ICBC(Asia)-Credit Cards > Type of Cards > Personal Card > Xplore VISA Card
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Private Banking

Rewards Program

For every HKD/RMB 1 spent with your ICBC Xplore Visa 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


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.


Year Round Merchant Offers

You can enjoy exclusive dining, shopping and entertainment privileges with ICBC Xplore Visa Card.

Download ICBC credit card year round merchant offers


Prestigious Privileges for Platinum Cardholder

Apart form enjoying Gold Card's features and benefits, ICBC Xplore Visa 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
  • An extended spending bonus points validity
  • Dedicated 24-hour Platinum Card Customer Service Hotline (852) 2107 4107


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

Interest-free Repayment Period

Enjoy interest-free repayment period to give you more financial flexibility.

24-hour Worldwide Cash Availability

You can obtain cash advance with your ATM PIN 24 hours a day from any JETCO ATMs or VISA ATMs worldwide.


Comprehensive Protection

Lost 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.


Convenient Payment Methods

You can settle your credit card payment in any of the following ways to save time and enjoy maximum convenience:


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, alternatively visit the website at The Industrial and Commercial Bank of China Hong Kong Credit Card Centre merchant code is 9232.

Payment cut-off time is 7:00pm from Monday to Friday (except Sunday and public holidays). Please settle the payment at least 1 clearing day 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 Payment cut-off time is 7:30pm from Monday to Friday (except Sunday and public holidays).

Please settle the payment at least 1 clearing day before "Payment Due Date".


Just complete and return the "Autopay Form" by mail, and your credit card payment can be settled simply through your designated savings or current account held at any bank in Hong Kong. Your designated account will be debited for the pre-set repayment amount in 1 clearing day before "Payment Due Date". Please prepare sufficient funds 2 clearing days before the "Payment Due Date".

Payment by Cash, Cheque or Fund Transfer

You may arrange payment by cash, by cheque or transfer funds from your ICBC (Asia) account at any branch of ICBC (Asia). You may also send in a crossed cheque payable to "ICBC (Asia) Credit Card Centre" with your credit card number written on the back, and enclose with the payment slip from your statement to P.O. Box 27, General Post Office, Hong Kong.

To allow sufficient time for processing, please send in your cheque payment at least 3 clearing days before "Payment Due Date". Cash and post-dated cheques are not accepted.

Payment from ICBC (Asia) Account

You can also settle payment from ICBC (Asia) account at any JETCO ATMs, through ICBC (Asia) Phone Banking Services or Internet Banking Services.


Apply now and enjoy the marvelous privileges brought to you

by ICBC Xplore Visa Card!


How to find out more


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