IB Debit Cards

Unbounded Debit Card

1: Overview

The Unbounded Debit Card is a specifically tailored debit card by IB for a young clientele. This card features a fully transparent design and is part of both China UnionPay’s “unbounded card” and the IB “Agency Trust Service Card” products. Cardholders not only enjoy various fee reductions offered by IB but also exclusive preferential rights and benefits provided by China UnionPay's “Digital Life Bonus” interests.

2: Card Face

Unbounded Debit Card

3: Preferential Rights and Interests

There is no fee charge for the first 3 inter-bank ATM withdrawals per month in Chinese Mainland.

There is no fee charge for the first 3 inter-bank ATM withdrawals per month outside the Chinese Mainland.

There is no fee for the “Smart Messenger” message service.

Free issuance of Proof of Deposit/Permit for Carrying Foreign Exchanges.

By participating in China UnionPay’s “Digital Life Bonus,” you can receive gifts for exceeding a certain amount in card swiping and obtain insurance coverage for card fraud losses.

4: Application Channels

An application can be made over the counter at IB branches or via online channels.

New Citizen Card

1: Overview

The New Citizen Card is an exclusive debit card product issued by IB for a large customer base of new urban residents, including migrant workers and flexible employment groups. This card belongs to China UnionPay’s “Rural Revitalization” products. Cardholders not only enjoy various fee reductions offered by IB but also exclusive preferential rights and benefits provided by China UnionPay.

2: Card Face

New Citizen Card

3: Preferential Rights and Interests

There is no fee charge for the first 20 inter-bank ATM withdrawals per month in Chinese Mainland.

There is no fee charge for the “Smart Messenger” message service.

You can enjoy China UnionPay’s “Rural Revitalization” exclusive preferential rights and interests for free.

4: Application Channels

An application can be made over the counter at IB branches or via online channels.

Jingzi Card

1: Overview

The Jingzi Card is an IB debit card issued to employees of enterprises that adopt a payroll payment system. The issuance of this card is free. The cardholder is entitled to enjoy multiple exclusive preferential benefits.

2: Card Face

Jingzi Card

3: Preferential Rights and Interests

▪There is no charge for the annual fee, account management fee, card fee, or “Smart Messenger” message service fee.

▪There is no fee charge for intra-bank transfers (intra-city and inter-city alike) via IB counters or ATMs in the Chinese Mainland.

▪There is no fee change for intra-bank transfers (intra-city and inter-city alike) via online banking.

▪There is no fee charge for inter-bank transfers (intra-city and inter-city alike) via the IB Mobile Banking App.

▪ There is no fee charge for the first 5 inter-bank ATM withdrawals per month in the Chinese Mainland.

4: Application Channels

An application can be made over the counter at IB branches or via online channels.

Bee Card

1: Overview

The Bee Card is a debit card specifically designed for teenagers by IB.

2: Card Face

Bee Card 1（Boy’s Version）

Bee Card 2 (Girl’s Version)

3: Preferential Rights and Interests

▪There is no fee charge for the first 3 inter-bank ATM withdrawals per month in the Chinese Mainland.

▪There is no fee charge for inter-bank RMB transfers via IB’s electronic channels.

4 Application Channels

An application can be made over the counter at IB branches or via online channels.

Agency Trust Service Card

1: Overview

The Agency Trust Service Card is a debit card product exclusively issued to client groups with cross-border financial needs, such as those involved in overseas tourism, international education, cross-border labor service, and global asset allocation. This card requires no annual fee and incorporates all the functions of IB’s IC debit cards. Cardholders are entitled to enjoy various exclusive preferential benefits during the preferential period.

2: Card Face

                  

            Regular Agency Trust Service Card             DIY Agency Trust Service Card (effect picture)

Clients can freely choose between two options: the regular card face (Regular Agency Trust Service Card) and the customized card face (DIY Agency Trust Service Card). The latter requires the client to upload a picture, after which the AIGC service will use it to generate the card face.

3: Preferential Rights and Interests

The benefits enjoyed by the cardholder during the preferential period include:

1.50% discount on the transaction fees for currency exchange.

2.Free of charge for the first 30 cross-border wire transfers, with transaction fees and telegraphic fees waived.

3.Free of charge for converting foreign currency cash to foreign currency exchange.

4.Free of charge for the first three withdrawals from overseas UnionPay ATMs each month.

5.Free of charge for issuing deposit certificates/ Foreign cash carrying certificates.

6.Free of charge for SMS notification.

Notes:

1.The transaction fees for currency exchange refers to the difference between Bank Selling Rate / Bank Buying Rate and the intermediate Rate. Intermediate rate refers to the average of Bank Selling Rate and Bank Buying Rate.

2.The transaction fees for cross-border remittances mentioned above refer to fees charged by ClB according to the standards listed on our official website and do not include any fees that overseas banks may change.

3.If you choose to use the full-amount arrival service for cross-border foreign exchange remittances (SWIFT GO, 50 RMB per transaction) when making cross-border foreign exchange remittances, the overseas bank will no longer charge fees under this service.

4.The fee for converting foreign currency cash to foreign currency exchange is calculated as follows: Foreign Currency Cash to Exchange Fee = Cash Amount × (Bank Foreign Currency Exchange Selling Rate - Bank Foreign Currency Cash Buying Rate).

5.CIB waives transaction fees for the first three withdrawals from overseas UnionPay ATMs each month, and the actual charges are subject to the information displayed on the ATM.

6.The above promotional activities are available from July 1, 2024 to June 30, 2025.

4: Application Channels

An application can be made over the counter at IB branches or via online channels.

Private Banking Diamond Debit Card

1: Overview

The Private Banking Diamond Debit Card is an IB debit card product exclusive to private banking client groups. This card belongs to China UnionPay’s range of debit card products.

2: Card Face

  Private Banking Diamond Card (Starry Version)    

Private Banking Diamond Card (Galactic Version)

3: Application Channels

An application can be made over the counter at IB branches or via online channels.

Elderly Bliss Card

1: Overview

The Elderly Bliss Card is exclusive to clients of IB’s “Elderly Bliss Life” product, serving as the carrier of its elderly care financial services. With the Guest-Greeting Pine of Mount Huangshan as the main design element on its face, this card embodies IB’s philosophy of paying respect to clients and providing sincere service, expressing good wishes for health and longevity for elderly clients. This card comes in two types: silver and gold.

2: Card Face

   

Elderly Bliss Card (Sliver)                 Elderly Bliss Card (Gold)

3: Preferential Rights and Interests

The exclusive privileges of the Elderly Bliss Card include no charges for the IC card fee, the “Smart Messenger” Message Service fee, the first 3 withdrawals per month at ATMs outside the Chinese Mainland, and the first 10 withdrawals per month within the Chinese Mainland (all of the aforementioned benefits are available until June 30, 2024).

4: Application Channels

An application can be made over the counter at IB branches.