Air China PhoenixMiles Credit Card (VISA Platinum Card)	Air China PhoenixMiles Credit Card (Master Platinum Card)
Air China PhoenixMiles Credit Card (VISA Gold Card)	Air China PhoenixMiles Credit Card (Master Gold Card)
Air China PhoenixMiles Credit Card (American Express Gold Card)	Air China PhoenixMiles Credit Card (China UnionPay Gold Card)
Air China PhoenixMiles Credit Card (VISA General Card)	Air China PhoenixMiles Credit Card (Master General Card)
Air China PhoenixMiles Credit Card (American Express General Card)	Air China PhoenixMiles Credit Card (China UnionPay General Card)

"Air China PhoenixMiles Peony Credit Card" is an aviation co-brand personal credit card jointly launched by ICBC and Air China Limited. The new credit card is available in four brands: the RMB credit card of China UnionPay, and the dual currency credit card of VISA, MasterCard and American Express. The currency combination is RMB+USD or RMB+Euro for the dual currency credit card of VISA and MasterCard, and RMB+USD for American Express.

"Air China PhoenixMiles Peony Credit Card" consists of three types based on different credit ratings: Platinum Card, Gold Card and General Card. Master card holders can apply affiliated card under the same brand for those who comply with ICBC's current card-issuing policy. 

"Air China PhoenixMiles Peony Credit Card" comes with all the functions of ICBC's Peony Credit Card and Air China's PhoenixMiles Card, adopting the one-card-two-number pattern (credit card number and PhoenixMiles membership number). Cardholders can enjoy a wide range of financial services, including credit consumption, transfer and settlement, cash deposit and withdrawal, etc., as well as the various rewards and services provided by Air China PhoenixMiles frequent flyer program.
 
1. Flexible Currency Options Enabling Your Global Travel
As the first domestic co-brand air credit card with Euro account, it offers you in addition to Air China's excellent international flight service, flexible currency combinations, such as Euro/RMB, or US Dollar/RMB, based on the country or region that you are going to visit, so as to save foreign currency exchange fee.

2. The First Domestic Abolition of Full Penalty
Cardholders can repay according to the minimum amount of repayment specified on the statement, and ICBC only charges the interest of the outstanding overdraft by 0.05% per day from the bank's accounting date and your repayment date, while the repaid part of the overdraft is interest-exempt as if in the interest-free period. But if the credit line is used for depositing cash or making transfer, interest will be charged based on the transaction sum starting from the accounting date. 

3. Easy Accumulation of Mileage and Favorable Point Reward
The bonus points earned every month (the consumption of every one Yuan contributes to one point, while that of every dollar or euro adds to the accumulation according to its equivalent value in RMB, excluding ICBC-specified transactions without bonus points) will be automatically converted to Air China mileage at 15 points to one km. All bonus points earned through the affiliated card are cumulated inside the master card. 

4. Multiple Mileage Accumulation
Clients can easily obtain more mileage (mileage earned through POS spending + mileage earned by flying Air China flights or flights operated by Air China partners) by using Air China PhoenixMiles Peony Credit Card to pay for air ticket or services.

5. Extra Traffic Accident Protection
When clients use Air China PhoenixMiles Peony Credit Card to pay for the total amount of their own expense of commercial transportation or 80% of the transportation expense of a tour group, an aviation accident insurance worthy of up to RMB 4 million will be rewarded to users of the Platinum Card, while the insurance is worth up to RMB 1 million for those of the Gold Card and RMB 500 thousand for those of General Card. (For more information, please read Air China PhoenixMiles Peony Credit Card Traffic Accident Insurance Service Manual(Chinese Version), Air China PhoenixMiles Peony Credit Card Aviation Accident Insurance Service Manual(Chinese Version), for those who apply for new card after December 1, 2009 (inclusive), the gold card holders and classic card holders with insurance expired in previous period, click and read Traffic Accident Insurance Service Manual (Chinese). For those who apply for new card after January 1, 2010 (inclusive) and the platinum card holders with insurance expired in previous period, click and read Aviation Accident Insurance Service Manual (Chinese)). 

6. Travel Inconvenience Insurance
Clients who use Air China PhoenixMiles Peony Credit Card to pay for the total amount of their own expense of commercial transportation or 80% of the transportation expense of a tour group will be rewarded a travel inconvenience insurance (including flight delay insurance, baggage delay insurance, and baggage loss insurance).

Insurance Amount for flight delay (over 6 hours): domestic—RMB500/time; overseas—RMB1000/time, annual accumulative total RMB 5000/year;　　

Insurance Amount for baggage delay (over 6 hours): domestic—RMB 200/time; overseas—RMB 500/time, annual accumulative total RMB 1000/year;　　

Insurance Amount for lost luggage(over 24 hours): domestic—RMB500/time; overseas—RMB1000/time, annual accumulative total RMB 5000 /year.

(For more information, please read Air China Phoenix Peony Credit Card Travel Inconvenience Insurance Service Manual,For those who apply for new card after December 1, 2009 (inclusive) and cardholders with insurance expired in previous period, click and read, Travel Inconvenience Insurance Service Manual (Chinese)).

7. Privileged Golf Reservation Service
Clients of Air China PhoenixMiles Peony Credit Card can all enjoy 1872 Golf 5S service, as well as discount (30-80%) of reservation at 200 domestic partner golf clubs with Air China, as well as favorable reservation service from 2,300 golf courses in 30 countries and regions.

（1）Golf Reservation Services
Clients can enjoy a 30-80% discount by making reservation at 200 domestic partner clubs;
Clients can enjoy discount by making reservations at 2,300 golf courses in 30 countries and regions;
Orders reserved from the service hotline 400-888-1872, the website www.1872.net, and wap.1872.cc cell phone Golf Highways will be processed with high priority.

（2）Golf Event Services
Prioritized participation in the 360 of 1872 all-year-round member events at favorable prices.

（3）Golf Information Services
Offer the free service of 1872 super-mail;
Offer the 1872 Life Magazine, only with the fee of cost production charged.

（4）Golf Suppliers Services
Clients can enjoy a 30-70% discount compared to the market price when purchasing gold supplies.
Clients are offered a comprehensive package of services including ordering, purchasing, physical object comparison and delivery through the service hotline 400 888 1872, the website www.1872.net as well as in chain outlets.

（5）Golf Tourism Services
Clients are offered 30 routes of domestic golf tourism;
More quality tourist routes are to be opened in 31 countries and regions;
Domestic and overseas routes of golf self-travel are specially designed catering to clients' various needs.

8. Travel Worldwide in Rented Cars
In China, holders of Air China PhoenixMiles Peony Credit Card (General Card) can enjoy Silver Card membership treatment from China Auto Rental, and those of Gold and Platinum Card can enjoy Gold Card membership treatment from China Auto Rental. Clients are offered 400 km of Air China free mileage for car rental with or without a driver for one day or above, and 200 km for less than one day (including half-day rental and airport pickup). For clients who purchase service of China Auto Rental for the first time, they are offered first-day zero rental fee with 400 km of Air China free mileage. Besides, all clients are offered a gift package worth of RMB 1000. (Car Rental Hotline: 400-616-6666)

Abroad, a 10% discount is offered by Hertz Car Rental to holders of Air China PhoenixMiles Peony Credit Card. For each effective car rental in the Asian region, clients are offered 400 km of Air China free mileage, and beyond Asia, 800 km. Clients can also apply membership of Hertz #1 Club with entrance fee exempt, and enjoy fast service in all Hertz stores! From now on till Oct. 31st, 2009, more favorable offers are available for car rental of or over 7 days at Hertz stores in the following countries:

Car rental in U.S.: 15% discount on the basis of "Hertz Special Offers".
Car rental in Europe: for car rental of at least 7 days, clients can enjoy a rental fee reduction of €20. It applies to compact cars or group cars.
For the above special offers, cardholders shall make reservation 24 hours ahead by calling Hertz Reservation Center Hotline: 400 888 1336.
ICBC Website: www.icbc.com.cn
ICBC 24-Hour Service Hotline: 95588
Air China PhoenixMiles Website: www.phoenixmiles.com
Air China PhoenixMiles Service Hotline: 4006-100-666

Note: Information provided on this page is for your reference only.  The specific details should be subject to the business operation process as well as the announcements and stipulations at your local bank outlet.ICBC reserves the right of final interpretation.