The ICBC Teachers credit card is designed for all teachers from kindergarten, primary school, junior high school, senior high school, university and various training institutions. It is provided the three-in-one benefits platform characterized by “teachers’ exclusive benefit + characteristic financial benefit + travel benefits”, and has specially-designed promotions. It aims to provide teachers with distinguished travel benefits, convenient consumer experience and warm card service.

★ Card Design

Platinum Card

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(Gold Card) (Pink)

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(Gold Card) (Green)

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★ Product Introduction
The Teachers Card is a personal credit card. The single UnionPay logo RMB card (magnetic stripe + PBOC non-contact chip card) and single MasterCard logo multi-currency card (magnetic stripe + EMV non-contact chip card) will be issued together through the “1+1” mode. The card is divided into platinum card and gold card, both with a term of 8 years. The supplementary card is not supported for the distinguished Teachers Card.

★ Product Classification
The Teachers Card is targeted at teachers and can be applied online and offline. It covers the teachers’ exclusive benefit + characteristic financial benefit + travel benefits. The standard Teachers Card holder may enjoy the characteristic finance benefit and travel benefits, while the distinguished Teachers Card holder may further enjoy teachers’ exclusive benefits (The applicant of distinguished Teachers Card is required to provide the teacher’s qualification certificate, work certificate or employment certificate sealed by the official seal of school at the time of card application for offline application or card-receiving for online application.)

★ Exclusive Annual Fee
The Teachers Card enjoys exclusive annual fee policy. The card holder enjoys full exemption of annual fee in the first year of card use and 50% discount since the second year of card use.  

Details of Benefits  

i. Teachers Exclusive Benefits (only for distinguished card)
1. 6% cash rebate for consumption in Teachers’ Day and Thanksgiving Day
The holders of Teachers Card can enjoy 6% cash rebate up to RMB100 for payments made on the Teachers’ Day and Thanksgiving Day in 2018. The number is limited and reservations are on first-come-first-served basis.
2. RMB80 reduction in RMB200 consumption in Chimelong Park in winter and summer vocations
The holders of Teachers Card enjoy RMB80 reduction for payment at or over RMB200 (including ticket and buffet payment) in February and August 2018. The offer will be provided to 300 cardholders every day on the “first come, first served” basis.
3. RMB100 book-reading voucher on Amazon.
Holders of Teachers Card who make 10 payments or RMB3,000 payment after account-opening have the chance of getting RMB100 electronic book-reading voucher of Amazon. The offer will be provided to 1,000 cardholders every month on the first-come-first-served basis.

ii. Characteristic financial benefits
1. Annual fee offer.
The Teachers Card enjoys exclusive annual fee policy. The card holder enjoys full exemption of annual fee in the first year of card use and 50% discount since the second year of card use.
2. Account security insurance
The account security insurance is the service provided for qualified credit card holders to ensure their card use safety. As long as a card holder makes payment within the month, he/she is entitled to insurance the next month. The insured amount for platinum card is RMB50,000. The minimum and maximum insured amounts for gold card 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 ICBC credit cards to someone else to use, or disclose the bank card number and password to others, 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. 
3. Exemption of service charges for currency exchange
Zero service fee is charged for exchange of 10 foreign currencies, namely, USD, Euro, HKD, GBP, GPY, SGD, CAD, AUD, CHF and NZD in overseas consumptions made with the MasterCard Teachers Card.
4. Tolerant of delay
With a grace period of 3 days, card holders are deemed to make repayment in due time if they make it within 3 days after payment due date.
5. Tolerant of shortage
For cards opened on or later than December 1, 2017, 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.
For cards opened before December 1, 2017, the tolerant difference for minimum repayment is RMB10. On the due repayment grace period date (due date + grace period), when the unpaid amount from the last period’s minimum repayment is less than or equal to RMB10, the card holder is deemed to have paid the minimum repayment amount.
Reminder:
As from December 1, 2017, for newly-opened Teachers cards, the “special interest accrual” method as stipulated 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.

iii. Travel Benefits
1. High-amount insurance
(1) Air travel accident insur4ace
You will get RMB4 million air travel accident insurance purchased by ICBC for your benefit as long as you activate the Teachers Card (Platinum) by December 31, 2018, requiring no additional procedures.
(2) Travel inconvenience insurance
Holders of Teachers Card (platinum) suffering from flight delay, luggage delay and luggage non-delivery in air travels by December 31, 2018 may file claims with designated insurance company.
2. Free VIP lounge service at airports
ICBC Teachers Card (platinum) holders are entitled to VIP lounges at airports. You can have a rest in a comfortable lounge by logging into “ICBC e-Life” App, clicking “VIP lounges of airports and high-speed railway stations” and showing your confirmation, thereby enjoying a more luxurious and comfortable trip.
3. RMB1 parking service at airports
By spending only RMB1 with UnionPay Teachers Card (platinum) in the designated airport parking area or exclusive parking areas for China UnionPay card holders, you can enjoy 2-hour or 48-hour parking services.
4. Free visa application
Holders of MasterCard Teachers Card may enjoy the offer of free application for 183 types of visa of 17 countries and the “RMB99 for the global visa application” offer on Baicheng.com. 

iv. Promotions
1. Offer for New Customers
If a card is successfully issued from now until September 30, 2018, a customer who applies for an ICBC credit card for the first time, activates the card within 45 days after the card issuance and makes three payments (including one card-linked payment) with each reaching RMB66 is eligible for RMB66 cash rebate, RMB168 e-Life electronic coupon, RMB168 fashionable sports bracelet or RMB666 e-Life electronic coupon, which is randomly selected by the system. Each customer can enjoy one benefit on the “first come, first served” basis.
Reminder: 1. The activity is applicable to UnionPay single-logo cards and the cards that are issued through the “1+1” mode of UnionPay+VISA/ MasterCard and inapplicable to Minions Credit Card, Universe Secret Life of Pets Credit Card and Plus series of credit cards (including without limitation to aiche, Shouqi Limousine & Chauffeur and Jingdong). 2. Card-linked payments include (1) the payments via WeChat, Alipay, Unionpay quick pass APP, ICBC e-Life, ICBC Link, etc.; and (2) the payments via Apple Pay, Samsung Pay, Huawei Pay, etc. 3. Qualified card holders can claim awards by logging into the ICBC e-Life APP and clicking “Zone for New Customers - Offer for New Customers”.
2. I GO Weekend
Up to 50% discount in tens of thousands merchants in 100 cities. For details, please follow the “I GO Weekend” small program.
3. I Go Global
Multiple offers for I Go Global. Up to 21% cash rebate for overseas consumption and cross-border online shopping. Offers are rolling out at famous cross-border online shopping website, global taxi booking and free overseas wifi. For details, please follow the “I GO Global” small program.