| Business category | No. | Service item | Charging rates | Incentives | Service Content | Remarks | Target Customer |
| Account settlement service | 000101 | Account Management (credit card annual fee) | Retail customers: Annual fees for credit cards (50% for supplementary cards unless otherwise specified): Common card: RMB 80–100/card (set); Gold card: RMB 200/card (set); Platinum credit card (elite edition)/titanium credit card: RMB 500/card (principal card/supplementary card); Platinum credit card (edge version): RMB 600/principal card (no supplementary card temporarily); Platinum credit card (YOU series): RMB 900/principal card, RMB 600/supplementary card; Platinum credit card (standard version): RMB 2,600/principal card, RMB 1,200/supplementary card; Centurion Platinum Card: RMB 6,000/principal card, RMB 3,000/supplementary card; Diamond card: RMB 15,000/card (principal card/supplementary card) Additional charging rates for special credit card products: GOLF platinum credit card: principal card/supplementary card: RMB 9,000/card; Shanghai Benz Platinum Joint Credit Card: RMB 3,500/card; QQ Show Credit Card (Physical Card): MINI card: RMB 40/card. |
Valid term of the activity: from July 1, 2024 to June 30, 2025 (inclusive) I. Gold card and standard card Preferential treatment for the annual fee of the first year: the annual fee of the first year is exempted immediately after the card is verified; Preferential treatment for the annual fee of the next year: the annual fee of the next year is exempted if the card is used five times for consumption or cash withdrawal (no amount limit) within one year after the card is verified. 2. Campus Version of the Xing Power Credit Cards, MAX + UnionPay Credit Cards, Campus Version of the PASS UnionPay Joint Credit Cards, E-card of Foshan Educational Metropolitan Area Network, UnionPay Standard Gold Card Automotive Installment DIY Cards, UnionPay Standard Gold Card Car Lot Installment DIY Cards, UnionPay Standard Gold Card Bulk Commodity Installment DIY Cards: the annual fees are exempted within the valid term of such cards. 3. IB Express Credit Card Gold Card Preferential treatment for the annual fee of the first year: the annual fee of the first year is exempted immediately after the card is verified; Preferential treatment for the annual fee of the next year: the annual fee of the next year is exempted if the transaction of that year (in installments) amounts to RMB 5,000. Note: Installment transactions include all installment business currently operated by IB; meanwhile the amortized principal of that year must total not less than RMB 5,000. 4. Debit and credit all-in-one card Preferential treatment for the 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 amount of repayment totals RMB 100; Preferential treatment for the 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 amount of such repayment totals RMB 100. 5. During the validity period of the Tencent Co-branded Credit Card Gold Card (excluding the Super VIP version), the annual fee is 80 Yuan per year per card. The annual fee is waived for the first year after approval, and if the card is used or cash is withdrawn at least 5 times within one year after approval, regardless of the amount, the annual fee for the following year will also be waived. Note: the above preferential activities are not applicable at the same time. II. Platinum card (elite version) / titanium card 1. Preferential treatment for the annual fee of the first year: the annual fee of the first year will be exempted after the card is verified; Preferential treatment 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 totals RMB 5,000; if the above-mentioned condition is not met, the annual fee of the next year may also be automatically exempted if the points reach 30,000 on the date of annual fee collection. 2. Eastern Airlines Joint Credit Card, Juneyao Air Joint Credit Card, China Southern Airlines Sky Pearl Credit Card,Motorists' Club Credit Card, PICC P&C Joint Credit Card, 273 Motorists’ Club Joint Credit Card: Preferential treatment for the annual fee of the first year: the annual fee of the first year will be exempted after the card is verified; Preferential treatment 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 30,000 within one year after the card is verified. 3. MasterCard and VISA single-brand foreign currency credit card: annual fee is exempted within the valid term of card (regardless of principal cards or supplementary cards) Note: the above preferential activities are not applicable at the same time III. Shanghai Benz Platinum Joint Credit Card: the annual fee is exempted within the valid term. IV. Platinum credit card (standard version) 1. Xiamen Airlines Egret Joint Credit Card: gold and silver members of Xiamen Airlines Egret Club may enjoy the preferential annual fee of RMB 2,300/card for the first year. 2. Eastern Airlines Joint Credit Card: gold and silver members of Eastern Miles Club may enjoy the preferential annual fee of RMB 2,300/card for the first year. V. The annual fee of the first year will be reduced or exempted if the transaction amount of the Platinum Credit Card satisfies the standard 1. Products and target customers to which the activity is applicable During the activity, platinum credit cards that are applied for, approved and issued should satisfy the following standards: (1) Platinum credit cards with an annual fee of RMB 900 and RMB 2600 (except Bank Card Platinum Credit Card and its special edition, Motorists' Club Credit Cards, PICC P&C Co-branded Credit Cards, Airline & Business Travel Credit Cards, CIB Inheritance UnionPay Platinum Credit Cards) (2) Both new and old customers may participate in the activity (except customers with valid platinum credit cards in their names on December 31, 2023) 2. Content of the activity (1) Platinum credit card with an annual fee of RMB 900: within 6 months (natural month) from the second month (natural month) after the card is verified, if the cumulative transaction volume of each month reaches RMB 8,000 (or equivalent amount in USD), the annual fee of the first year (only for the principal card) may be reduced or exempted (2) Platinum credit card with an annual fee of RMB 2600: within 6 months (natural month) from the second month (natural month) after the card is verified, if cumulative transaction volume of each month reaches RMB 15,000 (or equivalent amount in USD), the annual fee of the first year (only for the principal card) may be reduced or exempted [For details of the event, please refer to the relevant announcement of the event on the bank’s official website] VI. Payment of annual fee through point redemption 1. Applicable Card Products Youyi Business Travel Platinum Credit Card, Youyue Health Platinum Credit Card, Lixiang Platinum Credit Card (standard version), Lixiang Platinum Credit Card (You series), Xingxiang Platinum Credit Card 2. Content of the activity During the activity, if customer uses the activity card product to complete an installment (type of installment is not limited) of any amount in a year (natural year), the customer can use the points to redeem the accrued annual fee of the year within the year. And the installment payment transaction is subject to the date of approval of authorization. And the redemption standards are as follows: (1) Youyi Business Travel Platinum Credit Card, Youyue Health Platinum Credit Card: 150,000 points may redeem RMB 900 of the annual fee of the year of the principal card or RMB 600 of the annual fee of the year of the supplementary card (2) Lixiang Platinum Credit Card (You series): 150,000 points may redeem RMB 900 of the annual fee of the year of the principal card (3) Lixiang Platinum Credit Card (standard edition): 1,300,000 points may redeem RMB 2600 of the annual fee of the year of the principal card (4) Xingxiang Platinum Credit Card: 500,000 points may redeem RMB 2600 of the annual fee of the year of the principal card. Friendly Reminder: the manual redemption may only be conducted by calling the customer service hotline: 95561.For details of the event, please refer to the relevant announcement of the event on the bank’s official website. |
Card holders are provided with credit card finance service, relevant value-added service and rights and interests. | The credit card products without supplementary cards are charged based on the standard of the principal card; the credit card products with supplementary cards are charged half as much as that of the principal card unless otherwise specified. IB will not return the annual fees that have been paid; any adverse effect on personal credit record caused by overdue payment of the annual fee should be borne by the card holder. | Retail clients |
| UnionPay business card: RMB 300/card; MasterCard Business Travel Credit Card/Visa Corporate Card: gold card: RMB 300/card; standard card: RMB 100/card |
Special Offer I: From September 30, 2021 to June 30, 2025 (inclusive), the annual fee is exempted for cardholders of MasterCard Business Travel Credit Cards/VISA Business Purchase Credit Cards. Special Offer II From September 30, 2021 to June 30, 2025 (inclusive), the annual fee is exempted for the UnionPay governmental business credit card and the UnionPay business card within the valid term of the cards. Note: the “UnionPay governmental business credit card” is a gold card, rather than a “UnionPay business card”. |
Institutional clients | |||||
| 000102 | Production cost | Retail clients: IC credit card: RMB 5/card; Production cost of specially designed credit cards: RMB 0–3888/card (Prices are determined according to the card theme, design, supporting production process and optional card number and other individualized services). |
From July 1, 2024 to June 30, 2025 (inclusive), the exemption of production cost of IC credit cards is applicable. | Retail clients: 1. Production cost of IC credit cards: to issue a new IC credit card or reissue an IC credit card, including issuing a new IC credit card, replacing an IC credit card, and replacing a magnetic strip credit card with an IC credit card; 2. Production cost for specially designed credit cards: to issue a new card or replace the old card with a specially designed credit card for clients. |
Production cost of IC credit card: it is charged for new card issuance, card re-issuance or replacement, but not for card renewal. Production cost of IC credit cards and specially designed credit cards will be charged after the card is activated. Production cost for specially designed credit cards: it is charged for new card issuance, card re-issuance or replacement and card renewal (including optional card surface) after the card is activated; the optional service of the same card number is only charged once after the new card is activated. |
Retail clients | |
| Institutional clients: IC credit card: RMB 5/card. |
From July 1, 2024 to June 30, 2025 (inclusive), enjoy exemption of production cost of IC credit card. | Institutional clients: 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 an IC credit card, and to replace a magnetic strip credit card with an IC credit card; |
Production cost of IC credit card: it is charged for new card issuance, card re-issuance or replacement, but not for card renewal. The production cost of IC cards will be charged after the card is activated. | Institutional clients | |||
| 000104 | Handling Charges for Cash Withdrawal or Transfer of Credit Cards | 1. Handling charges for cash advance (including overflow transfer): 2% of the amount, not less than RMB 20 or USD 2 per transaction and not more than RMB 500 or USD 100 per transaction (regardless of being local or non-local); 2. Handling charges for overpayment cash withdrawal or transfer: 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,and cardholders can transfer the overpayment of credit card to their domestic account in the same bank free of charge; 3. Handling charges for overseas emergency cash withdrawal (only for dual-currency credit cards, VISA/MasterCard single-brand credit cards): 2% of the amount, not less than RMB 20 or USD 2 per transaction and not more than RMB 500 or USD 100 per transaction; |
Valid term of activity: from July 1, 2024 to June 30, 2025 (inclusive) Special Offer I: 1. Target products: 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, QQ VIP credit card, IQiyi Joint Credit Card, Youku Joint Credit Card, KuGou Joint Credit Card, MAX+UnionPay Credit Card, Campus Version of the PASS UnionPay Credit Card, PASS Platinum Credit Card (Elite Version), Eleme Joint Credit Card, Bayern Munich Theme Unionpay Credit Card Gold Card, Bayern Munich Theme Unionpay Gold Card (Legendary Custom Version), Bayern Munich Theme Unionpay Platinum Credit Card (Elite Version), Bayern Munich Theme Unionpay Elite Edition Platinum Card (Legendary Customized Version) 2. Content of the activity: Holders of above-mentioned credit cards may enjoy the concession/exemption of handling charges of the first cash withdrawal transaction incurred in each billing month. Friendly Reminders: (1) Cash withdrawal transactions include 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 day to 21:00 of the next billing day. (4) Overseas cash withdrawal and domestic USD overflow payment cash withdrawal are excluded from this preferential treatment. Special Offer II: 1. Target products: Xing Express Credit Card and Share Now Credit Card 2. Content of the activity: Holders of above-mentioned credit cards may enjoy the concession/exemption of handling charges of the first three transactions incurred in each billing month. Friendly reminders: (1) Cash withdrawal includes cash advance and overflow payment cash withdrawal. The transaction date should be subject to the actual time of transaction recorded by the IB Credit Card System. (2) A billing month refers to the period between 21:00 of a billing day to 21:00 of the next billing day. (3) All cash withdrawal stated above will not add points. Special Offer III: 1. Target product: IB Shang MasterCard Dual-Currency Platinum Credit Card 2. Content of the activity: the handling fee for the first transaction of overseas cash withdrawal (transaction recorded in USD) in each billing month is exempted for the IB Shang MasterCard Dual-Currency Platinum Credit Card. 3. Friendly reminders: this special offer is not applied to overseas emergency cash withdrawal business. Special Offer IV: 1. Target product: Campus Version of the Xing Power Credit Card 2. Content of the activity: (1) Within the valid term of the activity, holders of the above-mentioned credit card may enjoy the exemption in the handling fees for overflow payment or transfer. (2) All above-mentioned transactions will not add points. Special Offer V: 1. Target products: International Student Credit Card, and MasterCard Standard World Card 2. Content of the activity: holders of above-mentioned credit cards may enjoy the exemption of handling fees of the first transaction incurred in each billing month. Friendly reminders: (1) The transaction time will be determined according to the time transaction recorded by our bank system; (2) Each account may only enjoy the exemption once in one bill checking month. (3) The bill checking month refers to the period from 21:00 of bill day to the 21:00 of next bill day. (4) This product does not support cash advance in RMB (including overflow transfer) and overpayment cash withdrawal or transfer; (5) Excluding the ATM usage 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 overflow transfer): to provide the cardholders with the service of cash advance (including overflow transfer) via multiple channels; 2. Handling charges for overpayment cash withdrawal or transfer: to provide a customer with a withdrawable channel and service according to the amount of funds over the overflow limit in the credit card account of the customer. 3. Handling charges for overseas emergency cash withdrawal (only for dual-currency credit cards, and VISA/MasterCard single-brand credit cards): the bank and the card association jointly provide urgent support service for emergencies that may occur in the oversea travel of a customer. |
Institutional clients: The business procurement credit card (standard business card) does not have the functions of cash advancement, cash withdrawal of overpayment and overseas emergency cash withdrawal. |
Retail and institutional clients | |
| 000111 | Handling Fee for Remittance in Overseas Transactions (only for dual-currency credit cards, VISA/MasterCard single-brand credit cards) | Charged at 1.5% of the transaction amount. | Special Offer I: 1. Target product: IB Platinum Credit Card and Shang Platinum Credit Card,Mastercard Standard Credit Card Gold Card, Mastercard Platinum Credit Card for Youyi Business Travel (Dual Application Chip Credit Card), Mastercard Platinum Credit Card for Youyue Health (Dual Application Chip Credit Card) 2. Content of the activity: holders of MasterCard Credit Card swiping his or her card for consumption in foreign countries may enjoy the preferential exemption of the handling fee for exchange in overseas transactions. 3. Valid term of the activity: from July 1, 2024 to June 30, 2025(inclusive) Special Offer II: 1. Target products: 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 Version), VISA Pyeongchang Winter Olympic Games Credit Card Platinum (Elite Version), International Student Credit Card, VISA FIFA 2018 World Cup Credit Card Platinum (Elite Version), Bayern Munich VISA Platinum Credit Card (Elite Version), MasterCard Noble Platinum Credit Card (Elite Version); 2. Content of the activity: holders of aforesaid credit cards may enjoy the exemption of the handling fee for exchange in overseas transactions when using their cards to trade in foreign countries. 3. Valid term of the activity: the valid term of the cards. |
When a cardholder is using a VISA or MasterCard to settle the non-USD consumption, the bank will automatically converting the card settlement currency into the local currency of his/her card. | Retail clients | ||
| Other services | 000801 | SMS Service Charge | Service charges for SMS notification upon transactions of credit cards: RMB 3 each account a month (collected upon a quarterly basis); free of charge for platinum credit cards (including titanium cards) and diamond cards. | 1. Target products: holders of Credit Card Golden Cards; 2. Content of the activity: holders of Credit Card Golden Cards may enjoy the preferential exemption of SMS service fee for transaction notification; 3. Valid term of the activity: from July 1, 2024 to June 30, 2025 (inclusive) Friendly reminders: the start amounts for free SMS of RMB transaction using the Union pay principal card of credit gold card is 500 yuan/transaction (inclusive) (except special transactions). You can follow the WeChat official account of "Industrial Bank Credit Card” and bind your credit card to have an access to real time changes to your account and enjoy more financial convenience. |
Service charge for SMS notification upon transaction of credit cards: Service charge for SMS notification upon transactions: after a cardholder activates the transaction SMS notification service, the bound mobile phone number of the cardholder can receive the transaction SMS notification once the cardholder initiates any transaction with his or her credit card (except for gold card and principal card). In this way, the customer may know the state of his or her credit card and ensure security in using the card. | The credit card transaction alerts and balance change notification services on the Industrial Bank Life APP and the "Industrial Bank Credit Card" WeChat official account are free of charge. | Retail and institutional clients |
| 000804 | Platform Service Charge | Subject to relevant agreements. | 1. Target customers: In the section dedicated to local preferential treatment, the merchants who meet the entry standards of preferential merchants of the IB Life App of Industrial Bank and sign the cooperation agreement for preferential merchants of the IB Life App of the Industrial Bank. 2. Content of the activity: free of platform service charges 3. Valid term of the activity: from July 1, 2024 to June 30, 2025 (inclusive) |
Making use of IB's advantages in technology, channels, and information, IB provides customers with account payment and settlement, clearing, information exchange, product trading and other integrated services through establishing the system or platform.. | Institutional clients |