ICBC(Asia)-Credit Cards > Type of Cards > Personal Card > Visa Dual Currency Credit Card
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China Merchant Offers

Cardholder can enjoy exclusive dining, shopping and entertainment privileges with ICBC Visa Dual Currency Credit Card.

What's more, cardholders can also enjoy special discount and privileges from renowned hotel, restaurants, shopping arcade, etc. in more than 10 major cities of Mainland China, such as Beijing, Shanghai, Zhuhai and Shenzhen, etc.

Download ICBC credit card year round merchant offers

 

Renminbi / Hong Kong Dollar Accounts

Your ICBC Visa Dual Currency Credit Card has both Renminbi and Hong Kong Dollar accounts in one card: purchases and cash withdrawals via ICBC and UnionPay networks in Mainland China will be posted in Renminbi, so you won't have to pay extra money for overseas purchase handling fee for Renminbi; purchases and cash withdrawals via Visa network in Hong Kong, Mainland China and overseas will be posted in Hong Kong Dollars. It saves you from the risks and burden of carrying cash during outbound travels. Perfect for business, shopping and entertainment.

 

Extensive Network Worldwide Acceptance

In Mainland China, you can purchase through the three most welcomed networks of over several hundred thousands of merchants, namely ICBC, UnionPay and Visa. When traveling abroad, you can enjoy the boundless convenience of Credit Card transactions at Visa merchant locations worldwide.

 

Rewards Program

For every HKD/RMB 1 spent with your ICBC Visa Dual Currency Credit Card, you will receive 1 point. Accumulated bonus points can be redeemed for cash coupons or mileage. You can also choose cash rebate as spending rewards.

For every HKD/RMB 1 spent with the card you will be entitled to 0.5% cash rebate. (Cash Rebate for RMB spending will be converted into HKD at 1:1 conversion rate).  Rebate amount will be calculated on monthly basis, and shown in the next monthly statement.

Download Bonus point rewards program

Remarks:

Bonus point and Cash Rebate cannot be earned in respect of cash advances, balance transfer, cash installment loan and the repayment, tax loan and personal loan repayment, installment plan, donation, tax payment, purchase of casino chips, gambling transaction, credit card annual fee and all kinds of handling fees and financial charges and any unauthorized transactions.

 

Prestigious Privileges for Platinum Cardholder

Apart from enjoying Gold Card's features and benefits, ICBC Dual Currency Platinum Cardholders can exclusively enjoy a wealth of premium privileges and services

  • Visa 24-hour Concierge Services
  • Exclusively enjoy year round offers from Golf Clubs around the world.  For details, please visit http://www.visaplatinum.com
  • An extended spending bonus points validity
  • Dedicated 24-hour Platinum Card Customer Service Hotline (852) 2107 4107

 

Emergency Medical Protection in Mainland China

Principal Platinum and Gold Cardholders of ICBC Visa Dual Currency Credit Card will automatically enjoy The Medical Card1 worth of HK$600 from China Pacific Insurance. The policy entitles the Cardholder to emergency treatments at more than 1,000 key hospitals2 in Mainland China without prepaying deposits. Furthermore, you are entitled to other medical services such as hospital transfers and Hong Kong-bound post-treatment transportation.

1.
The Medical Card will be sent to Principal Platinum and Gold Cardholder within 3-4 weeks upon card activation. The Medical Card will be valid for 1 year. The service of the Medical Card will be suspended immediately upon the cancellation of ICBC Visa Dual Currency Credit Card. If Principal Platinum / Gold Cardholder is an existing Medical Card holder, China Pacific Insurance will provide the Cardholder a Personal Accident Insurance coverage of up to HK$260,000. The above information of the Medical Card is for reference only. Please refer to the terms and conditions in the insurance contract for details. The above medical insurance is provided by China Pacific Insurance (Hong Kong) Limited and ICBC (Asia) shall not hold any liability for the quality of the product.
2.

Key hospitals were administrated by the Health Bureau, the Health Department and the Ministry of Health P.R. China and Bureau of Medical Administration Health Department of the General Logistics Department of the People's Liberation Army of China. Please refer to the Terms & Conditions of your individual insurance policy for protection scope and limitations.

 

Managing Hong Kong and Mainland China Accounts with Free Roaming

The new Phone Banking Roaming Service gives customers 24-hour free access to account management. Customers in Mainland China dialing local number 95588 will be connected to Customer Service or Phone Banking Service of ICBC (Asia) Credit Card Centre. In Hong Kong, customers can contact our 24-hour Customer Service Hotline at 218 95588 to manage their ICBC accounts in Mainland China. This new service enables you to manage your accounts in both places flexibly without incurring IDD charges.


ICBC "Verified by Visa" Services

ICBC "Verified by Visa" Service provides a secure and easy way for customers to enjoy added protection when making purchases via the Internet. With ICBC "Verified by Visa" Service, you will assign a personal password and a personal alert message upon your preference. When you make on-line transaction, your identity will be authenticated then. From now on, you can enjoy on-line shopping with extra protection.

 

Financial Flexibility Between Hong Kong and Mainland China

Interest-free Repayment Period

ICBC Visa Dual Currency Credit Card provides Cardholders interest free repayment period so that you can purchase home and abroad with the maximum financial flexibilities

"24-hour Cash Advance"

With an ICBC Visa Dual Currency Credit Card at hand, you may obtain cash advances 24-hours a day at over several thousand ATMs3 in Hong Kong and Mainland China that carry the following signs:

Hong Kong

Mainland China

ICBC (Asia)

ICBC

JETCO

UnionPay

Visa

Visa

 

You can withdraw cash overseas through several thousand ATMs carrying the Visa sign. In addition, you may also make cash advances from your Credit Card account at more than 28,000 ICBC branches4 in Mainland China, 38 ICBC (Asia) branches in Hong Kong and all Visa Cardholder banks worldwide. For enquiries on your cash advance credit limit, please call our 24-hour Customer Service Hotline.

3.
In Hong Kong, cash advance limit is subjected to individual ATM. In Mainland China, cash advance is limited to a maximum of RMB 5,000 per day.
4. Applicable to all ICBC branches with savings office. Please contact ICBC branches for details.

 

Banking Services and Privileges

ICBC Cardholders will enjoy the many banking services and preferential treatments provided by ICBC (Asia). Please contact any ICBC (Asia) branch for details.

 

Credit Card Protection

In case of card loss or theft regardless of where you are, immediately report the incident to ICBC (Asia) Credit Card Centre 24-hour Lost Card Reporting Hotline at (852) 8106 0123. The liability of a Cardholder to the Bank for unauthorized use of the Card (but not in relation to any cash advances) prior to reporting shall be limited to a maximum amount of HK$500. But you must take reasonable steps to safeguard and protect your card. For details, please refer to the Credit Card Cardholder Agreement and the security advices provided by the Bank from time to time.

 

Visa Gold Card Emergency Support Service

Always be at ease as an ICBC Gold Cardholder. Should you encounter emergency situations when traveling in Mainland China and overseas, such as card loss, theft or other difficulties, call the local Visa 24-hour Emergency Toll-free Hotline for quick card replacement or other assistance.

 

Easy and Flexible Payment Methods

Whether you are in Hong Kong or Mainland China, easy and trouble-free settlement of your ICBC Visa Dual Currency Credit Card balance can be done through the following ways:

 

Settling RMB Card Account

Settling HKD Card Account
In Hong Kong
  • Remit payment in Hong Kong Dollars4 to Mainland China through ICBC (Asia) branches in Hong Kong or by PPS to arrange autopay from your HKD savings or current account held at any bank in Hong Kong. Remittance handling fee will be waived.
  • Make a crossed HKD cheque payable to "ICBC (Asia)" in Hong Kong Dollars and mail to P.O. Box 27, General Post Office, Hong Kong. Please write your credit card account number and mark with "Renminbi Payment" at the back of your cheque. Payment of your Renminbi balance will be in the form of a remittance4 and the handling fee will be waived. A separate cheque should be given for the payment of Hong Kong Dollars balance. ICBC (Asia) Credit Card Centre must receive your cheque 3 Clearing days1 before the "Payment Due Date".
  • Arrange transfer from ICBC account in Mainland China through Internet Banking Services5 (website: www.icbc.com.cn).
  • PPS
    Simply register your credit card with the PPS, you can then make the payment through a touch-tone phone or the PPS website. You can call 18011 for bill registration and 18031 for bill payment, or alternatively visit the website at www.ppshk.com. ICBC (Asia) merchant code is 9232. Payment cut-off time is 7:00pm from Monday to Friday (except public holiday). Please settle the payment at least 1 Clearing day1 before "Payment Due Date".
  • JET Payment
    You may make payment from your bank account held at any JETCO member bank through ATMs with JET Payment signage or JETCO website www.jetco.com.hk. Payment cut-off time is 7:30pm from Monday to Friday (except public holiday). Please settle the payment at least 1 Clearing day1 before "Payment Due Date".
  • Autopay2
    Just complete and return the enclosed "Autopay Authorization Form" by mail, and your credit card payment can be settled simply through your designated HKD savings or current account held at any bank in Hong Kong. Your designated account will be debited for the pre-set repayment amount 1 Clearing day before the "Payment Due Date". Please prepare sufficient fund 2 Clearing days before the "Payment Due Date".
  • Cash or Cheque
    You may arrange payment by cash or by cheque at any branch of ICBC (Asia). Please write a crossed cheque payable to "ICBC (Asia)" with your credit card number written on the back, and enclose with the payment slip from your statement and mail to P.O. Box 27, General Post Office, Hong Kong. Please send in your cheque payment at least 3 Clearing days1 before "Payment Due Date". Cash sent by mail or post-dated cheques are not accepted.
  • From ICBC (Asia) Account
    You can settle payment from ICBC (Asia) account at any branch of ICBC (Asia), or through JETCO ATMs, ICBC (Asia) Phone Banking Services or Internet Banking Services3.
In Mainland China
  • Settle payment via PPS.
  • Cash deposit in RMB at any ICBC branch in Mainland China.
  • Make a crossed cheque payable to "ICBC (Asia)" in Hong Kong Dollars and mail to P.O. Box 27, General Post Office, Hong Kong. Please write your credit card account number and mark with "Renminbi Payment" at the back of your cheque. Payment of your Renminbi balance will be in the form of a remittance4 and the handling fee will be waived. Please note that a separate cheque should be given for the payment of Hong Kong Dollars balance. ICBC (Asia) Credit Card Centre must receive your cheque 3 Clearing days1 before the "Payment Due Date".
  • Arrange transfer from ICBC RMB account in Mainland China through Internet Banking Services5(Website: www.icbc.com.cn).
  • Settle payment via PPS. ICBC (Asia) PPS Merchant Code is 9232. Please effect payment at least 1 Clearing day before the "Payment Due Date".
  • Arrange autopay3 from your HKD bank account in Hong Kong.
  • Arrange transfer from ICBC (Asia) Hong Kong Dollars account through "Phone Banking Roaming Service"6.
  • Make a crossed cheque payable to "ICBC (Asia)" in Hong Kong Dollars and mail to P.O. Box 27, General Post Office, Hong Kong. Please write your credit card account number at the back of the cheque and effect payment at least 3 Clearing days7 before the Payment Due Date.
1.

"Clearing day" means a day which is not a Saturday, Sunday and public holiday.

2.

Autopay application must be completed first. For cancelling recurring transaction(s), e.g. payment for mobile phone bills and insurance subscription fee, etc, please cancel your instruction(s) to the respective merchant(s).

3.

Only applicable to Cardholder who has successfully applied Phone Banking Services or Internet Banking Services.

4.

Please remit the payable amount after conversion in Hong Kong Dollars first while the difference will be posted to your Renminbi card account.

5.

Service is applicable to Cardholder who has savings account in ICBC, Mainland China and successfully applied for Internet Banking Services.

6.

Service is applicable to Cardholder who has Hong Kong Dollars savings account in ICBC (Asia) and successfully applied for Phone Banking Services.

7.

Please take note of the public holidays and postal lead time in Mainland China to prevent late payment.

 

Apply now and enjoy the marvelous privileges brought to you by

ICBC Visa Dual Currency Credit Card !

 

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