In order to further improve the medical insurance payment business and meet the service needs of the insured units and personnel, ICBC Hainan Branch successfully launched a new peony health card payment business in early June of 20 10.
Peony Health Card is a magnetic stripe card of UnionPay brand quasi-credit card, which is specially used to pay medical insurance benefits. This card is issued to people from Hainan who participate in medical insurance in the local social security bureau, and they are over 18 years old (inclusive).
Peony health card has the following characteristics and advantages: first, it is free of annual fee; Second, medical insurance premiums are recorded in real time, and there is no need to queue up at outlets; Third, there is no handling fee for ATM deposits and withdrawals of Hainan ICBC; The fourth is to provide free SMS reminder service and personalized confidential optional service for balance change; Fifth, you can spend by credit card, enjoy all the benefits of ICBC credit card consumption points, and you can also exchange air miles, annual fees, exquisite gifts and so on.
The main card has an annual fee, a general card fee and a gold fee.
Supplementary card annual fee, general card fee, gold card fee.
Interest-free period (from billing date)
Revolving credit interest (daily interest)
Minimum repayment ratio
Prepaid cash expenses (local counterparts)
be free of charge
Overpayment of recovery fee (local peers)
be free of charge
Minimum percentage of overrun fee or maximum USD or USD of overrun fee.
The minimum late payment fee is RMB and the maximum late payment fee is RMB.
SMS notification fee is free.
There is no handling fee for card replacement in advance.
Fee for supplementary statement: RMB.
Loss reporting fee
Free annual fee rule: the annual fee of the main and auxiliary cards can be exempted when the accumulated credit card spending of the foreign currency account reaches RMB or RMB in the current year.
Integral mode
Consumption yuan RMB integral
Credit card discount inquiry
Cafe
Basic information
Name of Credit Card China Industrial and Commercial Bank Peony Healthy Life Card Issuer UnionPay
Issuing bank ICBC currency RMB
Grade gold card, Puka valid year.
Consumption rules
Consumption verification mode signature signature+password
Revolving credit interest (daily interest)
Interest-free repayment period (from the bookkeeping date)
Integral mode
Consumption yuan RMB integral
Repayment rules
Minimum repayment ratio
Bank deposit fee in different places
Rmb is charged at% of the amount, with the lowest RMB and the highest RMB.
RMB repayment method
Atm repayment
Automatic repayment cardholders can register automatic repayment business in online banking. The cardholder can register the personal settlement account opened by ICBC as a transfer-out account. ICBC will automatically deduct money from the transfer-out account before the monthly repayment date to repay the peony card.
Telephone bank transfer and repayment dialing can realize the cardholder's repayment of peony credit card overdraft in the same regional account.
Online Bank Transfer Repayment If the cardholder is an ICBC online banking customer, he can repay at any time through the online bank transfer function.
Foreign currency repayment method-
Characteristic repayment method
Minimum repayment ratio%
Value-added concession
Card characteristics
This product has all kinds of financial service functions of peony quasi-credit card/peony dual-currency credit card, and enjoys preferential services from merchants of industrial and commercial banks all over the country, as well as relevant preferential services provided by joint institutions for this product.
Other rules
The way to report the loss is telephone banking.
Report the loss manually by telephone banking.
Before reporting the loss of the card, the bank will stop the business handled by the account, such as cash withdrawal. After the loss is reported, the bank will stop the business handled by the card, such as ATM cash withdrawal and POS consumption. After reporting the loss through telephone banking, Peony Credit Card and Peony Credit Card will report the loss for a long time. After reporting the loss, the customer needs to report the loss in writing at the Peony Card Center of ICBC, and then apply for a replacement card.
Card opening method-
How to cancel the account? Puka can apply for account cancellation through telephone banking at the outlets that can handle this business.
Free service hotline
Application conditions
Individuals who have reached the age of one year, have full capacity for civil conduct, work in a card issuing institution and have a stable income and a fixed residence may apply to China Industrial and Commercial Bank for a Peony Card.
application for insurance
Business outlets apply for on-site service of credit card specialists.
Application for submission of materials
Copy of the applicant's ID card of the main card and the deputy card. The necessary ID card refers to the resident ID card, military officer's card, police officer's card of the armed police, Hong Kong and Macao residents' pass to and from the mainland, and Taiwan Province compatriots' pass to and from the mainland.
Copy of work certificate, such as work permit, original work certificate issued by work unit, copy of professional qualification certificate and copy of professional title.
If you provide a copy of ICBC's wealth management account or a copy of a diploma or degree certificate with a master's degree or above, your card processing process will be accelerated. For applicants working in companies and enterprises, it is generally required to provide copies of their real estate license, real estate license, public housing lease agreement or public housing purchase agreement, housing loan contract and other materials.
In order to process your application as soon as possible and obtain an accurate credit limit, please provide the following financial supporting documents, such as the income certificate of the payroll recording unit issued by the bank, the income tax and withholding certificate, the driving license of your own car, the time deposit certificate of ICBC and other materials.
Maximum number of supplementary cards to apply for
Supplementary card application conditions must be immediate family members and the age requirement is over one year old and under one year old.
Card information
annual fee
The main card has an annual fee, a general card fee and a gold fee.
Supplementary card annual fee, general card fee, gold card fee.
Free annual fee rule: the annual fee of the main and secondary cards can be exempted when the accumulated credit card spending of the foreign currency account reaches RMB or RMB in the current year.
Annual fee collection time
Cash Prepayment Fee > > Credit Card Prepayment Fee Calculator
Local peer cash withdrawal fee
be free of charge
Local inter-bank cash withdrawal fee
Cross-bank ATM cash withdrawal RMB/transaction
Peer withdrawal fee in different places
Rmb is charged at% of the amount, with the lowest RMB and the highest RMB.
Foreign currency is charged at% of the amount, including the lowest Hong Kong dollars or Macao dollars or US dollars or euros at home and abroad, and the remaining foreign currency accounts are charged at the lowest US dollar equivalent foreign currency.
Inter-bank cash withdrawal fee in different places
Yuan/transaction, charged at% of the amount.
Overseas unionpay cash withdrawal fee
The minimum RMB/maximum RMB/transaction is charged at%+RMB of each cash withdrawal amount.
Overseas non-UnionPay cash withdrawal fee
There is no such service.
This service is not available for overseas emergency cash withdrawal fees.
One-day withdrawal limit
Renminbi account
There is a foreign currency account abroad.
Recover the overpaid handling fee >> Credit card overpayment recovery fee calculator
Local counterparts get back the handling fee
Local inter-bank recovery fee
be free of charge
Colleagues in different places get back the handling fee
be free of charge
Inter-bank return charge in different places
be free of charge
Overseas unionpay return fee
be free of charge
Overseas non-unionpay recovery fee
be free of charge
The provisions on ways to recover overpayments are free of charge.
operating outlay
SMS notification fee is free.
This service is not applicable to overseas emergency card replacement fees.
Handling fee for replacing/replacing damaged cards/replacing cards in advance.
Express fee yuan
Fee for supplementary statement: RMB.
Free of charge for reissue of statement: RMB/month/Peony Platinum Card for two months excluding the previous statement.
Loss reporting fee
The fee for resetting the password letter is free.
The cost of making a personal card is zero.
The foreign exchange handling fee is 0.00% of the transaction amount.
The handling fee for reading the original domestic purchase order is RMB.
The handling fee for reading copies of domestic purchase orders is RMB.
There is no such service for reading the original foreign purchase order.
There is no service to access copies of foreign purchase orders.
Other expenses >> Credit card late payment calculator >> Credit card overdraft calculator
A late fee of 500% of the unpaid minimum repayment amount; Minimum 1 yuan; Highest 500 yuan
Minimum percentage of overrun fee or maximum USD or USD of overrun fee.
Arbitrary installment payment
Issuer: Industrial and Commercial Bank of China.
Minimum consumption amount yuan
The handling fee is paid in lump sum.
Number of installments: 3%
6 issues%
Nine issues%
12%
18 period%
24 issues%
The installment fee paid in one lump sum before the prepayment is required will not be refunded.
The credit line occupies the specified amount of the total installment, and the amount is paid in installments according to the monthly repayment amount.
Installment points stipulate that all points are given at one time.
Application method of installment payment
Call to apply for installment from the day after consumption to working days before repayment date.