Reward Program

Cardholders can choose your own rewards from ICBC Credit Card Rewards Program.

Bonus Point

For every HKD/RMB 1 spent with your ICBC Credit Card, you will receive 1 point. Accumulated bonus points can be redeemed for cash rebate, cash coupons and mileage*.
*The mileage redemption is all subject to airline company respective terms and conditions. In case of any dispute, the decision of the Airline Company shall be final.

Cash Rebate

Cardholder can choose cash rebate as their spending rewards. Every dollar (HKD or RMB) spends with the card will entitle 0.5% cash rebate. HKD & RMB spending will be combined for accumulated transactions amount calculation; RMB¥1 spending will be calculated as HKD$1. Rebate amount will be calculated on a monthly basis, it will be credited to the HKD account and shown on the statement.

Note: Bonus point and cash rebate are not applicable to cash advances, balance transfer, cash installment loan amount/ tax loan and personal loan amount/ merchant installment loan amount and the repayment amount, reload/ transfer of e-wallet (including but not limited to Alipay, PayMe, Tap & Go and WeChat Pay), donations, purchase of casino chips, gambling transactions, unauthorized transactions, all payment type (including but not limited to credit card charges, cash installment, any financial charges, overdue charges, all account service charges, settlement through online personal banking service or ATM for insurance payment or utilities bills, tax payment, payment for MPF contribution etc. Or other categories as we may at our sole discretion determine from time to time). Also, the Rewards are not applicable to the transactions of supermarkets, fuel, transportation fees, property, motor vehicle, wholesale, hospital and tuition in China etc. (transaction types are determined according to the merchant categories as defined time to time by Visa,MasterCard and UnionPay and reserves the right to change the merchant categories from time to time, or at its sole discretion of Industrial and Commercial Bank of China and (Asia) Limited). Transactions which have not been posted, cancelled, refunded or not authorized are not eligible to the rewards.

Click to Download the Bonus Point Offer Details

Reminder:To borrow or not to borrow ? Borrow only if you can repay !