Tolerance of delay and of shortage; UnionPay multi-currency card, free of service charges for currency conversion
Any consumption will be rewarded an account security insurance with maximum compensation of RMB50,000
6% refund for refueling at designated CNPC gas stations across the country every Sunday
Up to 50% discount at most for “I Go Weekend”
New customers are entitled to one-off gifts as long as they make a total of three payments within 60 days after the card is activation. The gift for each gold card holder and classic card holder worth RMB200 and RMB100 respectively. The gift will be ICBC e-Life mobile charges coupons.
Referral of new customers will be awarded with up to RMB4999 cash-back.
The ICBC Mobile Smart Go Global platform provides benefits including insurance purchase, policy inquiry, claim settlement, car wash and maintenance, car travel, online payment of fines and substitute driving and rescue.
Platinum card holders also enjoy benefits including free rests in airport, high-speed rail VIP rooms, RMB1 for airport parking, RMB4 million aviation accident insurance and travel inconvenience insurance.
Annual fee will be charged immediately after activation of card and the preferential policies in this regard will not be enjoyed.
Card Face Design of ICBC I Car Plus Credit Card
ICBC I Car Plus Credit Card is divided into three grades, platinum card, gold card and classic card.

(Platinum Card)	(Gold Card)
(Classic Card)

Details of Benefits for ICBC I Car Plus Credit Card
I. Annual Fee Standard
Annual fee will be charged immediately after activation of card, without preferential policies in this regard. The annual fee will be charged according to the price list on ICBC’s official website: RMB100/card/year for classic card (half for the supplementary card), RMB200/card/year for gold card (half for the supplementary card) and RMB2,000/card/year for platinum card (half for the supplementary card).
Tips: No supplementary card is offered for I Car Plus.

II. Featured Financial Benefits
i. Multi-currency
The I Car Plus card is the UnionPay multi-currency card, supporting the payment with RMB, USD, EUR, MOP and HKD in the UnionPay network at home and abroad. The payment in UnionPay network in countries or regions of the four foreign currencies is directly charged to the account in corresponding currencies, so the holder doesn’t need to pay exchange conversion fees. Repayment can be made with foreign currencies directly or RMB through the exchange purchase for repayment process. Payments in countries or regions not using the four foreign currencies above will be charged to the RMB account through the UnionPay network while the service charges for currency conversion will be exempted automatically.
ii. Tolerance of delay
The repayment grace period is 3 days, that is, the 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.
iii. Tolerance of shortage
For cards opened on or later than December 1, 2017, the grace amount for required repayment in the current period is RMB10. By the final repayment 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 off required repayment amount.
For cards opened before December 1, 2017, the grace amount for minimum repayment is RMB10. By the final repayment 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 I Car Plus 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 (inclusive), the overdraft interests shall be paid for the overdraft transactions (including the repaid portion) from the bank accounting date to the repayment date.
iv. Account security insurance
The account security insurance will be granted once the card holders activate the card and make one payment for consumption. The maximum compensation amount is RMB50,000. During the insurance period, if your ICBC credit cards are lost, stolen, copied, or you are coerced to give your ICBC credit cards to someone else to use, or disclose the bank card number and password to others, resulting in your funds in the account stolen or transferred to others through counter-based services, ATM, POS or online banking, causing you financial loss within the insurance period, the insurance company will make up for your loss in the transactions made in 72 hours before loss reporting. After expiry of the benefits, the announcements on latest activities published on the Bank’s official website shall govern.
v. Other financial services
Revolving credit and long interest-free repayment period
Personal credit consumption loan
Installment payment via telephone banking, POS terminal, counter or internet banking
24-hour internet and telephone banking services
Electronic reconciliation service
Refund scheme for bonus points

III. Super Promotions
i. 6% refund for refueling
From January 1, 2018 to October 31, 2018, the holders of I Car Plus card may enjoy 6% cash refund to refuel in over 20,000 CNPC gas stations (Appendix) across China and make payment with the card on each Sunday (00:00 - 23:59:59). The benefit is available for each customer once every Sunday with a maximum refund of RMB20 each week and RMB100 each month. The cash refunds total RMB2 million and will be provided on the first-come-first-served basis.
ii. Gifts for new customers
From January 1, 2018 to October 31, 2018, customers having been granted with the first I Card Plus card are entitled to one-off gifts as long as they make a total of three payments within 60 days after the card is activation. The gift will be ICBC e-Life mobile charges coupons. The gift for each gold card holder and classic card holder worth RMB200 and RMB100 respectively. The benefit doesn’t cover platinum card holders. The offer is provided to a limited number of first comers.
iii. ICBC credit card partners
If someone without ICBC credit card applies for the I Car Plus card, become a new ICBC credit card customer, and activate the account during this period under your recommendation, you may win surprise gifts and cash-back of up to RMB4999 (scan the QR code at the bottom with WeChat to learn details about the offer):
iv. Activity rules
1. To participate in the “6% refund for refueling” activity, the holders of I Car Plus cards need to use the card on ICBC POSs for refueling or recharging at designated CNPC gas stations to enjoy the 6% refund. The benefit is available for each customer once every Sunday, with a maximum refund of RMB20.
2. See the designated CNPC gas stations of the “6% refund for refueling” activity at the List of CNPC Gas Stations for 6% Refund on ICBC official website. Please note that the gas stations are subject to changes from time to time.
3. For the “6% refund for refueling” activity, the consumption date will be based on the consumption book date recorded in ICBC’s clearing system. The amount of the return will be recorded on the second day after the consumption book date, and the receiving date may be later due to unpredictable factors. In case of return, reversal or revocation, no refund will be made, and ICBC retains the right to deduct the amount that is not eligible but has been refunded; if any customer is found to use the rules of the activity for maliciously securing refund awards, ICBC retains the right to discontinue his/her right to participate in the activity. If the customer has question about the refund activity, he/she may raise it to ICBC within 90 days after the activity, which will not be accepted after the time.
4. For the purpose of “Gift for New Customers” activity, new customers refer to those who have never held any ICBC credit card before, and this I Car Plus card applied for by the customer is the customer’s first ICBC credit card. If one had held an ICBC credit card before and cancelled it afterwards, he/she will not be regarded as a new customer. As to “3 payments in 60 days”, the 60 days refer to 60 natural days. The date of payment of each transaction is the book-keeping date registered in ICBC settlement system. Customers failing to meet the condition of “three payments” due to goods return, reversal or cancellation are not qualified to receive the gift.
5. For “Gifts for new customers” activity, ICBC will determine a list of eligible card holders once every quarter (the first list will be determined in April 2018 and the following lists will be determined at corresponding times). The mobile charge service provider of ICBC e-Life, 99 Wuxian, will send ICBC e-Life mobile charge coupons to mobile numbers left by card holders in the application for I Car Plus card. If the card holder cancels the credit card before ICBC identifies the list, he/she will not enjoy this benefit, and shall not claim for compensation in any form from ICBC on this basis.
6. Detailed rules for using the “ICBC e-Life mobile charge coupon”, the award of “Gifts for new customers” are as follows:
(1) The card holder downloads “ICBC e-Life” APP. Click “mobile charging” to enter “Present for New Customers of ICBC I Car Plus Credit Cards”, enter the mobile number and select the value. Tick “I Car Plus Coupon” and enter the coupon number sent through SMS. Click “Charge right now” and complete payment.
(2) The coupon can only be used once for each transaction. The unused part will not be returned.
(3) The coupon is valid for 3 months. The customers are regarded to have abandoned it automatically if the coupon is not used during the validity period, in which case no additional coupons will be issued.
(4) The customer should use the same mobile number when registering for the activity and ICBC e-Life. Otherwise, the coupon cannot be sent.
7. ICBC will withhold the individual income tax if involved in any of the awards. ICBC will make no charge related to the awards in any form. Please be cautious of fraud.
8. If customers are found to be engaged in obtaining award illegally by taking advantage of the rules of offer, ICBC reserves the right to cancel their eligibility for the offer. If the customer has question about the activity, he/she may raise it to ICBC within 90 natural days after the activity, which will not be accepted after the time. If the card holder has fraud, cashing out, overdue repayment, frozen card, termination of payment, card collection, cancellation of account, non-payment of other debts to ICBC, actual or suspected violation of laws, regulations, “Rules for Peony Credit Card of ICBC”, “Peony Credit Card Receipt Contract” or rules of this activity and other relevant provisions, he/she will be disqualified to participate in this activity and ICBC retains the right to take appropriate legal measures.
9. 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).
Remarks: In the event that the card is issued before December 31, 2017, new customers of I Car Plus can still obtain the awards of “Gift for new customers” activity if they satisfy all conditions for “Refund to new customer” of 2017 (Attachment in the form of link).

IV. Benefits of Smart Go Global Platform
You may enter the mobile terminal of ICBC, ICBC Mobile and click “Credit card” at the homepage to enter “Smart Go Global” (formerly “I Car Card” platform) or click “+” to add “Smart Go Global” to the “Favorite”. Then you may enjoy the car service package provided by ICBC for you, including insurance purchase, policy inquiry, claim settlement, car wash and maintenance, car travel, online payment of fines, credit card for car owner, substitute driving and rescue and car town.
Notes: The content and detailed rules of benefits are subject to changes from time to time. Please check the “Smart Go Global” platform for the latest information. Except “insurance purchase”, “policy inquiry”, “credit card for car owner” and “online payment of fines”, all services of “Smart Go Global” are provided by third parties, which should be consulted in cases of any doubts. If any service quality problem arises, please consult the third-party providers and ICBC accepts no responsibilities. Service hotline of third party providers:
55maiche: 010-65611161/65611181
Chediandian: 4006935000
Kalading car caring: 4000068181
Wuyo designated driving: 4008213099
DragonPass: 4008821111

V. Travel Benefits
i. Free domestic airport and high-speed rail VIP lounge
From today to December 31, 2018, the holders of I Car Plus platinum cards may use the VIP lounges at domestic airports and high-speed rail stations designated by ICBC by logging in ICBC e-Life app, clicking the “VIP lounge of airport and high-speed rail stations” and showing the card, to get a comfortable place of rest and make the journey more noble and comfortable. After expiry of the benefits, the announcements on latest activities published on the Bank’s official website shall govern.
ii. RMB1 parking service at airports
From the present day to December 31, 2018, the holders of I Car Plus card platinum cards may pay RMB1 with the cards for 2h or 48h parking service in parking areas of domestic designated airports or the UnionPay exclusive parking areas. After expiry of the benefits, the announcements on latest activities published on the Bank’s official website shall govern.
iii. Discounted global car rental
From the present day to December 31, 2018, the holders of I Car Plus cards may enjoy global car rental discount. After expiry of the benefits, the announcements on latest activities published on the Bank’s official website shall govern.
1. Hertz: 10% off for global Hertz car rental + escalated price reduction on meeting specified criteria.
2. Top1: 12% off for self-driving of rented car and exclusive car pickup.
3. Discounts are only available when I Car Plus card is used to make the payment.
iv. Insurance service
1. Air travel accident insurance
From the present day to December 31, 2018, you may enjoy RMB4 million value of aviation accident injury insurance provided by ICBC for free as long as you activate the I Car Plus platinum card, with no need for 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
Holders of I Car Plus platinum card suffering from flight delay, luggage delay and luggage loss in air travels from today to December 31, 2018 may apply for insurance compensations. After expiry of the benefits, the announcements on latest activities published on the Bank’s official website shall govern.

VI. Benefits on I Go
From the present day to October 31, 2018 (exclusive), holders of I Car Plus card can enjoy a discount of up to 50% at weekend for dining, shopping, watching movies, spending at supermarkets, convenience stores, and coffee/dessert shops at 10,000 merchants located in 500 business districts of 100 big cities across China. 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.  

Quick Payment with ICBC I Car Plus Credit Card
★Linking the card to your mobile phone
You can use your phone to apply for a supplementary card for your I Car Plus card in use, and swing the phone to make payment. ICBC has launched mobile payment methods such as HCE cloud quick pass payment, Apple Pay, Samsung Pay, MI Pay, and Huawei Pay. Quick link to card, “easy opening”, and “quick pass payment”!

★ICBC QR Code
You can link your I Car Plus card in use to ICBC QR code payment, and make payment through the ICBC Link/ICBC Mobile’s “Scan” function, greatly improving the efficiency and convenience of payment.

★All means of payment
Multiple media and currencies, by “swiping, inserting, swinging or scanning”, the card meets your diversified needs.
Tips: 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)..