ICBC Jingdong Baitiao Co-branded Credit Card (hereinafter referred to as “Small White Card”) is a co-branded credit card in the theme of “Joy&Doga” celebrating the New Year, jointly issued by Industrial and Commercial Bank of China and Jingdong Finance. It is a UnionPay multiple-currency card (RMB, USD, EUR, MOP, HKD), equivalent to a gold card. “Joy&Doga” family firstly appears on the card face, which creates a Small White Card of new year edition for the Year of the Dog.

※ UnionPay Multiple currencies; tolerance of delay and shortage
※ Account security insurance is freely offered, with the maximum compensation amount reaching RMB30,000
※ Enjoy a discount of 6% at Jingdong Mall
※ Coupons for payments of no less than a certain limit by Baitiao (a discount of RMB5 for a payment of no less than RMB99)
※ Limited-edition Joy&Doga doll
※ Benefits of I Go; Benefits of I Enjoy

Important Notes:
● This card only supports application via Jingdong channels (including but not limited to the official website of Jingdong Mall, the official website of Jingdong Finance, Jingdong Mall APP, and Jingdong Finance APP); and for now it doesn’t support application via ICBC channels.
● Annual fee will be charged immediately after activation, without preferential policies in this regard. The annual fee will be charged by RMB200/card/year, according to the price list on ICBC’s official website (not supporting application for a supplement card).
● The cards are applicable to the special interest calculation method as stipulated in Article 3 of the Peony Credit Card Receipt Contract (Personal Card), and the same rule of interest accrual as other banks. The period of grace and short repayment allowed are also available for the cards.

※ Debut of “Joy&Doga” family
※ The relief design Jingdong Joy is lively and active
※ Emboss printing of card number is fashionable and secure

Detailed Benefits of ICBC Jingdong Small White Card

I. Financial Service
i. Multiple currencies
Small White Card is a UnionPay multi-currency card, with the currencies being RMB, USD, EUR, MOP and HKD, and can be used in the domestic and international UnionPay network. When the card is used in the UnionPay network in countries or regions corresponding to the four foreign currencies, the account will be directly recorded in corresponding currency. Without the need to pay foreign exchange fees, you can directly repay with foreign currency or by purchasing the currency with RMB for repayment. When you use the card outside the countries or regions of the four currencies at the UnionPay network, the transaction will be recorded in the RMB account, with exchange fees automatically exempted.

ii. Tolerance of delay
A three-day period of grace is granted. That is, as long as the cardholder pays off the bill within three days following the due day, it is still deemed as punctual repayment.

iii. Tolerance of shortage
The shortage of RMB10 is allowed in the current period. As long as the unpaid part of all the required repayment of last month is no more than RMB10 as of the end of the period of grace (due day + three-day period of grace), the cardholder is still deemed as having paid off the required minimum amount.
For Small White 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 paid before the due date (included), the overdraft interests shall be paid for the overdraft transaction (including the repaid part) from the bank accounting date to the repayment date.

iv. Account security insurance
From the present day to December 31, 2018, free account security insurance covering all ICBC credit cards under the Small White Card holder’s name for the following one month is offered, once it is used it for at least one transaction in the current month, the premium is high, the settlement of claim is quick, and the maximum compensation amount reaches RMB30,000. For the detailed rules and the procedure of claim settlement, please refer to the special zone for “Benefits of ICBC Credit Card” on the official website of ICBC. After expiry of the benefits, the announcements on latest campaigns published on the Bank’s official website shall prevail.

v. Account security lock
Services such as palmtop self-help lock, real-time SMS prompt, and deblocking by reply are available for Small White Card, which makes consumption more convenient and card use safer. “The major five locks” (i.e., “overseas lock”, “region lock”, “nighttime lock”, “overseas non-card payment lock” and “limit lock”) can help you to comprehensively prevent and control the risk of fraudulent use.

II. Featured Benefits
i. Gift for card application: Coupons for payments of no less than a certain limit by Baitiao (a discount of RMB5 for a payment of no less than RMB99)
From the present day to March 31, 2018, a customer firstly applying for Small White Card, after successful submission of his application on the Jingdong platform, will be rewarded with a “coupon for payment of no less than a certain limit by Baitiao (a discount of RMB5 for a payment of no less than RMB99)”, which is solely applicable for shopping at Jingdong Mall. The coupon for payment of no less than a certain limit will be sent to the Jingdong account correlated to the Small White Card as designated by the customer in the application within 10 working days after successful submission of the application (for which Jingdong Baitiao shall be enabled). The period of validity for the coupon is 15 days after the date of issuance. The benefit is available only once for each customer during the campaign.

ii. Gift for new customers: limited-edition Joy&Doga doll
From the present day to April 18, 2018, new customers who have successfully applied for a Small White Card, activated and used it for at least three transactions within 60 days after the card is issued can have the chance to win a limited-edition Joy&Doga doll. The campaign will be held for three periods, and the quota for each period is 1666. First come, first get.
1. “New customer” refers to those who have never held any ICBC credit card before, and this Small White Card applied by the customer is the customer’s first ICBC credit card. Those previously holding an ICBC credit card but cancelled it later shall not be deemed as new customers;
2. ICBC will regularly make a list of qualified Small White Card holders of the previous period (the three periods are respectively January 18 to February 18; February 19 to March 18; and March 19 to April 18). Jingdong will be in charge of sending the gifts to the customers’ confirmed addresses within 30 working days upon receipt of the notices from ICBC by the card holders, in which the delivery may be delayed in the period of public holidays, as the case may be. During the promotion campaign, the account of a qualified cardholder must be in a normal state when ICBC is extracting data about qualified cardholders. Cardholders whose card is unusable due to restrictions or overdue and thus in an abnormal state are excluded from this campaign;
3. Actually received gifts may be different from the ad picture. Gifts cannot be exchanged for cash. No change or refund will be accepted after delivery. No invoice will be provided for all the gifts granted in the campaign.

iii. Privilege day: Enjoy a discount of 6% at Jingdong Mall
From the present day to October 31, 2018, as long as a Small White Card holder buys self-support physical commodities at Jingdong Mall on each Sunday and makes payments with the bound Small White Card, it can enjoy a 6% discount directly, with the maximum discount up to RMB20 for each order. The benefit is available only once every week for each customer. The total quota of the benefit is up to RMB10 million. First come, first get.
1. This benefit is solely available to the holders of Small White Card bound with “Jingdong Pay”;
2. This benefit is solely applicable for the orders for buying self-support physical commodities at Jingdong Mall, excluding: virtual commodities, gift cards, coupons, money commodities, pre-sold goods, energy-saving subsidies, and orders at medical mall;
3. This benefit can be used in combination with Jingdou on the settlement page of Jingdong Mall, Jingdong E-card and coupons (coupon-dong and coupon-jing), but it doesn’t support payment by small vault/JD Gangbeng/wallet balance/Baitiao/Jingdou + bank card;
4. If a card holder cancels or rejects the order available for the campaign after enjoying this benefit, he will be refunded with the amount he has actually paid, and the card holder shall be deemed as automatically giving up this benefit. This benefit will not be further available to the card holder on the day when he cancels or rejects the order.

III. Benefits of “I Go”
i. Up to 50% off discount of “I Go Weekend”
From the present day to October 31, 2018, Small White Card holders can have a discount up to 50% at weekend for enjoying food, shopping or watching movies in supermarkets, convenience stores, and coffee/dessert shops at 10,000 merchants located in 500 business districts of 100 big cities across China. As for the details about the stores, merchants and campaign, please refer to the WeChat subscription “icbccards”-“I want a discount”-“50% discount at “I Go Weekend” or check with the “I Go Weekend” program.

ii. 21% cash-back at most for overseas purchases on “I Go Global”
From the present day to February 28, 2018, Small White Card holders can send an SMS reading “XYK8” to 95588 using the mobile phone number recorded at ICBC to sign up for the campaign and enjoy 21% cash-back at most for overseas purchases. You can have 12% cash-back (RMB120) for a single payment of no less than RMB1,000 for consumption; besides, for every 6 transactions of no less than RMB300 each, there is a chance of getting another 9% cash-back for any of these payments. It covers all cross-border merchants both online and offline and supported by the top six card issuers. The quota is limited. First come, first get. As for the period and rules of the campaign, please refer to the WeChat subscription “icbccards”-“I want a discount”-“21% cash-back on I Go Global” or click the query. After expiry of the benefits, the announcements on latest campaigns published on the Bank’s official website shall prevail.

IV. Benefits of “I Enjoy”
Massive benefits in eight categories such as travel, shopping, gourmet food and insurance are available to take care for your life in all aspects. Premium benefits such as insurance, WiFi and car rental are available by visiting Query - Reservation / exchange-Use - Pay – Feedback. For detailed benefits and rules, please refer to the program of Benefits of “I Enjoy”, log on the special zone of Benefits of “I Enjoy” in ICBC e-Life, or visit the official website of ICBC. After expiry of the benefits, the announcements on latest campaigns published on the Bank’s official website shall prevail.
Within the limits permitted by law, ICBC has the right to amend the terms and rules of this campaign, or suspend or cancel it, which will come into effect after it is announced via relevant channels of ICBC (e.g., its official website or the WeChat Subscription of ICBC credit card.