Peony EMV Standard Credit Card is a smart chip card with all credit card functions as well as in accordance with EMV standard, which is based on the original Peony Credit Card Series and added chip media. ICBC was the first to issue EMV standard credit card in China, with global standards, which brought the most advanced and most secure product to the Chinese cardholders and led China's credit card into "Chip Era".

1. Double Medias of Chip and Magnetic Stripe
EMV card is a compound media card with both chip and magnetic stripe. The chip functions of the EMV card are applicable to domestic and overseas ATM, POS and bank counters which are in accordance to EMV standard; the magnetic stripe functions and usages are equivalent to that of the credit card.

2. Secure Protection, Intelligent Application
The use of the chip has brought tremendous improvement to the security of credit card information and add-value services. The chip card uses a chip with functions of operational independence, encryption and decryption and storage capacity. When the intelligent circuit detects any illegal reading of the card data, it will destroy the chip on its own to protect the card data, which greatly defuses the risk of card use.

3. Risk Aversion, Double Protection
If you use EMV credit card in nations or regions in which EMV transfer has not yet been completed, when there are losses caused by card stolen or information copied, you do not have to bear these losses, which provides more protection to your card use security.

4. Convenient Admissibility, Superior Enjoyment
Nowadays, the EMV card is a trend of bank card development, and European countries and Southeast Asian countries have first completed the EMV transfers. In these countries, you will enjoy the great convenience and security with EMV card consumption.

5. Convenient Payment, No Waiting
The EMV card could deal with small non-contact transactions, simplify payment procedures, and significantly save your waiting time.

6. Supporting Personalized Multi-application Platform
The EMV card has successfully integrated contact as well as non-contact chips on one card, supporting functions such as electronic purse, small payment, personal information management, points accumulation, and members management.

7. Other Functions
★Special annual fee treatment
★Overseas car rental treatment
★Consumption code option
★Flexible and sufficient credit
★Zero fee for local ICBC cash withdrawal and remote deposit
★Receiving deposit, withdrawal, and consumption in real-time
★Free real-time SMS for balance changes
★Providing revolving credit and 56 days interest-free repayment period as the longest
★Automatically repayment account agreement
★Domestic and overseas on-line shopping
★24hours on-line and telephone banking services
★Self-service amount transfer services
★Year-end financial clearing bill services
★Paper or electronic reconciliation services
★Applicable to domestic and overseas special companies and ATMs with logos of "VISA", "MASTERCARD"or"UnionPay"

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.