ICBC Gold Card Customer Criteria

ICBC Wealth Management Gold Credit Card Credit Card customer standards: 1, age 18 years old or above, with full capacity for civil behavior; 2, income is relatively stable, the income level is above the local average wage level; 3, the work unit or fixed residence in the location of the card issuer.

In the case of the Wealth Management Gold Card, in addition to meeting the above criteria, you also need to fulfill:

ICBC customers with 3-month average daily assets (assets include deposits, treasury bonds, funds, stable profits, Zhuhai Union Currency Cooperative, etc.) of not less than RMB 200,000 (generally RMB 200,000, specific regional regulations may vary) can open an ICBC Wealth Management Gold Account by simply bringing a valid ID document.

After application, ICBC will review and approve the application based on the user's comprehensive conditions. The bank's star rating may play a role as a reference, but it is not the only criterion. The final result of the approval will also prevail. For white users who have never applied for ICBC savings card or credit card, it will be difficult to apply, which is why the threshold of ICBC credit card application is relatively high.

ICBC Wealth Management Gold Card Benefits:

I. Exclusive VIP access:

1. Exclusive VIP financial management center;

2. Green channel priority service;

3. VIP financial services in Hong Kong and Macau;

4. Exclusive VIP version of online banking;

5. Telephone banking VIP channel;

6. Emergency support services.

II. ICBC Gold Card exclusive fee concessions:

1. A number of fee waivers;

2. Special merchant discounts;

3. Free VIP magazine.

Exclusive financial products for ICBC Gold Card:

1. Fixed-income wealth management products;

2. Cash management financial products;

3. Domestic capital market wealth management products;

4. QDII products;

5. Structured products (QUANTO products or dual currency wealth management products).

IV. ICBC Gold Card Professional Account Management:

1. Centralized account management, one card with multiple functions;

2. Personalized automatic transfer;

3. Fixed deposits;

4. Accumulated Profit Deposit Program;

5. LiTianLi account;

6. Imprest Service;

7. Joint Account;

8.Bank Accounts;

9. Integrated Reconciliation Service.