The disadvantage of ICBC's smart card is that it cannot be overdrawn and can only be used after saving money. ICBC's co-branded card is a debit card issued by Industrial and Commercial Bank of China. Users can use this card to apply for first-class and second-class cards. Icbc linkpass cardholders can deposit funds into their accounts and enjoy interest on demand deposits; You can also make a time deposit and enjoy interest. ICBC's smart cards are mainly used to facilitate customers' settlement, transfer and remittance and financial management.

Brief introduction of ICBC linkpass card

In daily life, debit cards, savings cards and credit cards are the most common types of bank cards that people hear. However, few people know the ICBC co-branded card. ICBC Smart Card is a debit card issued by ICBC. Mainly for users to better handle business, operate online transfer, personal settlement and so on. When a user applies for an ICBC (Express) card for the first time, a first-class card and a second-class card will be opened. The use of ICBC's smart cards is very similar to that of debit cards. However, cardholders need to know that ICBC smart cards can deposit foreign currencies such as US dollars, Japanese yen and British pounds, and cardholders can also use the cards to handle loan business.