Does anyone know ICBC's Universal Credit Card?

ICBC Cosmos Constellation credit cards are divided into three grades: simple platinum, gold and ordinary (only the first batch of gold cards are issued at present). The design of the card surface is the same, which is distinguished by the color of the base on the card side. Black is simple platinum, red is gold card and blue is ordinary card. Among them, Simple Platinum Card enjoys the rights and interests of VISA Platinum Card and UnionPay Platinum Card, and all the rights and interests of Platinum Card except airport VIP room, aviation accident insurance and travel inconvenience insurance.

Financial characteristic rights and interests

1, annual fee reduction

Anyone who successfully applies for the Star Constellation Card, whether it is a simple platinum card, a gold card or an ordinary card, is exempt from the annual fee within the validity period.

2. Time tolerance

If the repayment grace period is 3 days, it means that the constellation card holders will be provided with 3 days repayment grace period service. If the cardholder repays within 3 days, it is deemed that the cardholder repays on time.

Step 3 tolerate

The difference of the minimum repayment grace is 65,438+00 yuan. On the due repayment grace period (due repayment date+grace period), when the minimum repayment amount of the previous bill is less than or equal to 10 yuan, it can be regarded as the minimum repayment amount paid by the constellation card holder.

4, multi-currency free of foreign exchange fees.

Any consumption abroad is zero foreign exchange fee. The currency of the card is 10 foreign currency, including US dollar, Euro, Hong Kong dollar, British pound, Japanese yen, Singapore dollar, Canadian dollar, Australian dollar, Swiss franc and New Zealand dollar. When the VISA card network is used in the country or region corresponding to 10 foreign currency, it will be recorded directly in the corresponding currency without currency conversion, and the cardholder does not need to pay foreign exchange handling fees. When used in countries or regions other than 10 foreign currency, the foreign exchange handling fee is automatically exempted.

5. Account security insurance

Credit card account security insurance, as long as you activate the card and successfully spend 1, you can get a gift. The insurance coverage of simple platinum card, gold card and ordinary card is 50,000 yuan, 20,000 yuan and 5,000 yuan respectively. During the insurance period, you can apply for insurance compensation indefinitely, but the accumulated compensation amount does not exceed the insured amount. During the insurance period, if your Star Card or all other ICBC credit cards under your name are lost, stolen or copied, or you give your ICBC credit card to others for use, or disclose your bank card number and password to others, resulting in your ICBC credit card being stolen or transferred by others through bank counters, ATM machines, POS machines or Internet transactions, the insurance company will provide you with insurance compensation for the transactions 72 hours before the loss is reported.