Cardholders can not only enjoy the basic financial functions and services of ICBC Peony Credit Card, but also experience preferential treatment from ICBC’s nationwide catering merchants. While enjoying delicious food, they can also feel the warm services provided by ICBC.

Products are issued under three brands: UnionPay, Visa and MasterCard.

The ICBC Peony Food Card has an annual fee of RMB 50, which is waived for the first year. The annual fee for the next year is waived if you swipe the card 5 times or over RMB 5,000. The interest-free period is up to 56 days. The credit limit is 0-10,000. The cash withdrawal limit is 50% of the credit limit.

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In addition, the ICBC Peony Food Card also has the following features: consumption discounts.

Peony Gourmet Card customers can get discounts by swiping their cards at ICBC's 3,000-5,000 mid- to high-end catering preferential merchants across the country.

Consumer feedback activities.

Various forms of Peony Food Card customer feedback activities are carried out from time to time, during which cardholders can enjoy discounts and other services.

Gourmet Card Specials Brochure.

A "Food Card Discount Manual" is compiled from time to time to facilitate customers to obtain merchant discounts, promotional activities, merchant contact numbers and other information in a timely manner.

Revolving credit, ample interest-free repayment period.

You can consume without depositing in advance, and enjoy an interest-free repayment period of a minimum of 25 days and a maximum of 56 days (excluding cash withdrawals and transfers).

You can repay in full before the repayment period marked on the statement or choose the minimum repayment method. After the overdraft is repaid, the credit limit will be automatically restored according to the repayment amount, and you can enjoy your credit life.

Flexible installment payment options.

ICBC provides you with various installment payment methods such as POS installment payment at special merchants, installment payment for general consumption by calling 95588 or over the counter, and mail order installment payment for recommended products.

Use ICBC's installment payment service to "share" a superior life together! Safe and fast text message reminders for account balance changes.

In order to ensure the safety of funds in your card, ICBC provides SMS reminder service for account balance changes. You can apply for this service through online banking, telephone banking and ICBC branches, and can set a reminder limit. When the account balance in your card changes and exceeds

When you are reminded of the limit, ICBC will send a real-time text message to your reserved mobile phone number as a reminder to ensure the safety of using the card.

The most user-friendly password selection function.

When you use the Peony series credit card at a business outlet or ATM machine, you need to enter your password.

When you use your Peony Card to make purchases, you can choose to use a password.

If you use a password, you can also set a password input limit. If the transaction amount is below the limit, you do not need a password. If the transaction amount is above the limit, you need to enter the password correctly. You do not need to enter a password when using overseas non-UnionPay POS.

Numerous repayment channels and convenient automatic repayment.

You can transfer and repay through online banking, telephone banking, ATM, and self-service terminals.

You can also apply for binding an account through ICBC online banking or branch counters for automatic repayment. Not only can you "schedule automatic RMB repayment", you can also "schedule automatic foreign currency repayment" or "schedule automatic foreign exchange purchase repayment", which is both sufficient

Take advantage of the interest-free discount and avoid financial losses caused by forgetting to repay on time, and manage your wealth wisely.