The “Natural Life” Family Wealth Management Card from the Industrial Bank is the first series of family wealth management cards in China. Making optimal use of comprehensive wealth management tools for electronic currency and an integrated personal banking service platform, natural life wealth management cards allow for the centralized management of a number of different bank accounts. The numerous functions that the series offers cardholders include the deposit and withdrawal of cash, account transfers and settlement, self-service financing, agency services, consumer transactions and comprehensive wealth management.
“Natural Life” Family Wealth Management Card includes two series: standard card and youth card.
With professional and unique individualized wealth management design and service, this card provides answers to the questions of customers on investment and performs as a good partner for customers to achieve success in business and do a good family wealth management. And it help s customers to realize their life values to the greatest extent. Moreover, it can help customers to upgrade their happ iness in life, enjoy the pleasures brought about by wealth, and experience a natural life.
Sample of Black Gold Card
Sample of Platinum Card
Sample of Gold Card
Sample of Silver Card
Youngsters are a group full of vigor and vitality, and they are the hope of their parents and the future of our country. Youth card, namely little bee card, tries to guide children to know various basic wealth management tools and learn the methods to use the basic financial products in a simple and clear way. Through using the wealth management card and learning relevant knowledge, they can learn how to manage their pocket money in a smart way, and in this way, we can help the youngsters to foster a correct concept of money and cultivate the wealth management awareness so as to build a solid foundation for their bright future.
Sample of Gold Card
Sample of Silver Card
1. The First Series of Family Wealth Management Cards in China.
The Industrial Bank is the first bank in China to make wealth management a family activity, covering 2 series of standard and youth. There are a total of 6 different kinds of personalized wealth management cards offering comprehensive services.
2. Value-added Services for the Entire Family.
Value-added services for VIP clients and their family members, including: VIP treatment at airports, golf club services, SOS rescue and business travel insurance. Experience something dignified and unique.
3. Integrated Credit Line, Intelligent Financing, Total Support.
The card allows for loans at any time in an integrated credit line. Loans can be collected and repaid via self-service channels, thus meeting your financing needs.
4. Cash Management, Wealth Planning, Let Your Assets Grow.
Numerous current wealth management accounts can be opened in the card. Sound automatic functions such as scheduled/fixed time payments and redeposit of funds over a certain limit mean that money can be moved around freely as it grows. Integrated statements are also provided to make management of funds easier.
5. Gifts for Points and Prizes Every Quarter
Cardholders earn points whenever making a transaction at the Industrial Bank, such as depositing money, taking-out loans and purchasing wealth-management products. These points can be exchanged for gifts at any time of the year or used to play the fantastic prize draws that are held per quarter.
1. Multiple Accounts, Multiple Currencies
A single card can house a number of different kinds of wealth management settlement account, such as accounts for wealth management, funds, collective assets management plans, entrusted wealth management and fund of disbursement. Separating your wealth management funds in different accounts makes management much more straight forward. Moreover, a single wealth management card can also house fixed and current accounts in multiple currencies such as RMB, HKD, USD, YEN and Euros. The card can be used at “UnionPay ATMs and POSs in China and dozens of other countries for inter-bank enquires, withdrawals and payments.
2. Multiple Choices for Investment and Wealth Management
Your wealth management card grants you access to third-party depository services, WaiHuiBao services, the Bank-UnionPay Link Online Fund Trade, open-ended funds, wealth management products in RMB and foreign currencies, government bonds, collective assets management plans and trust products.
3. Multi-mode Account Transfers
The card allows for account transfer and remittance in real time, scheduled account transfer and remittance as well as automatic redeposit. These services allow you to manage your funds much more flexibly.
4. Multiple Methods of Financing
Methods of financing available include self-service revolving loans and self-service pledge loans.
5. An Array of Promotion
An array of promotion aiming varied products and services will be carried out by Industrial Bank aperiodically.
6. Loads of Value-added Services
Cardholders can use their card to book hotel rooms, book plane tickets and enjoy China Telecom value-added services. VIP clients are entitled to a large number of value-added services such as golf services, VIP treatment at airports, free personalized bank statements and preferential rates.
7. Total Support
Your card can be used in “Wireless IB” mobile phone banking, “Online IB" Internet Banking, “Hotline IB” telephone banking, ATMs, CRMs and other self-service terminals.
Special Offers for Black Gold Card Holders
1. Family Wealth Management Advisor
The Industrial Bank will assign you with one-on-one personal wealth management advisor, who will provide analysis and suggestions based on your individual circumstances and needs. Your advisor is there to help you plan for a wealthier future.
2. VIP Treatment at Airports
Your card entitles you to priority services at 20 airports in 19 domestic cities such as Beijing , Shanghai , Guangzhou , Shenzhen, Hangzhou , Nanjing , Jinan , Fuzhou , Xiamen , Xi'an , Kunming , Tianjin , Wuhan , Quanzhou, Wuyi Shan, Changsha , Chengdu , Qingdao and Urumchi. Stand out from the rest!
3. Golf Services
The card has a number of value-added services and offers for golf, including a special hotline for booking time on the golf course and exemption from paying green fees. Help You enjoy the good life on the golf course!
4. Medical Services
A range of health-related value-added services such as priority medical consultation, health management, VIP treatment and health examination services are available.
5. Free Books
The Industrial Bank will send holders of the Bank's “Natural Life” Family Wealth Management Black Gold Card a current bestselling book every single month. Let your knowledge expand as your wealth does!
6. National Road Rescue, Emergency Medical Support Globally
Emergency medical support anywhere in the world as you travel and 5-star national road rescue (including free towing once per year) mean that you can relax and enjoy your trip without worry.
7. Free “Smart Messenger” SMS Services
Cardholders are entitled to free “Smart Messenger” SMS Services that keep you up to date on the latest status of your funds. Also, the latest financial information about securities, foreign exchange and futures as well as market news will be sent to you by SMS.
8. Priority Services
Industrial Bank outlets have special counters and wealth management areas for VIP clients. Enjoy priority services and VIP treatment when you visit the Bank.
9. Social Events for Top Clients
The Industrial Bank will send you its regards at major holidays and on your special days. Moreover, the Bank selects top family clients to participate in socials every year.
10. Free Business Travel Insurance
The Industrial Bank provides high-claim travel insurance free of charge, meaning that you can relax and enjoy your trip without any worries.
11. Emergency Payment Support
If your wealth management card is lost or stolen when you are away, take your proof of identification to an Industrial Bank outlet and the bank will provide you with emergency funds to help you out of a tricky situation.
Special Offers for Platinum Card Holders
Preferential offers include: Dedicated client manager, VIP services at airports, health and medical services, free books (one every two months), free business travel insurance, emergency medical support globally, golf services, free “Smart Messenger” SMS services, priority services in bank outlets, preferential service rates and highly considerate services.
Special Offers for Gold Card Holders
Preferential Offers include: Dedicated client manager, free “Smart Messenger” SMS services, priority services, preferential service rates, highly considerate services and friendly notices.
You have the choice of applying for a personal wealth management card or family wealth management cards. Personal cards and family cards of the same class are entitled to the same offers.
How to Obtain Your Black Gold Card
Personal Card: You will be entitled to apply for a Black Gold Card at any Industrial Bank outlet with your proof of identity provided that the sum of the financial assets in all of your personal Industrial Bank accounts has a daily average of at least RMB 1 million Yuan or the equivalent. You can also choose to use the number of your original card as your Black Gold Card.
Family Cards: You will be entitled to apply for a Black Gold Card for each registered family member at any Industrial Bank outlet with your proof of identity and the identification of family members provided that the mean average of the family's total financial assets (daily average) in the Industrial Bank is at least RMB 800,000 Yuan or the equivalent for each family member.
In the event that the total financial assets of your family members averages at between RMB 250,000 Yuan and RMB 800,000 Yuan, the main applicant can still apply for a personal Black Gold Card provided that after RMB 250,000 has been deducted for the other family members (the amount needed for a platinum card), the remaining total sum is at least RMB 800,000 Yuan.
How to Obtain Your Platinum Card
Personal Card: You will be entitled to apply for a Platinum Card at any Industrial Bank outlet with your proof of identity provided that the sum of the financial assets in all of your personal Industrial Bank accounts has a daily average of at least RMB 300,000 Yuan or the equivalent. You can also choose to use the number of your original card as your Platinum Card.
Family Cards: You will be entitled to apply for a Platinum Card for each registered family member at any Industrial Bank outlet with your proof of identity and the identification of family members provided that the mean average of the family's total financial assets (daily average) in the Industrial Bank is at least RMB 250,000 Yuan or the equivalent for each family member.
In the event that the total financial assets of your family members averages at between RMB 80,000 Yuan and RMB 250,000 Yuan, the main applicant can still apply for a personal Platinum Card provided that after RMB 80,000 has been deducted for the other family members (the amount needed for a gold card), the remaining total sum is at least RMB 250,000 Yuan.
How to Obtain Your Gold Card
Personal Card: You will be entitled to apply for a Gold Card at any Industrial Bank outlet with your proof of identity provided that the sum of the financial assets in all of your personal Industrial Bank accounts has a daily average of at least RMB 100,000 Yuan or the equivalent. You can also choose to use the number of your original card as your Gold Card.
Family Cards: You will be entitled to apply for a Gold Card for each registered family member at any Industrial Band outlet with your proof of identity and the identification of family members provided that the mean average of the family's total financial assets (daily average) in Industrial Bank is at least RMB 80,000 Yuan or the equivalent for each family member.
How to Obtain Your Silver Card
You can apply for your Silver Card at any Industrial Bank outlet with valid proof of identification.
The term total financial assets mentioned above includes: savings accounts in RMB and foreign currencies, certificated bonds, open-ended funds (agency), trust products, first installment for a mortgage loan as well as Wanhuitong(WHT) and Wanglibao(WLB) RMB/Foreign currency wealth management products.