these payments, which covers all cross-border merchants both online and offline and is supported by the top six card issuers. The quota is limited, and first come first served. As for specific period, rules and benefits of the activity, please subscribe the WeChat public account of “icbccards”, and refer to “I want special offers”-“21% discount for I Go Global” or click to query. After expiry of the benefits, the announcements on latest activities published on the Bank’s official website shall govern.
To the extent permitted by law, ICBC reserves the right to revise the terms and specific rules of this activity, and has the right to suspend or cancel this activity, which will take effect after being published through ICBC channels (such as ICBC website, ICBC credit card WeChat public account).