First-year annual fee exempted; short repayment and period of grace allowed; zero handling fee for foreign exchange conversion
Free iQIYI membership for three months
Favorable treatments in global travel; 21% cash-back at most for purchases on IGOU.HK
Access to the Cannes International Film Festival with pop stars to feast your eyes on wonderful films
With any consumption, account security insurance offered with a maximum insured amount of RMB30,000

World iQIYI Credit Card (“iQIYI Card” in short hereinafter) is a gold-level credit card. The whole surface is laser gilded and embossed in the center with the iQIYI logo, which is hollowed out to show an underlying picture. The whole design is an embodiment of the idea “see the world through iQIYI”.

“1+1” iQIYI Card opening: simultaneous opening of a UnionPay-branded single-currency card (magnetic stripe + PBOC non-contact chip card + IC + electronic cash) and a MasterCard-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: iQIYI Card is neither a supplementary card in itself nor allows other credit card opened as its supplementary card (except supplementary card for mobile payment).

Benefits of World iQIYI Credit Card
Table of Benefits (see the text following the table for more details)

I. Financial Benefits
i. Annual fee exempted or reduced
After a newly issued iQIYI 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 iQIYI UnionPay Card or the iQIYI MasterCard for at least five payments or for RMB5000 at minimum (or an equivalent amount in foreign currencies) during the year.

ii. Period of grace
The repayment grace period is 3 days, that is, card holders 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 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 the required repayment amount.
For cards opened before December 1, 2017, the tolerance of 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 iQIYI 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), 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 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.

v. 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 transaction within one month, with high coverage, quick settlement and maximum compensation of RMB30,000. For details and settlement process, see the “ICBC Credit Card Benefit Zone” 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. “World” Benefits
i.Free membership
From February 1, 2018, new customers who have applied for an ICBC credit card through online channel for the first time, and made card-bound payment for any amount of consumption within 30 days after the card is activated can have access to three-month iQIYI VIP membership free of charge through the WeChat public account of “icbccards” or ICBC e-Life APP.
Terms and conditions:
1.Card-bound consumption is limited to payment on major payment platforms (including WeChat, Alipay, JD pay, Bestpay, Baidu Wallet, Suning Yifubao, epay and ICBC e Life) through iQIYI credit cards.
2.At the beginning of each month, ICBC identifies qualified iQIYI credit card holders (for both principal and supplementary cards) by the end of the previous month. They can acquire three-month iQIYI membership (postponed in case of public holidays) through the WeChat public account of “icbccards” or ICBC e-Life APP after ten days in the next month.
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.Film festival experience
iQIYI Card holders with top ranking in cumulative spending as of December 31, 2017 have the chance to get MasterCard global benefit of attending the Cannes Film Festival Red Carpet to witness the fashionable moment and enjoy the world-class feast.
The activity details will be given in further notice.

III. “World” Cashback
i. 2% cashback for overseas purchase of ten fashion brands
Between June 9, 2017 and June 8, 2018, online purchase of ten fashion brands (namely, Adidas, Nike, Under Armour, The North Face, Speedo, Callaway, Puma, Converse, New Balance and Pandora) at more than 20,000 franchised stores in 131 countries is entitled to 2% cashback.

ii. 2% cashback of ten overseas shopping websites
Between January 1, 2018 and June 8, 2018, 2% cashback is given for online shopping on ten overseas websites via iQIYI MasterCard cards.
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.iQIYI MasterCard card holders are entitled to such offers, with BIN of 525613.
2.Card holders must make payment for online spending at franchised stores of designated brands with independent cashiers (including franchised stores in shopping complexes, see the appendix for the list of merchants) or on the official websites of the above-mentioned overseas shopping by swiping cards through MasterCard network.
3.All cashback rewards are denominated in USD and will be paid into the iQIYI Cards accounts within 10 working days upon consumption. During the activity period, annual cumulative rewards shall not exceed USD800 per card.
Any income tax involved in the offer shall be declared and paid by the card holders to relevant tax administrations.
The MasterCard network excludes third-party payments (such as paypal). For the “third-party payment”, click
https://caribbean.mastercard.com/en-region-car/merchants/start-accepting/find-a-payment-facilitator.html. If “MasterCard network” is involved in the following contents, the definitions shall be the same as this Article.

iii. 21% cash-back at most for overseas purchases on “I Go Global”
From the present day to February 28, 2018, iQIYI 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; 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 prevail.

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. 50% discount at most for “I Go Weekend”
From now to December 31, 2018, iQIYI Card holders can enjoy a discount of up to 50% for spending at 10,000 merchants in 500 business districts of 100 cities across China on weekends. For example, RMB50 off for RMB169 spending on www.carrefour.cn and RMB50 off for RMB150 spending in physical stores, RMB4.9 cinema ticket on spider.com.cn, RMB100 off for RMB200 spending on www.yiguo.com, RMB10 off for RMB20 spending in 7-11 convenience stores, and “prepay RMB500, get RMB800” with Shouqi Limousine & Chauffeur.
From today to December 31, 2018, customers are entitled to a standard cup of hand-mixed beverage worth RMB8 if they spend in designated stores of Pacific Coffee in China on Friday, Saturday and Sunday and make payment using iQiYI cards marked with Swiping, Inserting, Waving or Quick Pass UnionPay.
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 prevail. 

IV. Favorable Treatments in Travel
i. Hotel booking
Preferential treatment on Airbnb: From the present day to February 28, 2018, your first booking on Airbnb that is paid with an iQIYI MasterCard for RMB1500 or above can have RMB250 off instantly. 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 iQIYI 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.

ii. Shuttle bus and chartered bus
From the present day to December 31, 2018, iQIYI MasterCard holders can enjoy the following preferential treatments on HI GUIDES:
1. A 10% discount is offered to iQIYI 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.
2. Brief introduction of chartered bus service of HI GUIDES
1) Shuttle bus from and to the airport: cover over 260 airports across the world; help you handle hotel check-in and tax rebate formalities at the airport; wait for you up to 90 minutes for free. 
2) One-way rides:  carry you from any starting point to any destination in a bus with Chinese-speaking driver-guides. 
3) Chartered bus traveling along regular itineraries: thousands of classic itineraries available at your choice, including local hot scenic spots, wonderful entertainment and in-depth experience items where senior driver-guides offer professional lectures in Chinese and meticulous services. 
4) Chartered bus on a daily basis: You may order chartered bus services for half a day, a full day or several days at your discretion. Your trip will be accompanied by Chinese driver-guides, timetable and itinerary adjustable and the driver-guide helping you book local hotels, restaurants, tickets to scenic spots etc.

iii. Visa
From the present day to June 30, 2018, iQIYI MasterCard holders are given the following favorable treatments when handling visa through the MasterCard-exclusive campaign page on www.baicheng.com.
The iQIYI 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.

iv. Global access to Wi-Fi
From the present day to December 31, 2018, using iQIYI 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 use for two days. The daily quota is 88, and for each card, there is only one chance every month.

v. Afternoon tea at five-star hotels
From the present day to December 31, 2018, iQIYI 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.

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

★ICBC QR Code
You may also bind your iQIYI 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 enjoy 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.