ICBC Healthcare credit card targets at people working in various healthcare institutions throughout the country, such as hospitals, community healthcare centers, professional medical institutions, medical research organizations, and health oversight agencies, etc. Equipped with exclusive value-added healthcare rights and benefits, and the Bank’s diversified promotional activities, the Card is designed to provide a full spectrum of financial services and supports for tens of millions of healthcare workers, construct a value-added rights and benefits system facing healthcare workers, and penetrate the Bank’s concept of benefiting people's livelihood by financial services into healthcare fields.
★ Card design
ICBC Healthcare Credit Card (hereinafter referred to as “Healthcare Card”) is a personal credit card issued by a “1+1” style, i.e. a UnionPay single-logo RMB card (magnetic stripe + PBOC contactless chip) and a VISA single-logo multiple-currency card (magnetic stripe + EMV contactless chip) e. The Healthcare Card is divided into two grades, platinum and gold, with 8 years of validity.
★ Detailed benefits
Healthcare Card holders enjoy such various featured benefits as exclusive benefits, financial benefits and brand benefits, etc., accompanied with promotional activities on the ICBC’s diversified platforms.
I. Exclusive Benefits
i. Travel benefits – Didi gift packs
Healthcare card holder has opportunity to enjoy a DiDi gift pack of RMB50 (including five coupons for DiDi Express of RMB10) as long as he/she successfully applies for the Card, activates it and makes no less than ten payments for consumption with it each month. Only 2,000 coupons will be awarded on a “first come, first served” basis each month, and only one gift pack is available for one customer each month.
ii. Consumption benefits - exclusive 6% cash-back for spending on holidays
Healthcare card holders can enjoy 6% cash-back for spending on three special days, i.e., National Doctors’ Day (March 30), International Nurses Day (May 12), Thanksgiving Day (the 4th Thursday in November) every year. The maximum daily cash-back for one holder is RMB100.
iii. Gourmet benefits – Two for one for five-star hotel buffets
Healthcare card holders have chances of getting two for one for five-star hotel buffets as long as his/her total amount of consumption in a month reaches RMB1,500. Each benefit includes 12 two for one buffets. Only 1,000 benefits are available every month on a “first come, first get” basis. The Bank will send a redemption serial number the exchange code via SMS next month. This benefit requires 24h reservation in advance. Customers can call the customer hotline at 4006368008, and a confirmation SMS and serial number will be sent, only the card holder can make the reservation.
Each customer can only get the buffet benefit once per one nature year. The period of validity of the benefit is 1 year. The buffet benefit covers totally 80 holes located in 35 cities throughout the country (including Ritz Carlton, Marriott, Shangri-La, Westin, Sheraton, InterContinental, Le Méridien Etoile and Sofitel, etc.).
II. Financial Benefits
i. Annual fee waiver
Healthcare card holders can enjoy exclusive annual fee policy. Platinum card holders enjoy free annual fee in the first year since the card is issued; and enjoy half annual fee from the second year on.
ii. Account security insurance
The account security insurance will be granted once the card holders activate the card and make one payment for consumption. The coverage for simplified platinum card and gold card is respectively RMB50,000 and RMB20,000. During the insurance period, if your ICBC credit cards are lost, stolen, copied, or you are coerced to give your ICBC credit cards to someone else to use, or disclose the bank card number and password to others, resulting in your funds in the account stolen or transferred to others through counter-based services, ATM, POS or online banking, causing you financial loss within the insurance period, the insurance company will make up for your loss in the transactions made in 72 hours before loss reporting. After expiry of the benefits, the announcements on latest activities published on the Bank’s official website shall govern.
iii. Zero handling fees for currency exchange
Currency exchange is not charged for overseas consumptions using VISA Healthcare cards. The card is available in 10 currencies, namely US Dollars, Euro, Hong Kong Dollar, British Pound, Japanese Yen, Singapore Dollar, Canadian Dollar, Australian Dollar, Swiss Franc and New Zealand Dollar.
iv. Period of grace
The repayment grace period is 3 days, that is, the Healthcare Card holder will have 3 days as the repayment grace period. As long as the card holder pays off the bill within three days following the due day, it is still deemed as punctual repayment.
v. Short repayment allowed
The grace shortage for minimum repayment is RMB10. By the due repayment grace period date (due repayment date + grace period), when the unpaid portion of the minimum repayment amount for the last bill is less than or equal to RMB10, the Healthcare Card holder may be deemed to have paid the minimum repayment amount.
III. Brand Benefits
i. High-value insurance
1.Aviation accident insurance
Before December 31, 2017, you may enjoy RMB4 million value of aviation accident injury insurance provided by ICBC for free as long as you activate the Healthcare Card (platinum card), with no need for any formalities in advance.
2. Travel inconvenience insurance
Before December 31, 2017, the holders of Healthcare Cards (platinum card) may apply for insurance claims due to flight delay, baggage delay, or loss of luggage.
ii. Free airport VIP lounge
From the present day to December 31, 2017, the holders of ICBC platinum credit cards may use the VIP lounges at airports designated by ICBC by showing the Healthcare Card (platinum card), making the journey more noble and comfortable. After expiry of the benefits, the announcements on latest activities published on the Bank’s official website shall govern.
iii. RMB1 for airport parking
The holders of UnionPay Healthcare Cards (platinum card) may pay RMB1 with the cards for 2h or 48h parking service in parking areas of domestic designated airports or the UnionPay exclusive parking areas.
iv. Two days’ free Wi-Fi abroad
From the present day to December 31, 2017, the VISA card holders can enjoy 2 days’ exemption of Wi-Fi rental fee for booking no less than five days’ overseas Wi-Fi service at Uroaming.
v. Discounted global car rental
From the present day to December 31, 2017, the card holders can enjoy the minimum discount for car rental service provided by famous car rental companies (including Hertz and Top1 etc.).
vi. Three for two in high-end hotels
The holders of VISA Healthcare platinum cards can live in high-end hotels under Shangri-La, Hyatt, Banyan Tree and Wyndham for three nights by paying for rooms of only two nights. The holders of gold cards can enjoy one free night for stays of 3 nights in branded hotels under Wyndham. The holders of gold card may enjoy three for two in Wyndham Hotel under Wyndham Group.
vii. I Enjoy Miles
The Healthcare Card holders can participate in the exchange/purchase of air miles with bonus points on “I Enjoy Miles” of the ICBC e-Life APP.
viii. Zero handling fee for installment payment for prime goods
The Healthcare Card holders making payments for prime goods on the “ICBC Mall? Installments” can enjoy zero handling fee for installment payment.
ix. RMB88“ICBC e-Life” gift pack
From the present day to December 31, 2017, the Healthcare Card holders (and also new users of ICBC e-Life) can enjoy a gift pack of RMB88 by downloading and registering on “ICBC e-Life” APP. The gift pack includes various kinds of electronic coupons applicable for various consumption scenarios, including takeout coupons, admission ticket coupons, train ticket coupons, mobile phone recharge coupons and hotel coupons etc. The corresponding electronic coupons can be directly selected to offset the payment in “ICBC e-Life” APP.
IV. Platform Promotion
i. Gift packs to new customers
From the present day to December 31, 2017, new customers who have successfully applied for an ICBC credit card, activated and used it for at least three payments for consumption of no less than RMB66 each within 60 days after the card is issued can have access to the gift packs. The benefit is available only once for each customer, and first come first served. The gift pack is RMB66 cash-back or RMB88 electronic coupon of ICBC e-Life. If the electronic coupon of ICBC e-Life is selected, the qualified customers can, according to SMS prompts, sign up via the WeChat public account of “icbccards” within 3 days and download the “ICBC e-Life” APP to register to get the electronic coupon. RMB66 cash-back will be directly provided for customers not signing for the RMB88 electronic coupon. After expiry of the benefits, the announcements on latest activities published on the Bank’s official website shall govern.
ii. I Go Weekend
From the present day to December 31, 2017 (excluded), card holders can enjoy discounts at weekend for dining, shopping, watching movies, spending at supermarkets, convenience stores, and coffee/dessert shops at 10,000 merchants located in 500 business districts of 100 big cities across China. As for details about the stores, merchants and activity, please subscribe the WeChat public account of “icbccards”, and refer to “I want special offers”-“50% discount for “I Go Weekend”” and follow the “I Go Weekend” program. After expiry of the benefits, the announcements on latest activities published on the Bank’s official website shall govern.
From November 15, 2017 to February 28, 2018, customers may send sign up for the activity by sending an SMS reading “XYK8” to 95588 using the mobile phone number preserved at ICBC, or sending “XYK8” to ICBC Messenger via ICBC Link. After a confirmation SMS indicating successful signup is received, the personal credit card corresponding to the preserved mobile phone number can be admitted to the activity. After successfully signing up for the activity, the card holder can participate in the following four activities at the same time.
1. The card holder has the chance of getting 12% (RMB120) cash-back for every single payment of no less than RMB1,000 (or the equivalent in foreign currencies) for overseas offline consumption per month. Every card holder can have RMB120 cash-back at maximum every month (the monthly quota is 5,000 and first come, first get).
2. If you make 6 or more payments for overseas offline consumption of no less than RMB300 each within a month, there is a chance of getting 9% cash-back for any of the payments made during the month. Every card holder can have RMB300 cash-back at maximum every month (the monthly quota is 3,000 and first come, first get).
3. The card holder has the chance of getting 12% (RMB120) cash-back for every single payment of no less than RMB1000 (or the equivalent in foreign currencies) for overseas online consumption per month. Every card holder can have RMB120 cash-back at maximum every month (the monthly quota is 5,000 and first come, first get).
4. If you make 6 or more payments for overseas online consumption of no less than RMB300 each within a month, there is a chance of getting 9% cash-back for any of the payments made during the month. Every card holder can have RMB300 cash-back at maximum every month (the monthly quota is 2,000 and first come, first get).
iv. I Enjoy Mobile Data
From the present day to December 31, 2017, new customers applying for ICBC Healthcare Credit Cards can participate in the following activities:
1. Mobile data for payment for consumption. Card holders using UnionPay Healthcare Card have the chance to get 188M I Enjoy Mobile Data by making no less than RMB1,000 offline payment for consumption within a month; if the monthly offline consumption exceeds RMB3,000 (included), he/she shall have the chance to get 388M I Enjoy Mobile Data; if the monthly offline consumption exceeds RMB5,000 (included), he/she shall have the chance to get 588M I Enjoy Mobile Data.
2. Mobile data for activating UnionPay mobile credit card. Card holders using a Healthcare Card to activate its mobile credit card (including ICBC Apple Pay, ICBC Samsung Pay, ICBC Huawei Pay, ICBC Mi Pay and ICBC HCE Cloud Quick Pass) and make a payment for consumption of more than RMB100, he/she shall have the chance to get 100M mobile data.
Totally 600,000G I Enjoy Mobile Data are available on a “first come, first get” basis. Please refer to the “I Enjoy Mobile Data” in ICBC e-Life for more details.