World Himalaya Credit Card is a co-branded card with an FM audio them that is jointly issued by Industrial and Commercial Bank of China (ICBC) and Himalaya FM, the largest online audio sharing platform in China. This product offers varied benefits ranging from financial benefits and audio-visual feast to cash-back and global travel, ensuring you boundless joy and fun.

Introduction of Benefits of World Himalaya Credit Card
Exemption of the first year’s annual fee, tolerance of delay and shortage and zero currency exchange fees
TOP100 free experience of three-month Himalaya peak membership or master reading club
Exemption of global visa fees; two-day free WiFi rental overseas, RMB250 off for RMB1,500 payment for the first Airbnb house rental, and 10% discount for Hertz car rental
The chance to participate in Cannes Film Festival together with stars to witness fashionable moment and enjoy the feast
Up to 21% cashback for I Go Global and up to 50% discount for I Go Weekend

Pattern design of World Himalaya Credit Card

World Himalaya Credit Card (“Himalaya Card” in short hereinafter) is a gold credit card. The card, with a black background, is printed with a dynamic sound wave pattern, an element signifying the audio feature of Himalaya FM. It is plain but shows good taste.

“1+1” Himalaya Card opening: simultaneous opening of a UnionPay-branded single-currency card (magnetic stripe + PBOC non-contact chip card + IC + electronic cash) and a Master-branded all-currency card (magnetic stripe + EMV non-contact chip card + IC), both of which feature stronger encryption, higher security and a wider scope of acceptance. The combined use of the two cards, which are linked up, can ensure your smooth and convenient payment both at home and abroad.

Notes:
1. The product does not support supplement cards, nor it supports the handling of any other credit cards in the form of supplement card under Himalaya Card (except for supplement card of mobile phone).
2. As from December 1, 2017, for newly-opened Himalaya Credit Card, 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.

Benefits of World Himalaya Credit Card

I. Financial Benefits
i. First-year annual fee exempted 
After a newly issued Himalaya Card is activated, annual fee of the first year will be exempted. In the following years, annual fees of the accounts (UnionPay + MasterCard) are exempted as long as you use the Himalaya UnionPay Card or the Himalaya MasterCard for at least five payments or for RMB5000 at minimum (or an equivalent amount in foreign currencies) during the year.

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 3 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 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 Himalaya 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.

iv. Zero currency exchange fee
No currency exchange fee is charged 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 MasterCard 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.

v. Account security insurance
Free account security insurance covering all ICBC credit cards under the name of the card holder 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 maximum compensation of RMB30,000. For details and settlement process, see the “ICBC Credit Card Benefit Section” on the official website of ICBC.  

iv. Other financial services
Revolving credit, a long period of grace;
Personal unsecured consumption loans;
Individualized password selection;
Installment payment through telephone, POS, counter-based services and Internet banking;
24-hour online and telephone banking service;
Electronic bank statement; 
Bonus point reward scheme.

II.Peak Member Benefits
i.Membership gift packs for new customers
From February 1, 2018, if new customers have successfully applied for ICBC credit cards through internet channels and made at least one card-bound payment for consumption within 30 days upon activation, they can acquire three-month Himalaya VIP membership or master reading club TOP100 experience via the public account WeChat of “icbccards” or ICBC e-Life APP.
Terms and conditions:
1.Card-bound consumption is limited to payment on big payment platforms (including WeChat, Alipay, JD pay, Bestpay, Baidu Wallet, Suning Yifubao, epay and ICBC e-Life) through Himalaya credit cards.
2. At the beginning of every month, ICBC identifies qualified Himalaya credit card holders (applicable for principal and supplementary cards) by the end of last month. They may acquire three-month Himalaya VIP membership or master reading club TOP100 experience via the public account WeChat of “icbccards” or ICBC e-Life APP ten days after next month of consumption (postponed in case of statuary holidays).
3. When ICBC draws the data of qualified card holders during the period of offer, the card status shall be normal. If the card cannot be used due to control or the status of account is abnormal due to late repayment, the card holder cannot participate in the offer.

ii. Cannes Film Festival experience
All Himalaya Card holders with top ranking in annual spending via MasterCard network have the chance to get MasterCard’s global sponsorship to participate in Cannes Film Festival Red Carpet to witness the fashionable moment and enjoy the feast. Details are to be provided in further notice.

III. Cashback
i. 2% cashback of ten fashionable sports brands
From January 1 to June 8, 2018, 2% cashback is given for purchase at more than 20,000 franchised stores of ten fashionable and sports brands (Adidas, Nike, Under Armour, The North Face, Speedo, Callaway, Puma, Converse, New Balance and Pandora) in 131 countries via Himalaya Cards and MasterCard network.

ii.2% cashback of ten overseas shopping websites
From January 1 to June 8, 2018, 2% cashback is given for purchase on ten overseas shopping websites via Himalaya Cards and MasterCard network:
·Comprehensive: www.amazon.com
·Digital: www.applestore.com
·Health: www.IHERB.com , www.gnc.com, www.chemistwarehouse.com.au
·Tourism: www.agoda.com, www.hotel.com, www.Expedia.com
·Apparel and accessories: www.gap.com, www.asos.com
Terms and conditions:
1.Himalaya MasterCard card holders are entitled to such offers, with BIN of 525613.
2.Card holders must make payment for online spending at franchised stores (including franchised stores in shopping complexes, click for details) of designated brands with independent cashiers or on the official websites of the above-mentioned overseas shopping by swiping cards via MasterCard network.
3. All cashback rewards are denominated in USD and will be paid into Himalaya Cards of customers within 10 working days upon consumption. During the activity period, annual cumulative rewards shall not exceed USD800 per card.
4. Any income tax involved in the offer shall be declared and paid by the card holders to relevant tax administrations.
5. The MasterCard network excludes third-party payments (such as PayPal). If “MasterCard network” is involved in the following contents, the definitions shall be the same as this Article.

iii. Up to 21% cash-back for overseas purchases on I Go Global
From the present day to February 28, 2018 (excluded), Himalaya 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).

iv. Up to 50% discount for “I Go Weekend”
From the present day to October 31, 2018 (excluded), Himalaya Card holders can have 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 at 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.

IV. Favorable Treatments in Global Travel
i. Handling fee of global visa exempted
From the present day to June 30, 2018, Himalaya MasterCard holders can enjoy the following favorable treatments when handling visa through the MasterCard-exclusive campaign page on www.baicheng.com.
The Himalaya MasterCard holder can apply for his own visa, free of charge, through the website, covering 183 kinds of visa of 17 countries and regions: the US, Canada, Australia, New Zealand, France, Switzerland, Germany, Italy, Spain, the UK, Singapore, Malaysia, Thailand, the Philippines, Japan, Taiwan (China) and Greece. This is only applicable to the first 600 customers placing orders every month. Every cardholder can have only one free visa every month. As there is a limited quota, the “First come, first get” policy is adopted, starting from 0:00 the first day of every month.

ii. Free use of overseas Wi-Fi rental services for two days
From the present day to December 31, 2018, using Himalaya MasterCard to purchase overseas Wi-Fi rental services from the MasterCard-exclusive campaign column on youyoumob.com, the cardholder can have a preferential treatment of free access to overseas Wi-Fi for two days. The daily quota is 88, and for each card, there is only one chance every month.

iii. RMB250 off instantly for the first order on Airbnb of no less than RMB1500
From the present day to February 28, 2018, using a Himalaya MasterCard to book your first accommodation on Airbnb, you will have RMB250 off for an order of no less than RMB1500. Booking steps:
View the campaign website: www.airbnbchina.cn/mccn
1. Find a suitable accommodation in any corner of the world and book it;
2. Enter the coupon code onto the payment page (the page where you make payment):
1) Click the “coupon” button before the “total price”;
2) Enter the code “MCCN” and the first six digital numbers of the card number of your Himalaya MasterCard, and then click “use coupon” to have the amount off, e.g. MCCN123456.
The campaign lasts till February 28, 2018, so your travel must be completed on May 31, 2018 or before.

iv. 10% off for shuttle bus from and to the airport and chartered bus services of HI GUIDES
From the present day to December 31, 2018, a 10% discount is offered to Himalaya MasterCard holders who log onto the promotion campaign page of HI GUIDES to order shuttle bus services from and to the airport, one-way rides, chartered bus services of regular or customized itineraries etc.

v. 50% off for two persons having afternoon tea at five-star hotels
From the present day to December 31, 2017, Himalaya MasterCard holders who bring along at least one companion to have afternoon tea at the designated five-star hotels in China and complete online or telephone booking with the card can have 50% off for the teatime.

World Himalaya Credit Card makes your payment easier!

★ Credit card loaded to mobile phone
You may use your mobile phone to apply for a supplementary card for mobile payment under the personal Himalaya Card (UnionPay) in use. Afterwards, you can just wave your mobile phone to pay. ICBC has by far launched various forms of mobile payment such as HCE Cloud QuickPay, Apple Pay, Samsung Pay, MI Pay and Huawei Pay. Through binding the card with your mobile phone, you can make instant payment in a second!

★ ICBC QR Code
You may also bind your Himalaya Card in use with ICBC QR code payment and “scan” to pay via ICBC Link or ICBC Mobile. Enjoying much higher payment efficiency and convenience, you can also have access to random reductions of RMB1000 at maximum.

★ A full range of payment modes
A full range of payment modes of various brands, via various media and in various currencies are available at your choice. You may “swipe”, “insert”, “wave” or “scan” the card to pay, covering your varied needs.
Tips: Where laws permit, ICBC preserves the right to interpret all the above benefits and clauses of the campaign relating to Himalaya Card, and, when necessary, cancel this scheme, add, delete or revise the provisions herein (including but not limited to qualifications to participate in the campaign and standards of free gifts). Such alternations will take effect after being publicized through ICBC’s channels (website, the WeChat subscription “icbccards” etc.)