Best ICBC Credit Cards in Hong Kong

Updated August 2019

Choosing a credit card that best fits you is overwhelming, but MoneySmart.hk will help you pick out a good ICBC credit card to complement your spending habits.

Popular ICBC Credit Cards

ICBC Global Travel Platinum MasterCard

HK$250,000

Min. Annual Salary

0.5%

Cash back on local spend

HK$6 = 1 mile

Miles Conversion (local spend)

Key Features

  • Cardholders enjoy the flexibility to choose between Mileage Rewards or Cash Rebate
  • Even Octopus Automatic Add Value Service enjoys rebate
  • New customer can enjoy HK$150 free credit card spending limit

Annual Interest Rate and Fees

Annual Interest Rate36.76%
Principle Annual FeeN/A
Supplementary Annual FeeHK$950
Fee WaiverN/A
Minimum Monthly RepaymentHK$50
Interest Free PeriodUp to 55 days

Minimum Income Requirements

Local ResidentHK$250,000
ForeignerHK$0

Other

Card AssociationMasterCard
Wireless PaymentN/A
ICBC Horoscope UnionPay Dual Currency Diamond Card

HK$250,000

Min. Annual Salary

1%

Cash back on local spend

N.A.

Miles Conversion (local spend)

Key Features

  • Customised card face
  • Unlimited cash rebate
  • Online utility payments are counted as eligible transactions

Annual Interest Rate and Fees

Annual Interest Rate31.89%
Principle Annual FeeHK$1,000
Supplementary Annual FeeHK$500
Fee WaiverYes
Minimum Monthly RepaymentHK$50
Interest Free Period55 Days

Minimum Income Requirements

Local ResidentHK$250,000
ForeignerHK$0

Other

Card AssociationUnionPay
Wireless PaymentUnionPay
ICBC | LINE FRIENDS Visa Signature Card

HK$250,000

Min. Annual Salary

0.5%

Cash back on local spend

N.A.

Miles Conversion (local spend)

Key Features

  • Limitless cash rebate
  • Cash rebate will be credited to cardholder's account every month automatically
  • 5% shopping discount at LINE FRIENDS store Hong Kong on selected days of every month

Annual Interest Rate and Fees

Annual Interest Rate31.89%
Principle Annual FeeHK$1,800
Supplementary Annual FeeHK$900
Fee WaiverYes
Minimum Monthly RepaymentHK$50
Interest Free Period

Minimum Income Requirements

Local ResidentHK$250,000
ForeignerHK$0

Other

Card AssociationVisa
Wireless PaymentVisa payWave
All results loaded

Best ICBC Credit Cards in Hong Kong 2019

CREDIT CARDMINIMUM INCOMEBENEFITS
ICBC Visa Signature CardHK$250,0001.5% cash rebate plus buy-1-get-1-free hotel buffet offer
ICBC UnionPay Dual Currency Diamond CardHK$250,0000.5% cash rebate
ICBC Greater Bay Area Dual Currency Diamond CardHK$250,0000.5% cash rebate and 3X spending rewards for overseas transactions
ICBC Greater Bay Area World MastercardHK$250,0000.5% cash rebate and 3X spending rewards for overseas transactions
ICBC LINE FRIENDS Visa Signature CardHK$250,0001% cash rebate on LINE FRIENDS Store Hong Kong & 1.5% cash rebate on overseas spending

ICBC Credit Card Promotions

  • Up to HK$1,300 discount for selected travel plans with CTS. 
  • Up to 25% discount for selected health check up plans at Adventist Health.
  • Exclusive “I Go” merchant offers up to 20% discounts.

What Makes ICBC Credit Cards Stand Out

ICBC Visa Signature Card

ICBC Visa Signature Card offers you with unique pet privileges such as instant 10% discount upon HK$300 or above purchase and exclusive packages at Waylun online shop. You can also enjoy numerous buy 1 get 1 free discounts such as complimentary adult dinner buffet offer at Grand Hyatt and Hyatt Regency Hong Kong. In addition, you can enjoy a 0.5% cash rebate when purchasing via ICBC Visa Signature Card.

ICBC UnionPay Dual Currency Diamond Card

UnionPay Dual Currency Diamond Card allows you to maintain both HKD and RMB accounts in one card, so you can enjoy the waiver of foreign exchange fee seamlessly. You can also enjoy the personal concierge service such as travel insurance, entertainment and dining recommendations and unsurpassed golf privileges via ICBC UnionPay Dual Currency Diamond Card.

ICBC Greater Bay Area World Mastercard

You can enjoy a list of exclusive privileges using the ICBC Greater Bay Area World Mastercard, which includes a 15% discount on Airport Concierge Service, 10% rental discount and upgrade privilege with Hertz Car and 20% off for Cotai Water Jet city route.

ICBC Credit Card Rewards

  • ICBC Visa Signature & ICBC Horoscope Card: Up to 1.5% cash rebate on overseas spending.
  • Other ICBC credit cards: 0.5% cash rebate on local/overseas spending
  • ICBC Visa Signature, UnionPay Dual Currency DIamond Cards, World Mastercards and Platinum Cards: 3X Overseas spending rewards

How to apply for ICBC credit card

#1

Eligibility Criteria

There is a requirement on the minimum annual income of HK$250,000 for applying for ICBC credit cards.

#2

Documents Required

You will need to have the HKID, residential address proof within the latest 3 months, bank statement, and the latest profit tax demand note or the latest month’s bank statements to apply for ICBC credit cards.

#3

Application Process

The application process of the ICBC credit cards is rather straightforward. You can go directly to the personal internet banking page to finish the applicant statement, then you will be required to enter personal information, confirm your information online and submit your application.

Frequently Asked Questions

What are the offers of Visa Signature card?

Visa Signature card has a wide range of offers all year around. When paying with Visa Signature card, you can enjoy up to HK$600 off on designated Japan flight bookings with Cathay Pacific. You can also have an exclusive discount on dining or catering services. For example, you can joy 20% discount for venue booking during afternoon tea session at Maison ES and 25% on lunch and dinner at the Holiday Inn Golden Mile Hong Kong.

What are the benefits of dual currency credit cards?

Dual currency credit cards allow you to transact in two different currencies, therefore, avoiding extra charges for transaction in either currency. Also, you can enjoy the free VIP lounge service at over 1000 global airports and high-speed railway stations when logging on the Dragon Pass. The dual currency credit cards also offer 3X spending rewards for any eligible overseas spending.

How to apply for ICBC Digital credit card?

Applying for an ICBC Digital credit card is simple. Just follow the few steps below:

  1. Select and apply for a UnionPay credit card product at ICBC (Asia)’s official website or through the mobile app
  2. Verify your details for customer authentication Steps
  3. Choose to apply for the UnionPay Dual Currency Greater Bay Area Virtual Digital Credit Card

How do you check the application status of an ICBC credit card?

To check the application status, you can call the 24-hour customer service hotline: +852 2189 5588. You can choose your preferred language by pressing #1 for Cantonese, #2 for Mandarin and #3 for English. After selecting your preferred language, then you can press #6 for credit card related service. After that, you can press #3 to check about the application status.

How long will my ICBC credit card take to get approved?

It usually takes up to 3 weeks to get the approval for the ICBC credit card application.

What is the ICBC Credit Card hotline number?

For lost or stolen credit cards, you can call the 24-hour lost card reporting hotline: +852 2189 5588. For other enquiries, you can call the 2-hour customer service hotline: +852 2189 5588.