About IB

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
Valid term of activity: from July 1, 2021 to June 30, 2022 (inclusive)
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, Xing Power Credit Card Gold, Unionpay Art Credit Card Gold, Sohu Video Joint Credit Card Gold, Bayern Munich Credit Unionpay Card Gold, Bayern Munich Credit Unionpay Card Gold (Legendary Custom Edition), Surfing Joint Credit Card Gold, Ireader Joint Credit Card Gold and Srandard, American Express®Yao Hong 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;
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.
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:
1. Subject of activity: IB Express Credit Card Gold 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: 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.
Special Offer IV:
1. Subject of activity: debit and credit all-in-one card
2. 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.
Special Offer V:
1. Subject of activity: Crystal Credit Card Gold Card
2. 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.
Special Offer VI:
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.

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). Sohu Video Joint Credit Card Gold (Elite Edition), Bayern Munich Credit Unionpay Card Gold (Elite Edition), Bayern Munich Credit Unionpay Elite Card Gold (Legendary Custom), Mengniu Joint Credit Card Gold (Elite Edition), Ireader Joint Credit Card Gold (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.
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.
Special Offer III:
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:
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:
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 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: annual fee is exempted within the valid term

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.
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.
Special Offer III:
1. Subject of activity: Clients of VISA Standard Dual Currency Platinum Card, MasterCard Standard Dual Currency Platinum Card and UnionPay Xingxiang platinum credit card applied by omni-channel; The UnionPay Xingxiang Platinum Credit Card additionally issued by Gold Card up to Platinum Card through e-marketing channel;
2. Valid term of activity: July 1, 2021 - December 31, 2021 (inclusive)
3. Content of activity: from the second month (natural month) after card verification, within 6 consecutive months (natural month), the annual fee for the first year can be reduced (only for the main card) if the monthly cumulative points transaction reaches RMB 10000 (or US $equivalent) and at least one installment transaction occurs.

V. Platinum Credit Card (You Series)
1. Subject of activity: Yoyi Business Travel Platinum Credit Card and Yoyue Health Platinum Credit Card (only for all channel new clients and clients who have been up from Gold Card to Platinum Card and have never applied for a Rigid White Card)
2. Valid term of activity: July 1, 2021 - December 31, 2021 (inclusive)
3. Content of activity: from the second month (natural month) after card verification, within 6 consecutive months (natural month), the annual fee for the first year can be reduced (only for the main card) if the monthly cumulative points transaction reaches RMB 5000 (or US $equivalent) and at least one installment transaction occurs.
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. 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/VISA Business Purchase Credit Card
2. Content of activity
No annual fee during the activity.
Valid term of activity: from September 30, 2021 to June 30, 2022 (inclusive)

Special Offer II:
1. Subject of activity: Cardholders of MasterCard Business Travel Credit 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;
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.
Valid term of activity: from July 1, 2021 to September 29, 2021 (inclusive)

Special offer III:
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), Ji'nan 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), Hebei business card (UnionPay), Foshan Gaoming District business card (UnionPay), Deyang business card (UnionPay), Beihai business card (UnionPay), Jilin business card (UnionPay), Kekedala business card (UnionPay), Sichuan business card (UnionPay), Shenyang 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)”.
3. Valid term of activity: from July 1, 2021 to June 30, 2022 (inclusive)
Institutional clients
000102 Production cost IC credit card: RMB 5 / card;
urgent credit card production fee (including express delivery): RMB 100 / card(pure express delivery charge of RMB 20 a 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 specially designed credit card: RMB 0-3888 / card  (Price will be determined according to card theme, design, supporting production process and optional card number and other personalized services),the special design production cost of CIB Inheritance UnionPay platinum credit card is 1688 yuan/card;the special design production cost of Mashimaro PASS card (charged version) is 58 yuan/card;
Valid term of activity: from July 1, 2021 to June 30, 2022 (inclusive)
Special Offer I
1. Subject of activity: IC credit card
2. Content of activity:
(1) Gold and standard cards
① Holders of newly issued IC credit cards (main card) may be exempted the production 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 production cost;
② Holders of newly issued supplementary cards may be exempted RMB 5 of production cost for each card;
③ Clients may be exempted the production 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 production cost of IC credit card is exempted.
(3) The production cost of reissuing or renewing UnionPay single-currency magnetic stripe credit card or upgrading to UnionPay single-currency IC credit card is exempted.
Note: 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 strip card), MINI-SHINY Constellation credit card (magnetic strip card), and QQ VIP credit card (magnetic strip card)
2. Content of activity: every client may enjoy one-off reduction of up to RMB 40 with respect to the production 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 production cost reduction of RMB 40.

Special offer III:
1. Subject of activity: credit cards featuring DIY function on the card surface
2. Content of activity:
(1) Gold and standard cards
① Holders of credit cards (main card) featuring DIY function on the card surface may be exempted the production 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 production cost;
② Holders of newly issued supplementary cards may be exempted RMB 80 of production cost for each card;
(2) Products above the level of platinum card (elite edition) (inclusive): the production cost for DIY function is exempted.
Note: Card use for consumption refers to general consumption and cash advance, excluding various kinds of expenses or interests.

Special Offer IV:
1. Subject of activity: Art Themed Credit Card Gold
2. Content of activity: production cost for special designed Art Themed Credit Card Gold is RMB 58/card;It is charged for new card, reissued or replaced card, but not for renewed card. The production cost will be charged after the card is activated.
Note: Art Themed Credit Card Gold will not apply its original front after renewal
Production cost of IC credit card: To issue a new IC credit card or reissue an IC credit card, including to issue a new IC credit card, to renew a IC credit card, and to replace a magnetic strip credit card with an IC credit card; 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).
Production cost of IC credit card will be charged for new card, reissued or replaced card, but not for renewed card. The production cost of IC card will be charged after the card is activated. The production cost will be charged separately for all IC cards unless it is otherwise specified;
Garfield credit card (magnetic strip card), MINI-SHINY Constellation credit card (magnetic strip card), and QQ VIP credit card (magnetic strip card): The production cost will be charged after the card is activated;
Production cost of DIY credit card: The production cost will be charged after the card is activated; upon the replacement of mature card, that is card renewing, the production cost will be charged again;
Credit card surface DIY function (principal card/supplementary card): The production cost will be charged from new customers applying for the card, but no charge from customers applying for reissuing or replacing card and renewing card. The production cost will be charged after the card is activated;
No urgent preparation cost for the following credit card products: UnionPay VIP platinum credit card, GOLF platinum credit card, Xing platinum credit card, IB & Xiamen Airlines Egret co-branded platinum credit card, IB & Shanghai Benz co-branded platinum credit card, Business Express diamond credit card, and platinum credit card (standard version);
Production cost for specially designed credit card: It is charged for new card, reissued or replaced card and renewed card (including card face optional), and charged after the card is activated; the optional service of the same card number is only charged once after the new card is activated.
Retail client
IC credit card: RMB 5 / card;
urgent credit card production fee (including express delivery): RMB 100 / card (pure express delivery charge of RMB 20 a card)
Valid term of activity: from July 1, 2021 to June 30, 2022 (inclusive)
Special Offer:
1. Subject of activity: IC credit card
2. Content of activity:
(1) Gold and standard cards
①holders 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 holders of newly issued supplementary cards may be exempted RMB 5 of labor cost for each card;
③ clients may be exempted the labor cost if they apply for renewing or reissuing their cards.
(2)   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:Card use for consumption refers to general consumption and cash advance, excluding various kinds of expenses or interests.
Production cost of IC credit card: It is charged for new card, reissued or replaced card, but not for renewed card. The production cost of IC card will be charged after the card is activated. The production cost will be charged separately for all IC cards unless it is otherwise specified. Institutional clients
000104 Handling charges for cash withdrawal or transfer of credit card 1. Handling charges for cash advancement (including overdraft transfer): 2% of the amount, minimum RMB 20 or USD 2 per transaction (regardless of being local or non-local);
2. Handling charges for cash withdrawal or transfer of overpayment: It will be charged at the rate of 0.5% of the amount, not less than RMB 5 or USD 1 per transaction and not more than RMB 50 or USD 10 per transaction
3. Handling charges for overseas emergency cash withdrawal (only for dual-currency credit card, VISA/MasterCard single-brand credit card): 2% of the amount, minimum 20 yuan/transaction or 2 US dollars/transaction;
4.Handling charge for money borrowed at any time: One-time handling charge for money borrowed at any time: RMB 10 for each transaction.
Valid term of activity: from July 1, 2021 to June 30, 2022 (inclusive)
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, Bayern Munich Credit Unionpay Card Gold (Elite Edition), Bayern Munich Credit Unionpay Elite Card Gold (Legendary Custom Edition), Bayern Munich Credit Unionpay Card Platinum (Elite Edition), Bayern Munich Credit Unionpay Elite Card Platinum (Legendary Custom Edition)
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.
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.
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. Kind note: this special offer is not applied to overseas emergency cash withdrawal business.
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.
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.
(6) This special offer is not applied to overseas emergency cash withdrawal business.
1. Handling charges for cash advancement (including overdraft transfer): To provide the cardholders with the service of cash advancement (including overdraft transfer) via multiple channels;
2. Handling charges for cash withdrawal or transfer of overpayment: To provide a customer with a withdrawable channel and service according to the amount of funds over the overdraft limit in the credit card account of the customer.
3. Handling charges for overseas emergency cash withdrawal (only for dual-currency credit card, VISA/MasterCard single-brand credit card): The bank and the card association jointly provide emergent support service for the oversea travel of a customer for emergent circumstance that may occur to the customer at abroad.
4.Handling charge for money borrowed at any time:To provide cash advance transfer service to card holders.
Retail client
000111 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 July 1, 2021 to June 30, 2022 (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), Bayern Munich VISA Platinum Credit Card (Elite Edition), MasterCard Noble Platinum Credit Card (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 July 1, 2021to June 30, 2022 (inclusive)
Kind notes: The start amount for free SMS of RMB transaction using Union pay principal card of credit card gold is 500 yuan/transaction (inclusive) (except for special transactions). You can follow the WeChat offcial account of "Industrial Bank Credit Card” to know changes to your account and enjoy more financial convenience via binding your credit card.
Retail and institutional clients
000804 Service charge of platform Subject to relevant agreement, it will be charged according to the services provided to customers. 1. Subject of activity: The merchants who meet the entry standard of preferential merchants of haoxingdong App of Industrial Bank and sign the cooperation agreement of preferential merchants of haoxingdong App of Industrial Bank.
2. Content of activity: Free of platform service fee
3. Valid term of activity: from July 1, 2021 to June 30, 2022 (inclusive)
Institutional clients
TOP