ICBC Golden Eagle Credit Card is a co-branded card product jointly issued by Industrial and Commercial Bank of China (“ICBC”) and Golden Eagle Retail Group Limited (“Golden Eagle Retail”). The product is a credit card with basic financial functions, and it is a multi-functional membership card that can be used at shopping malls, supermarkets, bookstores and life centers, etc. of Golden Eagle Retail.

★ Card Design

Gold Card

Platinum Card

★ About the Product
ICBC Golden Eagle Credit Card (the “Golden Eagle Card”) is a personal credit card, and a RMB card with the single logo of China UnionPay (magnetic stripe and PBOC non-contact chip card). The Golden Eagle Cards include platinum cards and gold cards.
Within a year of card use, the gold card will have its master and sub-cards exempted from the annual fee by swiping five times or up to RMB5,000; and within a year of card use, the platinum card will have its master and sub-cards exempted from the annual fee by swiping up to RMB200,000.

★ Benefits
The Golden Eagle Card holders are entitled to special benefits from the co-branding, distinctive financial benefits and distinctive regional benefits.
I. Refund from Special Consumptions in 2018
From now on until December 31, 2018, for any payment made with the ICBC Golden Eagle Credit Card on Saturday, 5% of the payment in RMB will be refunded, up to RMB50 for each card holder on each event day. This benefit is of limited quantity and offered on a first-come, first-served basis.

II. Special Benefits from the Co-branding
i. Accommodation
The Golden Eagle Card holders can have late check-out and designated room upgrade at the hotels of Golden Eagle Retail.
ii. Dining
The Golden Eagle Card holders can have two-for-one buffet on Tuesday, and free wedding accommodation for reserving wedding banquets of ten and more dining tables at the hotels of Golden Eagle Retail.
iii. Bookstores
The co-branded card holders can enjoy the rights and interests as members of the bookstores of Golden Eagle Retail.
iv. Shopping
The Golden Eagle Card (gold) holders, like the VIP platinum members of Golden Eagle, can have a 12% discount off their spending at the chain stores of Golden Eagle Retail. The Golden Eagle Card (platinum) holders, like the VIP platinum members of Golden Eagle commemorative edition, can have a 12% discount off their spending at the chain stores of Golden Eagle Retail; additionally, if the cards of limited edition are applied in the early days of business opening, the holders will enjoy additional benefits from Golden Eagle Retail.
Please visit the portal website of Golden Eagle Retail: www.m.netge.com for detailed distribution information of the group’s hotels, bookstores and stores. The following text is for reference only. For details, please visit the portal website of Golden Eagle Retail.

III. Distinctive Financial Benefits
i. Free access to VIP lounges at Chinese airports and high-speed railway stations
ICBC platinum credit card holders are entitled to access VIP lounges at airports. You can have a rest in a comfortable lounge by simply logging into “ICBC e-Life” App, clicking “VIP Lounges at Airports and High-speed Railway Stations”, and showing your confirmation, thereby enjoying a more luxurious and comfortable trip.
ii. Account security insurance
The account security insurance is an insurance service provided for eligible credit card holders to ensure their card use safety. Card holders are entitled to insurance for the next month for free if they make payments within the month. The insured amount for platinum card holders is RMB50,000, and the minimum and maximum insured amounts for gold card holders are RMB10,000 and RMB30,000, respectively. During the insurance period, if your ICBC credit cards are lost, stolen, copied, or you are coerced to hand your ICBC credit cards to someone else to use, or disclose the bank card number and password to others, and as a result of which, your ICBC credit card encounters loss of funds due to stealing or transfer by others through bank counter, ATM, POS terminal, or online transaction, for transactions made 72 hours before the loss reporting, the insurance company will provide you with insurance compensation.
iii. Traveling inconvenience insurance
If the Golden Eagle Platinum Card holders encounter flight delay, baggage delay and baggage missing prior to December 31, 2018, they can apply for insurance compensation.
iv. Free legal consulting over the phone
By dialing 4006295516 (the special VIP service hotline of China UnionPay) prior to December 31, 2018, the Golden Eagle Platinum Card holders can ask lawyers legal questions free of any charge for unlimited times.
v. RMB1 parking service at airports
By spending only RMB1 with ICBC Golden Eagle Platinum Card (UnionPay brand) in the parking areas at designated airports or exclusive parking areas for China UnionPay card holders, the holders can enjoy 2-hour or 48-hour parking services.
vi. Tolerant of delay and shortage
Tolerant of delay: For cards opened on or later than November 1, 2018, the grace period for repayment is 3 days, which means that the card holders will have a 3-day grace period for repayment, and they are deemed to make repayment in due time if they make it within 3 days after the payment due date.
Tolerant of shortage: For cards opened on or later than November 1, 2018, the grace shortage for due repayment in the current period is RMB10. On the due repayment after grace period date (due date + grace period), when the unpaid amount of all due repayment amount for the previous period is less than or equal to RMB10, the card holder is deemed to have paid all due repayment amount, and the outstanding amount will be included in the next bill.
Interest accrual rules: For cards opened on and later than November 1, 2018, the “special interest accrual” method set forth in Article 3 of the Peony Credit Card Contract (Personal Card) shall apply. If the due repayment in the current period has not been fully repaid before the due repayment date (included), the interests shall be paid for the overdraft transactions (including the repaid portion) from the book-entry date to the repayment date.

Note: The information contained herein is for reference only. Terms and conditions are subject to regulations issued by local ICBC branch.