Service for:
Debit Cardholders with VIP Points
VIP Points Accumulation Rules:
1. VIP value-added service points (also known as “points”) are accumulated on a monthly basis. If your average monthly rated assets in our bank are equal to or exceed 100,000 RMB, you are eligible to accumulate points for that month. Points will be credited to your account at the beginning of the following month (before the 8th of each month).
2. You will accumulate one point in the subsequent month for every 50,000 RMB in financial assets you hold with our bank. Amounts less than 50,000 RMB will not qualify for point accumulation.
VIP Points Usage and Deduction Rules
1. You may use these points to redeem various VIP value-added services within the validity period of your VIP points. The point redemption standard for each service is specified below, with detailed service content available in their respective descriptions.
2. VIP value-added service points are exclusively intended for the use of our bank's VIP value-added services and are not applicable for other purposes.
3. Effective June 1, 2021, the deduction standard for airport VIP service points has been revised from 300 points per visit to 100 points per visit. Regarding the accompanying guest policy, Diamond and Black Gold level customers are entitled to bring up to 2 guests per visit. Platinum-level customers may bring 1 guest per visit. On the other hand, Gold and lower-level customers are not permitted to have accompanying guests. The deduction standards for accompanying guests mirror those of the account holder, i.e., 100 points per guest per visit.
4. Points or counts will be deducted upon successful booking for services requiring reservations. If you find the need to cancel a reservation due to special reasons, please do so within the specified time limit for each service. Points or counts deducted for reservations not cancelled within the stipulated timeframe will not be refunded.
5. In cases where your available points balance exceeds 0 but is insufficient for a single service deduction, you are allowed a one-time overdraw for services obtained through card swipe. It is important to note that overdrafts are not permitted for other services. Moreover, overdrawing will temporarily result in a negative point balance. Overdrawn points will be deducted first when new points are accumulated. If you wish to opt out of overdraft privileges, please contact our bank at 95561 to disable this feature.
*If your point balance is zero or negative, you will temporarily be unable to redeem VIP value-added services using points.
About VIP Points
| Service Category | Points Required Per Occasion (Points/Visit) | |
| Appointment Registration | 50 | |
| Medical Guidance | 100 | |
| Dental Cleaning | 200 | |
| Health Checkup | Premium Package | 800 |
| Preferred Package | 500 | |
| Specific Examinations (Cardiovascular, Thyroid, Women’s Health, Gastrointestinal) | 300 | |
| Airport VIP Lounge | 100 | |
*Note: Health checkups and dental cleaning services are limited to one use per person per year. Diamond and Black Gold level customers may transfer these services, while other levels are restricted to personal use only.
1. Points Expiration Rule
VIP value-added service points are valid for one year. Points accumulated for a year will automatically expire at the end of April and October each year.
2. Points Inquiry Methods
You can check your VIP value-added service points through personal online banking, mobile banking, financial self-service machines, or by consulting with your client manager or wealth manager. Alternatively, you can call Industrial Bank's nationwide customer service hotline at 95561.
3. Additional Information
Within the scope allowed by law, Industrial Bank reserves the right to modify the VIP value-added service points' accumulation and redemption rules as well as the right to interpret these points.