With the coming of summer vacation, another peak period for oversea travel is witnessed by China. Many domestic banks are busy releasing a variety of preferential promotions for overseas travel. Of them, IB released the integrated program combining the “XING” credit card and "Suixingyou" (Interest-guided Tour) travel product, providing all-sided services for travelers to enjoy their tours abroad.
“A Perfect Combination of Two Products”
It is reported that, by combining the “XING” credit card and “Suixingyou” (Interest-guided Tour) tour finance service program, IB provides travelers with a package of travel credit and payment services to solve travel-related trifles in an all-sided manner, thus helping them to travel abroad easily.
The “XING” credit card of IB is a characteristic product that the bank develops for travelers. Besides enjoying convenient and secure financial payment, cardholders may also experience a range of exclusive benefits, including free limousine pickup at/to the airport both at home and abroad, free VIP service at both domestic and oversea airports, global shopping free of handling charges for foreign exchange without restriction on service times, exclusive concessions for global car rental, fast customs clearance, value-added points rewarded for air miles, and fixed-amount compensation protection for flight delay, etc.
In addition, the "Suixingyou" (Interest-guided Tour) tour finance service program released by IB recently brings great convenience for oversea travelers. Centering on the fast and guaranty-free personal travel loan, the program also provides a number of other financial services, such as deposit certification, purchase of foreign exchange and travel insurance, to meet the multi-layered needs of customers with travel plans. Compared with the traditional personal consumption loan, the business of “Suixingyou” (Interest-guided Tour) personal travel loan boasts the features including broad coverage of purposes (the loan can be used for many purposes, such as deposit and group fees paid to the travel agency and travel consumption), easy handling procedure (real property certificate or income certificate for a credit loan up to RMB 300,000), and fast examination and approval (the result of loan application can be known within a period as short as two workdays).
Oversea Travel at Special Concessions
In the aspect of card consumption promotion, IB Credit Card has launched the “Special Offer around the World” series of preference campaigns for card consumption at abroad, including a variety of promotion activities such as “More Consumption, Greater Gifts”, “Immediate Concession of Tour Fees”, lucky draw, and offer of phone fees for new users, which covers each link of card-swiping consumption by travelers abroad. For instance, a gift worth up to RMB 1,000 may be presented for the consumption equivalent to RMB 10,000, and a chance to get an iPhone 5 for the consumption equivalent to RMB 80,000.
Recently, IB also released a series of overseas travel routes at special concessions, covering Hong Kong, Macao, Taiwan, Singapore, Malaysia, Thailand, and the hot destination, South Korea. Concessions can be overlapped layer by layers, and you may save up to RMB 4,000.
For instance, before September 30, IB offers to platinum card holders the four-day and three-night tour of Anantara to Mai Khao Beach, Phuket Island, in which one can experience the unparalleled top-level resort, sleep in deluxe suite, and enjoy the entirely free breakfast at the cost only of RMB 2,031.
Secured Payment
The security of credit card is exceptionally important for oversea travel. Recently, a number cardholders of IB received the short message from the bank, warning them “to keep in mind the secured payment: Don't set password in a careless manner and move your eyesight off your card upon consumption; guard against traps for internet payment and compare the domain names carefully; close the function of transaction with foreign currency, and it is not late to activate it before going abroad.” The bank also reminds that cardholders should always keep an eye on cards upon card-swiping consumption at abroad and take back the credit cards after swiping.
In addition, one should be prudential when shopping at oversea websites. As learnt by the reporter, as early as 2008, IB released the verification service for the security of online payment with credit cards (3D verification system for short) jointly with international organizations including VISA and MASTERCARD, with a view to making it easy for customers to do shopping abroad and improving the security of using cards overseas. Customers holding IB credit cards with VISA or MASTERCARD marks could log on the credit card website of IB to handle relevant security setup, and the individualized information of cardholders will pop out upon transaction, which can effectively prevent the credit card information of customers being intercepted by a “phishing website” and used fraudulently by outlaws. Meanwhile, the transaction cannot be finished until the mobile dynamic password is verified, which provide further protection for the security of transaction.