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Industrial Bank Credit Card Preferential Price List

Business category No. Service item Charging rates Incentives Service item Charging rates Incentives
Account settlement service 000101 Account management fee (credit card annual fee) Standard card: main card-RMB card: RMB 80 / card (set), main card-dual currency card: RMB 100 / card (seal);
Golden card: main card-RMB card / dual currency card: RMB 200 / card (set);
Platinum credit card (elite edition) / titanium credit card: main card / supplementary card: RMB 500 / card;
Platinum credit card (sharp edition): main card: RMB 600 / card (no supplementary card temporarily);
Platinum credit card (casual series): main card: RMB 900 / card, supplementary card: RMB 600 / card;
Platinum credit card (standard edition): main card: RMB 2600 / card, supplementary card: RMB 1200 / card;
Diamond card: main card: RMB 15000 / card, additional card: RMB 15000 / card;

Additional charging standard for special products:
Garfield credit card: dual currency / RMB standard card: RMB 80 / card (set card / standard card), dual currency / RMB gold card: RMB 200 / card (set card / standard card); Star Card / QQVIP credit card: dual currency / RMB standard card: RMB 100 / card (set), dual currency / RMB gold card: RMB 200 / card (set); Motorists' Club credit card: distinguished card: RMB 200 / card, elite card: RMB 100 / card;GOLF Platinum Credit Card: main card / supplementary card: RMB 9000 / card;Shanghai Benz Platinum Joint Credit Card: RMB 3500 / card;DIY credit card: main card / supplementary card: RMB 80 / card;debit and credit all-in-one card: RMB 200 / card;QQ show credit card (physical card): standard card: RMB 80 / card, MINI card: RMB 40 / card
I. Gold card and standard card
Special offer I:
1. Subject of activity

Card holders of Visa / MasterCard Standard Dual Currency Gold and Standard Credit Card, UnionPay Standard RMB Gold and Standard Credit Card, MasterCard Personal Gold and Standard Business Card, Gold and Standard PASS Credit Card, China Low Carbon Gold and Standard Credit Card, Gold and Standard Garfield Credit Card, Star Credit Card Gold and Standard, New Motorists' Club Credit Card Gold, Motorists' Club Credit Card, IB Butler Credit Card Gold, Taobao Joint Credit Card Gold and Standard, IQiyi Joint Credit Card Gold, Youku Joint Credit Card Gold, KuGou Joint Credit Card Gold, Eleme Joint Credit Card Gold and Standard, Kaola Bracelet Joint Credit Card Gold and Standard, IB Oil Credit Card, City Beauty Credit Card Gold and Standard, QQ VIP Credit Card Gold and Standard, QQ Show Credit Card, PICC P&C Joint Credit Card Gold, Eastern Airlines Joint Credit Card Gold, China Southern Airlines Sky Pearl Credit Card Gold and Standard, Xiamen Airlines Egret Club Joint Credit Card Gold and Standard, Juneyao Airlines Joint Credit Card Gold, Mangocity Credit Card Gold and Standard, Elong Credit Card Gold, Guangzhou Education Fund Recognition Card Gold and Standard, China Heart Credit Card Gold and Standard, China 60th Anniversary Theme Credit Card Gold and Standard, Wuhan Zhuangsheng Congguang Department Store Credit Card Gold and Standard, Tianhong Joint Credit Card Gold and Standard, Tianjin Friendship Joint Credit Card Gold and Standard, Dayang Department Store Joint Credit Card Gold and Standard, Daning International Joint Credit Card Gold and Standard, Ginza Joint Credit Card Gold and Standard, Xidan Mall Credit Card Gold and Standard, Yitian Holiday Joint Credit Card Gold and Standard, Hongbo Joint Credit Card Gold and Standard, Nanzhong Plaza Joint Credit Card Gold and Standard, Maoye Department Store Joint Credit Card Gold and Standard, Minsheng Department Store Joint Credit Card Gold and Standard, Epin Life Joint Credit Card Gold and Standard, Shanghai Telecom IPTV BesTV Joint Credit Card Gold and Standard, China Mobile Group Guangdong Co., Ltd. Guangzhou Branch Joint Gold Credit Card, Jiangxi Unicom Joint Credit Card Gold, Jingdian Auto Joint Credit Card Gold and Standard, 273 Motorists' Club Joint Credit Card Gold, LeSports Joint Credit Card Gold Standard, Great Wall Property Credit Card Gold, DIY Credit Card, PPTV Joint Credit Card Gold and Standard, MGTV Joint Credit Card Gold and Standard, Tencent Video Joint Credit Card Gold and Standard, Mengniu Dairy Joint Credit Card Gold and Standard
2. Content of activity:Gold cards and standard cards of Industrial Bank Credit Card enjoy the following annual fee promotions:
Annual fee of the first year: the annual fee of the first year is exempted immediately after the card is verified;
Annual fee of the next year: the annual fee of the next year is exempted if the card is used for consumption or withdrawing cash for five times (no amount limit) within one year after the card is verified.
3. Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)
Note: for more detail, please click: http://creditcard.cib.com.cn/promotion/other/nfyh.html
Special offer II:
1. Subject of activity:Xing Power Credit Card Campus Edition, MAX + UnionPay Credit Card, PASS UnionPay Joint Credit Card Campus Edition, E-card of Foshan Educational Metropolitan Area Network, UnionPay Standard Gold Card Automotive Installment DIY Card, UnionPay Standard Gold Card Car Lot Installment DIY Card, UnionPay Standard Gold Card Bulk Commodity Installment DIY Card；
2. Content of activity: annual fee is exempted within the valid term of card
Special offer III (only for IB Express Credit Card Gold Card):
1. Content of activity:
Special offer for the annual fee of the first year: the annual fee of the first year is exempted immediately after the card is verified
Special offer for the annual fee of the next year: the annual fee of the next year is exempted if the transaction amount of that year (in installments) reaches RMB 5000.
Note: Installment transactions include all installment business currently operated by IB; meanwhile the amortized principal of that year must reach or surpass RMB 5000.
2. Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)
Special Offer IV (only for debit and credit all-in-one card)
1. Content of activity:
Annual fee of the first year: after the card is verified, the annual fee of the first year is exempted if an automatically deducted repayment transaction is incurred in the bill in the first three months and the total amount of repayment reaches RMB 100.
Annual fee of the next year: after the card is verified, the annual fee of the next year is exempted if two automatically deducted repayment transactions are incurred within one year and the total amount of repayment reaches RMB 100.
2. Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)
Special Offer V (only for Crystal Credit Card Gold Card)
1. Content of activity:
Annual fee of the first year: RMB 200 / card. Once the card is verified and issued, an annual fee of RMB 200 will be collected whether the card is activated or not.
Annual fee of the next year: the annual fee of the next year is exempted if the card is used for consumption or withdrawing cash for five times (no amount limit) within one year after the card is verified.
2. Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)
Special Offer VI
1. Subject of activity: Xing Power Credit Card Gold Card
2. Content of activity:
Annual fee of the first year: the annual fee of the first year is exempted immediately after the card is verified; or clients may also voluntarily pay the annual fee of RMB 200.
Annual fee of the next year: the annual fee of the next year is exempted if the card is used for consumption or withdrawing cash for five times (no amount limit) within one year after the card is verified.
3. Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)
Special offer VII
1. Subject of activity: IB Tencent Joint Credit Card.
2. Content of activity:
Special offer for the annual fee of the first year: the annual fee of the first year is exempted immediately after the card is verified
Special offer for the annual fee of the next year: preferential annual fee of RMB 80 / card, or the annual fee of the next year is exempted if the card is used for consumption or withdrawing cash for five times (no amount limit) within one year after the card is verified.
3. Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)

II. Platinum card (elite edition) / titanium card
Special offer I:
1. Subject of activity: Rui Platinum Credit Card, Xing Platinum Credit Card (Elite Edition), Xing Power Credit Card Platinum (Elite Edition), PASS Credit Card Platinum (Elite Edition), Share Now Credit Card Platinum (Elite Edition), IB Butler Credit Card Platinum (Elite Edition), UnionPay Art Theme Credit Card Platinum (Elite Edition), Taobao Joint Credit Card Platinum (Elite Edition), IQiyi Joint Credit Card Platinum (Elite Edition), Youku Joint Credit Card Platinum (Elite Edition), KuGou Joint Credit Card Platinum (Elite Edition), Eleme Joint Credit Card Platinum (Elite Edition), PPTV Joint Credit Card Platinum (Elite Edition), Elong Credit Card Platinum (Elite Edition), Jiangxi Unicom Joint Credit Card Platinum (Elite Edition), China Mobile Group Guangdong Co., Ltd. Guangzhou Branch Joint Platinum Credit Card (Elite Edition), LeSports Joint Credit Card Platinum (Elite Edition), Great Wall Property Joint Credit Card Platinum (Elite Edition), MGTV Joint Credit Card Platinum (Elite Edition), Tencent Video Joint Credit Card Platinum (Elite Edition).
2. Content of activity:
Offer for the annual fee of the first year: from now on, holders of the above-mentioned credit card may be exempted the annual fee of the first year if he/she has transactions amounting to RMB 2000 or equivalent foreign currency within 60 days after the card is verified.
Offer for the annual fee of the next year: the annual fee of the next year may be exempted if the amortized amount within one year after the card is verified reaches RMB 5000; if the above-mentioned condition is not met, the annual fee of the next year may also be automatically exempted if the point balance reaches 30000 on the date of annual fee collection.
The statistical caliber of aforesaid annual fee offers is card.
3.Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)
Note: for more detail, please click: http://creditcard.cib.com.cn/apply/other/rbj_1.html
Special offer II:
1. Subject of activity: Eastern Airlines Joint Credit Card Platinum Card (elite edition), Eastern Airlines Joint Credit Card Titanium Card, Juneyao Air Joint Credit Card Platinum Card (elite edition),China Southern Airlines Sky Pearl Credit Card Platinum (Elite Edition), New Motorists' Club Credit Card Platinum (Elite Edition), PICC P&C Joint Credit Card Platinum (Elite Edition), 273 Motorists' Club Joint Credit Card Platinum (Elite Edition), Mengniu Dairy Joint Credit Card Platinum (Elite Edition);
2. Content of activity:
Exclusive offer for the annual fee of the first year: from now on, holders of the above-mentioned credit card may be exempted the annual fee of the first year if he/she has transactions amounting to RMB 2000 or equivalent foreign currency within 60 days after the card is verified.
Exclusive offer for the annual fee of the next year: the annual fee of the next year will be exempted if the point-earning transactions amount to RMB 30000 within one year after the card is verified.
3. Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)
Special Offer III (only for FIFA World Cup International Credit Card):
1. Subject of activity: FIFA World Cup International Credit Card
2. Content of activity: the annual fee is exempted for the life time.
Special Offer IV (only for All-currency International Credit Card, Mastercard®UEFA Champions League Platinum Credit Card, Mastercard Standard World Card、VISA Art Theme Credit Card Platinum (Elite Edition), International Student Credit Card）：
1. Subject of activity:All-currency International Credit Card, Mastercard®UEFA Champions League Platinum Credit Card, Mastercard Standard World Card、VISA Art Theme Credit Card Platinum (Elite Edition), International Student Credit Card
2. Content of activity:the annual fee is exempted within the valid term of card.
Special offer V (only for VISA Pyeongchang Winter Olympic Games Credit Card Platinum (Elite Edition), VISA FIFA 2018 World Cup Credit Card Platinum (Elite Edition))
1. Subject of activity: VISA Pyeongchang Winter Olympic Games Credit Card Platinum (Elite Edition), VISA FIFA 2018 World Cup Credit Card Platinum (Elite Edition)
2. Content of activity: Clients successfully obtain a credit card and have it verified between January 1, 2018 to December 31, 2018 (inclusive) will be exempted from the annual fee of card within its valid term (regardless of main card or additional card).

III. Shanghai Benz Platinum Joint Credit Card
1. Content of activity:
The preferential annual fee of the first year: RMB 3000 / card. The annual fee of the next year is the preferential fee RMB 3000 / card if there are 10 counts of consumption or cash withdrawal within one year after the card is verified (no amount limit); if the total counts of consumption of cash withdrawal are less than 10 within one year after the card is verified, the annual fee of the next year will be RMB 3500 / card.
2. Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)

IV. Platinum credit card (standard edition)
Special Offer I:
1. Subject of activity: Xiamen Airlines Egret Card Platinum Joint Credit Card
2. Content of activity: gold and silver members of Xiamen Airlines Egret Club may enjoy the preferential annual fee of RMB 2300 / card for the first year.
3. Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)
Special Offer II:
1. Subject of activity: Eastern Airlines Joint Credit Card Platinum Card (standard edition)
2. Content of activity: gold and silver members of Eastern Miles Club may enjoy the preferential annual fee of RMB 2300 / card for the first year.
3. Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)		 Card holders are provided with credit card finance service, relevant value-added service and rights. The credit card products without supplementary cards are charged based on the standard of main card; supplementary cards are charged half as much as that of the main card if there is no special instruction. The annual fee of diamond cards, platinum cards, titanium cards and crystal cards will be collected whether the card is activated or not, except specially instructed products. IB will not return the annual fee that has been paid; any adverse effect on personal credit record caused by overdue payment of annual fee shall be borne by the card holder.
Annual fee for additional diamond card: the charging standard will be executed from October 1, 2018.		 Retail client
Business card (UnionPay): RMB 300 / card;
MasterCard Business Travel Credit Card / Visa Corporate Card: gold card: RMB 300 / card; standard card: RMB 100 / card
Special Offer I:
1. Subject of activity:
Cardholders of MasterCard Business Travel Credit Card
2. Content of activity
Holders of IB gold and standard credit cards may enjoy the following offers in annual fee:
Annual fee of the first year: the annual fee of the first year is exempted immediately after the card is verified;
Annual fee of the next year: the annual fee of the next year is exempted if the card is used for consumption or withdrawing cash for five times (no amount limit) within one year after the card is verified.
3. Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)
Note: for more detail, please click: http://creditcard.cib.com.cn/promotion/other/nfyh.html
Special offer II:
1. Subject of activity: following products of UnionPay governmental business credit card, business card (UnionPay): Hunan business card (UnionPay), Beijing business card (UnionPay), Shanxi business card (UnionPay), Nanchang business card (UnionPay), Weifang business card (UnionPay), Quancheng business card (UnionPay), Inner Mongolia business card (UnionPay), Shanghai business card (UnionPay), Xiamen business card (UnionPay), Fujian provincial budget unit business card, Fuzhou municipal budget unit business card, Sanming budget unit business card, Zhangzhou municipal budget unit business card, Ningde municipally-directed unit business card, Ningde municipally-, county- or district-directed unit business card, Nanping municipal budget unit business card, Longyan municipal budget unit business card, Quanzhou budget unit business card, Fuqing municipal budget unit business card, Pingtan Comprehensive Experimental Zone budget unit business card, Zengcheng business card (UnionPay), Guangxi Zhuang Autonomous Region business card (UnionPay), Chongqing business card (UnionPay), Guangzhou business card (UnionPay), Dali business card (UnionPay), Tianjin business card (UnionPay), Putian business card (UnionPay), Changsha municipal budget unit business card (UnionPay)
2. Content of activity: the annual fee is exempted within the valid term of card.
Note: the “UnionPay governmental business credit card” is gold card, not “business card (UnionPay)”.		 Institutional clients
000102 Production cost IC credit card: RMB 5 / card;
urgent credit card production fee (including express delivery): RMB 100 / card;
Garfield credit card (magnetic stripe card), Star Credit Card (magnetic stripe card), QQ VIP credit card (magnetic stripe card): RMB 40 / card (set);

DIY credit card: RMB 80 / card
DIY function on the surface of credit card (main card / supplementary card): RMB 80 / card;
Production cost of credit card made from special materials:
1,088-3,888 yuan/card (The price will be determined according to the material of card and its production technique).

Special Offer I
1. Subject of activity: IC credit card
2. Content of activity:
(1) Gold and standard cards
① From January 1, 2018 to December 31, 2018 (inclusive), holders of newly issued IC credit cards (main card) may be exempted the labor cost if they use the card for consumption (any amount) within 60 days after the card is verified. Every client may only enjoy 1 exemption of labor cost:
② From January 1, 2018 to December 31, 2018 (inclusive), holders of newly issued supplementary cards may be exempted RMB 5 of labor cost for each card;
③ From January 1, 2018 to December 31, 2018 (inclusive), clients may be exempted the labor cost if they apply for renewing or reissuing their cards.
(2) Products above the level of platinum card (elite edition) (inclusive), titanium card and IB Express Credit Card products: the labor cost of IC credit card is exempted From January 1, 2018 to December 31, 2018 (inclusive).
(3) From January 1, 2018 to December 31, 2018 (inclusive), the labor cost of reissuing or renewing UnionPay single-currency magnetic stripe credit card or upgrading to UnionPay single-currency IC credit card is exempted.
Note: 1. “Clients of newly issued IC credit card (main card)” refer to the clients who apply for main cards of IB IC credit card for the first time;
2. Card use for consumption refers to general consumption and cash advance, excluding various kinds of expenses or interests.

Special Offer II:
1. Subject of activity: Garfield credit card (magnetic stripe card), Star Credit Card (magnetic stripe card), QQ VIP credit card (magnetic stripe card)
2. Content of activity: every client may enjoy one-off reduction of up to RMB 40 with respect to the labor cost of one (set) credit card if he/she has used the card for consumption for the first time (no amount limit) within 60 days after the card is verified. Supplementary cards may directly enjoy labor cost reduction of RMB 40.
3. Valid term of activity: From January 1, 2018 to December 31, 2018 (inclusive)
Note: for more detail, please click: http://creditcard.cib.com.cn/apply/other/gbfyhxz.html
Special offer III:
1. Subject of activity: credit cards featuring DIY function on the card surface
2. Content of activity:
(1) Gold cards
① From January 1, 2018 to December 31, 2018 (inclusive), holders of credit cards (main card) featuring DIY function on the card surface may be exempted the labor cost if they use the card for consumption (any amount) within 60 days after the card is verified. Every client may only enjoy 1 exemption of labor cost:
② From January 1, 2018 to December 31, 2018 (inclusive), holders of newly issued supplementary cards may be exempted RMB 80 of labor cost for each card;
(2) Products above the level of platinum card (elite edition) (inclusive): From January 1, 2018 to December 31, 2018 (inclusive), the labor cost for DIY function is exempted.
Note: 1. “Holders of credit cards (main card) featuring DIY function on the card surface” refer to the clients who apply for IB DIY credit card for the first time;
2. Card use for consumption refers to general consumption and cash advance, excluding various kinds of expenses or interests.
 Card holders are provided with credit card finance service, relevant value-added service and rights; urgent card production fee is required when a client requests for urgent production of a credit card;
Production cost of credit card made from special materials: to open or replace credit card made from special materials for customers (only for retail customers).		 The labor cost of IC credit card is only required for newly issued or reissued cards, not renewed cards. Once the card is verified and issued, the annual fee of IC card will be collected whether the card is activated or not. The labor cost of all IC cards will be collected independently unless otherwise instructed:
Garfield credit card (magnetic stripe card), Star Credit Card (magnetic stripe card), QQ VIP credit card (magnetic stripe card): the labor cost will be collected after the card is verified and issued whether the card is activated or not;
Labor cost of DIY credit card: the labor cost will be collected after the card is verified and issued whether the card is activated or not, and will be charged again is the card is reissued or renewed;
DIY function on the surface of credit card (main card / supplementary card): holders of newly issued credit cards will be charged, but not for card reissuance and renewal. The labor cost will be collected after the card is verified and issued whether the card is activated or not;
The urgent card production cost of UnionPay Priority Platinum Credit Card, GOLF Platinum Credit Card, IB Platinum Credit Card, Xiamen Airlines Egret Card Platinum Joint Credit Card, Shanghai Benz Platinum Joint Credit Card, IB Express Diamond Credit Card, platinum credit cards (standard edition) and other products is exempted.
Production cost of credit card made from special materials: It is charged for a new card, a reissued or replaced card, or a renewed card. The production cost will be charged upon card issuance regardless it is activated or not.		 Retail client
IC credit card: RMB 5 / card;
urgent credit card production fee (including express delivery): RMB 100 / card
Special Offer:
1. Subject of activity: IC credit card
2. Content of activity:
(1) Gold and standard cards
① From January 1, 2018 to December 31, 2018 (inclusive), holders of newly issued IC credit cards (main card) may be exempted the labor cost if they use the card for consumption (any amount) within 60 days after the card is verified. Every client may only enjoy 1 exemption of labor cost:
② From January 1, 2018 to December 31, 2018 (inclusive), holders of newly issued supplementary cards may be exempted RMB 5 of labor cost for each card;
③ From January 1, 2018 to December 31, 2018 (inclusive), clients may be exempted the labor cost if they apply for renewing or reissuing their cards.
(2) From January 1, 2018 to December 31, 2018 (inclusive), the labor cost of reissuing or renewing UnionPay single-currency magnetic stripe credit card or upgrading to Unionpay single-currency IC credit card is exempted.
Note: 1. “Clients of newly issued IC credit card (main card)” refer to the clients who apply for main cards of IB IC credit card for the first time;
2. Card use for consumption refers to general consumption and cash advance, excluding various kinds of expenses or interests.		 The labor cost of IC credit card: only required for newly issued or reissued cards, not renewed cards. The production cost of IC card will be charged upon card issuance regardless it is activated or not. The labor cost of all IC cards will be collected independently unless otherwise instructed; Institutional clients
000105 Handling charges for cash withdrawal or transfer of credit card Commission fee for cash advance (including overdraft transfer): 2% of amount, RMB 20 / count or USD 2 / count at minimum (identical in different places); commission fee for overflow payment or transfer: 0.5% of amount, RMB 5 / count or USD 1 / count at minimum, capped at RMB 50 / count or USD 10 / count Special Offer I:
1. Subject of activity: Star Credit Card, debit and credit all-in-one card, Taobao joint credit card, Juneyao Air Joint Credit Card, China Mobile Group Guangdong Co., Ltd. Guangzhou Branch Joint Credit Card (gold and platinum card (elite edition)), QQ VIP credit card, IQiyi UnionPay Joint Credit Card (Gold Card and Platinum Card (elite edition))、Youku Joint Credit Card, KuGou Joint Credit Card, MAX+UnionPay Credit Card, PASS UnionPay Credit Card Campus Edition, PASS Platinum Credit Card (Elite Edition), Eleme Joint Credit Card
2. Content of activity:
Holders of above-mentioned credit cards may enjoy the exemption of commission fee of the first transaction incurred in each billing month.
Kind notes:
(1) Cash withdrawal includes cash advance and overflow payment and all cash withdrawal will not add points.
(2) Every account may only enjoy one exemption in each billing month.
(3) A billing month refers to the period between 21:00 of a billing date to 21:00 of the next billing date.
(4) Overseas cash withdrawal and domestic USD overflow payment are excluded.
3. Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)
Special Offer II:
1. Subject of activity: Xing Express Credit Card, Share Now Credit Card
2. Content of activity:
Holders of above-mentioned credit cards may enjoy the exemption of commission fee of the first three transactions incurred in each billing month.
Kind notes:
(1) Cash withdrawal includes cash advance and overflow payment. The transaction date shall be subject to the actual time of transaction recorded by IB Credit Card System.
(2) A billing month refers to the period between 21:00 of a billing date to 21:00 of the next billing date.
(3) All cash withdrawal stated above will not add points.
3. Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)
Special Offer III:
1. Subject of activity: IB Shang MasterCard Dual-Currency Platinum Credit Card
2. Content of activity: the commission fee for the first transaction of cash withdrawal abroad (transaction recorded in USD) in each billing month is exempted for IB Shang MasterCard Dual-Currency Platinum Credit Card.
3. Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)
Special Offer IV:
1.Subject of activity: International Student Credit Card, MasterCard Standard World Card
2. Content of activity:
(1) Within the valid term of activity, holders of above-mentioned credit cards may enjoy the exemption in commission fee for overflow payment or transfer.
(2) All above-mentioned transactions will not add points.
3. Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)
Special Offer V:
1. Subject of activity: IB Mastercard Standard World Card
2. Content of activity: Holders of above-mentioned credit cards may enjoy the exemption of commission fee of the first transaction incurred in each billing month.
Kind notes:
(1) The transaction time will be determined according to the time transaction occurs recorded by our bank system;
(2) Each account will only enjoy one exemption in one bill checking month.
(3) The bill checking month refers to the period from 21:00 of bill checking day to the 21:00 of next bill checking day.
(4) This product does not support cash advance in RMB (including overdraft transfer) and cash withdrawal or transfer of overpayment
(5) Excluding the ATM charges / service charges collected by overseas ATM acquiring bodies from card holders.
3. Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)		 1. Commission fee for cash advance (including overdraft transfer): provide cardholders with many channels of cash advance service (including overdraft transfer);
2. Commission fee for overflow payment or transfer: provide clients with a channel and service to withdraw the fund in an overdraft credit card account.		 　 Retail client
000115 Commission fee for exchange in overseas transactions (only for dual-currency credit card, VISA/MasterCard branded credit card) Settled at 1.5% of transaction amount. Special Offer I:
1. Subject of activity: IB Platinum Credit Card, Shang Platinum Credit Card
2. Content of activity: holders of MasterCard Dual-Currency Credit Card swiping his or her card for consumption in foreign countries may enjoy the preferential exemption of commission fee for exchange in overseas transactions.
3. Valid term of activity: from January 1, 2018 to December 31, 2018 (inclusive)
Special Offer II:
1. Subject of activity: FIFA World Cup International Credit Card; All-currency International Credit Card, Mastercard®UEFA Champions League Platinum Credit Card, and Mastercard Standard World Card, VISA Art Theme Credit Card Platinum (Elite Edition), VISA Pyeongchang Winter Olympic Games Credit Card Platinum (Elite Edition), International Student Credit Card, VISA FIFA 2018 World Cup Credit Card Platinum (Elite Edition)；
2. Content of activity: holders of aforesaid credit cards may enjoy the exemption of commission fee for exchange in overseas transactions when using their cards to trade in other countries.
3. Valid term of activity: as long as the card is valid		 When a cardholder is using a VISA or MasterCard to settle the account in a currency other than USD, the bank will automatically exchange the local currency to the currency of his/her card. 　 Retail client
Other services 000801 SMS Service Charge Service charge for SMS notification upon transaction of credit card: RMB 3 each account a month (collected upon a quarterly basis); free of charge for platinum credit card (including titanium card) and diamond card. 1. Subject of activity: holders of Credit Card Golden Card;
2. Content of activity: holders of Credit Card Golden Card may enjoy the preferential exemption of message service fee for transaction notice;
3. Valid term of activity:from January 1, 2018 to December 31, 2018 (inclusive)		 　 　 　
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