| Business category | No. | Service item | Charging rates | Incentives | Service item | Charging rates | Incentives |
| Account settlement service | 000101 | Account management (credit card annual fee) | Retail customers: Annual fees for credit card (50% for supplementary card 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 edition): 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; 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 activity: from July 1, 2023 to June 30, 2024 (inclusive) I. Gold card and standard card 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 card is used for consumption or withdrawing cash for five times (no amount limit) within one year after the card is verified. 2. 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: annual fee is exempted within the valid term of card. 3. IB Express Credit Card Gold Card 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 5,000. Note: Installment transactions include all installment business currently operated by IB; meanwhile the amortized principal of that year must reach or surpass RMB 5,000. 4. Debit and credit all-in-one card Special offer 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 total amount of repayment reaches RMB 100; Special offer 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 total amount of repayment reaches RMB 100. Note: the above preferential activities are not available at the same time II. Platinum card (elite edition) / titanium card 1. Special offer for the annual fee of the first year: the annual fee of the first year will be exempted after the card is verified; Special 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 5,000; 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 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, New Motorists' Club Credit Card, PICC P&C Joint Credit Card, 273 Motorists' Club Joint Credit Card: Special offer for the annual fee of the first year: the annual fee of the first year will be exempted after the card is verified; Special 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 30,000 within one year after the card is verified. 3. MasterCard and VISA single-brand credit card: annual fee is exempted within the valid term of card (regardless of principal card or supplementary card) Note: the above preferential activities are not available at the same time III. Shanghai Benz Platinum Joint Credit Card: annual fee is exempted within the valid term IV. Platinum credit card (standard edition) 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 objects to which the activity is applicable During the activity, platinum credit cards that are applied for, approved and issued and satisfy the following standards: (1) Platinum credit cards with annual fee of RMB 900 and RMB 2600 (except Bank Card Platinum Credit Card and its special edition, Motorists' Club Credit Card, PICC P&C Co-branded Credit Card, Airline & Business Travel Credit Card, CIB Inheritance UnionPay Platinum Credit Card) (2) Both new and old customers may participate in the activity (except customers with valid platinum credit cards in their names on December 31, 2022) 2. Content of the activity (1) Platinum credit card with annual fee of RMB 900: 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 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 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 [The activity will be valid until June 30, 2024 (inclusive)] VI. Payment of annual fee through point redemption 1. Card products to which the activity is applicable Youyi Business Travel Platinum Credit Card, Youyue Health Platinum Credit Card, Lixiang Platinum Credit Card (standard edition), 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 (referring to natural year), the customer can use the points to redeem the accrued annual fee of the year in 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: use 150,000 points to redeem the annual fee of RMB 900 of the year of the principal card or the annual fee of RMB 600 of the year of the supplementary card (2) Lixiang Platinum Credit Card (You series): use 150,000 points to redeem the annual fee of RMB 900 of the year of the principal card (3) Lixiang Platinum Credit Card (standard edition): use 1,300,000 points to redeem the annual fee of RMB 2600 of the year of the principal card (4) Xingxiang Platinum Credit Card: use 500,000 points to redeem the annual fee of RMB 2600 of the year of the principal card. Kindly Reminder: You can only use the manual redemption by calling the customer service hotline: 95561. |
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. | Retail client |
| 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 September 30, 2024 (inclusive), the annual fee is exempted for cardholders of MasterCard Business Travel Credit Card / VISA Business Purchase Credit Card. Special Offer II From September 30,2021 to September 30, 2024 (inclusive), the annual fee is exempted for UnionPay governmental business credit card and UnionPay business card within the valid term of card. Note: the “UnionPay governmental business credit card” is gold card, not “UnionPay business card”. |
Institutional clients | |||||
| 000102 | Production cost | Retail customers: 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; |
From July 1, 2023 to June 30, 2024 (inclusive), enjoy exemption of production cost of IC credit card. | 1. 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; 2. Urgent preparation cost of credit card: The service provided to customers when they ask for urgent card production on their own initiative; 3. Production cost for specially designed credit cards: issue a new card or replace the old card with a specially designed credit card for clients. |
1.Production cost of IC credit card: It is charged for new card, reissued or replaced card, but not for renewed card. Production cost of IC credit card and specially designed credit card will be charged after the card is activated. 2. 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); 3. Production cost for specially designed credit card: It is charged for new card, reissued or replaced card and renewed card (including card surface 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 | |
| Organization clients: 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) |
From July 1, 2023 to June 30, 2024 (inclusive), enjoy exemption of production cost of IC credit card. | 1. 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; 2. Urgent preparation cost of credit card: The service provided to customers when they ask for urgent card production on their own initiative; |
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. | 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, 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 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, 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, 2023 to June 30, 2024 (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, QQ VIP credit card, IQiyi Joint Credit Card, 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 Theme Unionpay Credit Card Gold Card, Bayern Munich Theme Unionpay Gold Card (Legendary Custom Edition), Bayern Munich Theme Unionpay Platinum Credit Card (Elite Edition), Bayern Munich Theme Unionpay Elite Edition Platinum Card (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: Xing Power Credit Card Campus Edition 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: International Student Credit Card, 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. |
Organization 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 withdrawals. |
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, 2023 to June 30, 2024(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, 2023to June 30, 2024 (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. |
Service charge for SMS notification upon transaction of credit card: Service charge for SMS notification upon transaction: After a cardholder activate the transaction SMS notification service, the bundled 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 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 standards of preferential merchants of IB Life App of Industrial Bank and sign the cooperation agreement for preferential merchants of IB Life App of Industrial Bank. 2. Content of activity: Free of platform service fee 3. Valid term of activity: from July 1, 2023 to June 30, 2024 (inclusive) |
Taking advantage of IB's advantages in technology, channels, and information, IB provides customers with account payment and settlement, clearing, information exchange, product trading and other comprehensive services through the establishment of the system or platform. | Institutional clients |