In a complicated world, the Cosmos Constellation Credit Card makes every effort to provide you with four protections to help you who are full of dreams to face the adversity bravely and make progress.

Beauty - The elegant appearance makes you different from others.
Money - The Cosmos Constellation Credit Card provides benefits to you.
Joy - With benefits and efforts, the Cosmos Constellation Credit Card provides you with joy and fun.
Dream - The Cosmos Constellation Credit Card helps you to make progress despite unfavorable conditions and preserve your dream.

Annual fee exemption
Exclusive elegant card face of 12 constellations
10 times of bonus points for consumption on the birthday
Free Youku or iQIYI VIP membership
Tolerant of delay and shortage, up to 21% refund for I GO GLOBAL, 0 foreign currency exchange fees
Consumption at any amount will win an account security insurance for maximum compensation of RMB50,000 

Aries	Virgo
Taurus	Cancer
Capricorn	Sagittarius
Leo	Pisces
Gemini	Aquarius
Libra	Scorpio

The Cosmos Constellation Credit Card (“Constellation Card”) is divided into two grades, simplified platinum and gold. Cards of the three grades adopt the same design with the only difference in primary color at card sides, which is black and red for simplified platinum and gold cards respectively. The simplified platinum card enjoys the VISA platinum card benefits, UnionPay platinum card benefits and all other platinum card benefits of the Bank other than airport VIP lounge, high-speed train VIP lounge, aviation accident insurance and travel inconvenience insurance.

“1+1” application: The UnionPay single-logo single-currency card (magnetic stripe + PBOC contactless chip) and the VISA single-logo multiple-currency card (magnetic stripe + EMV contactless chip) is applied for at the same time. This card offers stronger encryption, higher security and wider acceptance. The two card accounts are linked so that you can use both cards for payment at home and abroad freely. (Note: The Constellation Card cannot be applied for in the form of supplementary card, nor can a supplementary card of other credit card be placed under the Constellation Card.)

　　Details of benefits

I. Featured Financial Benefits
i. Free from annual fee
The annual fees of Constellation Card, including simplified platinum card and gold card, are waivered during the term of validity.

ii. Tolerant 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. Tolerant 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 may be deemed to have paid the minimum repayment amount.
Note: As from December 1, 2017, for newly-opened Cosmos Constellation 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 fees for currency exchange
Currency exchange is not charged for overseas consumptions. The card is available in 10 currencies, namely US Dollars, Euro, Hong Kong Dollar, British Pound, Japanese Yen, Singapore Dollar, Canadian Dollar, Australian Dollar, Swiss Franc and New Zealand Dollar. When you use the card in the VISA network in countries or regions corresponding to the 10 currencies, the accounts will be recorded directly in the corresponding currency with no need for currency exchange, and the card holder does not need to pay the exchange fees. When you use the card outside the countries or regions of the 10 currencies, the system will automatically exempt exchange fees.

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 payment for consumption within one month, with maximum compensation of RMB50,000. For details and settlement process, see the “ICBC Credit Card Benefit Section” on the official website of ICBC.

vi. Other financial services
Revolving credit and long interest-free repayment period
Personal credit consumption loan
Personalized password selection function
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

II. Entertainment Benefits
i. 10 times of bonus points on the birthday
The Constellation Cardholder may enjoy 10 times of bonus points for payment with Constellation Card on the birthday.
Terms and conditions: For the cardholder’s payment meeting with the Bank’s credit points rewarding criteria made on the birthday, 10 bonus points will be rewarded for payment of RMB1, in which 1 point is basic point and recorded on the day automatically, and the other 9 points are awarding points and will be recorded on the 15th day of the next month. One customer may get up to 50,000 bonus points. The date of payment is the date of settlement between the UnionPay and the Bank.

ii. Free membership of video websites
Customers applying for the first ICBC credit card through online channel may get one-month free VIP membership of Youku or iQIYI as the customer selected from “ICBC Credit Card News” WeChat public account as long as they make any card-bound payment within 30 days after the Constellation Card is activated.
Terms and conditions:
1. The offer is valid from February 1, 2018 to December 31, 2018.
2. At the start of each month, ICBC will draw qualified Constellation Cardholders of the last month (both main and supplementary card are acceptable), and the cardholder may get 1 month’s free VIP membership of Youku or iQIYI as the customer selected from  WeChat public account of “icbccards” or ICBC e-Life APP after the 10th day of the next month (extended accordingly in cases of legal holidays).
3. When ICBC draws the data of qualified cardholders 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 cardholder cannot participate in the offer.
4. Card binding methods: WeChat, Alipay, JD pay, Bestpay, Baidu Wallet, Suning Yifubao, epay, ICBC e-Life, Applepay, MI pay, Samsung pay, Huawei pay and HCE Cloud Quick Pay.

III. Youth Benefits
i. Free WiFi abroad
Holders of simplified platinum and gold cards may enjoy 2 days’ free Wi-Fi overseas. Make reservations through the WeChat account, APP or official website of Uroaming WiFi and enter the voucher code HQMYVISA in the payment procedure to enjoy 2 days’ exemption of rent (the offer is not available if the lease period is less than 5 days). One customer can only enjoy the offer once. Reservations are accepted first-come-first-served basis. The offer cannot be used without other offers together.

ii. Three for two in Wyndham Hotel
The holders of simplified platinum and gold Constellation Card may live in Wyndham Hotel under Wyndham Group for three nights by paying for rooms of only two nights.  Please visit www.wyndhamrewards.com to select the destination and enter the code for offer “bprvisa” to make a reservation or call the membership service department at 400-820-8831 to make inquiry or reservation.

iii. Afternoon tea in five-star hotels
The holder of simplified platinum Constellation Card having a fellow may enjoy the benefits of “50% discount for two persons” in five-star hotels.  The offer is available in 22 five-star hotels in 20 countries across China, including JW Marriott, Shangri-La, Hilton, Westin, intercontinental and Starwood. To enjoy the benefits, reservation shall be made through the mobile or web or the Colourful customer service hotline (400 921 6918) 24 hours in advance. After the reservation is successful, a conformation message and verification number will be sent. The offer is limited to the cardholder.

iv. Free parking at airports
The holder of simplified platinum Constellation Card (VISA) may enjoy free valet parking service at designated airports across the country.  Each holder enjoys the offer once only, which provides free service for up to three days .
In designated airport parking areas or UnionPay’s exclusive parking areas, using simplified platinum Constellation Card (UnionPay) to spend RMB1, you can enjoy 2 hours parking or 48 hours parking service.

IV. “I Go”
i.Up to 50% discount for “I Go Weekend”
From now to October 31, 2018 (excluded), Constellation card holders can enjoy a discount of up to 50% at weekends for food, shopping, movies, supermarkets, convenience stores, coffee and desserts at 10,000 merchants 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.

ii.Up to 21% cash-back for overseas purchases on I Go Global and overseas shopping
From now to February 28, 2018 (excluded), Cosmos Constellation Card holders can enjoy a cash-back of up to 21% on overseas purchases and shopping 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).

Quick payment with Cosmos Constellation Credit Card
★Linking the card to your mobile phone
You can use your phone to apply for a supplementary card for your Constellation Credit card (UnionPay branded) 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. The cards are easy to bind and you can “access the account in seconds” and “make quick payment”!
★ICBC QR code
You can link your Constellation Credit 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. In addition, a random benefit of up to RMB1000 is offered.
★All means of payment
Multiple brands, media and currencies, by “swiping, inserting, swinging or scanning”, the card meets your diversified needs.
Gentle reminder: The Bank has the right to cancel the plan or made addition/reduction to or delete the provisions as required (including but not limited to the eligibility and present standards), which will take effect after published through the Bank’s channels (such as the website, ICBC credit card WeChat public account).