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ICBC‧KMB UnionPay Dual Currency card

Online Application Gift

Extra HK$50 Free Credit Card Spending Limit for each card is eligible to new customers who successfully apply designated ICBC (Asia) credit cards upon card approval. The application should take via online.

  • ICBC‧KMB UnionPay Dual Currency Diamond Card
  • ICBC‧KMB UnionPay Dual Currency Platinum Card

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For details, please refer to Terms and Conditions of the Online Application Gift.

Welcome Offer

New customers who successfully apply for ICBC‧KMB UnionPay Dual Currency Diamond Card|ICBC‧KMB UnionPay Dual Currency Platinum Card can enjoy:

  • HK$300 Free Credit Card Spending Limit *

*To be entitled to the relevant welcome offer, new customers are required to accumulate retail spending or cash advance for HK$/RMB3,000 within the first 2 months of new cards issuance. For details, please refer to Terms and Conditions of the Welcome Offer.

Enjoy up to 20% Bus Fare Rebate

After spending HK$1,000 on their credit card in any given month during the promotional period, cardholders of ICBC‧KMB UnionPay Dual Currency Card can enjoy a maximum of 20% bus fare rebate during that month, whenever they pay for KMB and LWB rides.

1.The promotion is until December 31, 2024 (the last day is inclusive). The cardholder has to link his/her personalised octopus card to his/her ICBC/KMB UnionPay Dual Currency Card. The cardholder has to pay his/her transportation expenses via the linked personalised octopus card (including all The Kowloon Motor Bus Co. (1933) Ltd (KMB) and Long Win Bus Company Limited (LWB) provided bus service’s fare, or KMB monthly pass purchased from the KMB monthly pass machine). In order for the cardholder to enjoy that month’s 20% bus fare rebate, the cardholder has to spend a minimum of HK$1,000 on his/her credit card in any given month during the promotional period. The promotion is not applicable to bus passes purchased from convenient stores, and KMB routes such as K12, K14, K17, and K18. Each credit card account, including its supplementary card, can receive up to HK$400 rebate each month during the promotional period. Cash rebate is calculated for each eligible credit card account, where spending on primary and supplementary card is calculated together. Approved spending is calculated on transaction date, and all transactions must be in HKD and within the promotional period. Approved spending does not include mail order, phone order, fax order, and types of spending that are not applicable to the terms & conditions of cash rebate. Transactions that are pending, cancelled, unauthorised, refunded, or suspected of fraud will not be calculated towards the monthly spending of credit card. If a client’s spending is found guilty of said issues, the bank has the right to directly deduct or take back his/her cash rebate generated from this promotion from his/her credit card account. Cash debate from this promotion will be transferred to the designated credit card account within 3 months after conditions have been met. Cash rebate generated from supplementary card will also be transferred to the designated credit card account.

Enjoying other KMB benefits2

  • 15% off at KMB stores (including KMB online store & pop up store)
  • Priority reservations for limited edition products
  • Invitation to participate in KMB events (Details are yet to be announced, please visit www.kmb.hk for more information)

2. Promotional period is until December 31, 2024 (the last day is inclusive). Cardholders are entitled to 15% off at KMB online stores and pop up stores during the promotional period. Cardholders may also have the opportunity to participate in KMB events, as well as the right to priority reserve limited edition products. For more information, please call KMB customer service hotline (852)2745 4466 or visit the KMB website at www.kmb.hk.

Payment and Travel Convenience Across the Greater Bay Area

Cardholder can enjoy a hassle-free journey across the Greater Bay area via a series of convenient payment services with the Card. This includes designated Hong Kong taxis, cross-bridge fare of Hong Kong-Zhuhai-Macau Bridge, Chu Kong Passenger Transport, Eternal East Cross-Border Coach, China Train 12306, Guangzhou and Shenzhen Metro gates, Shenzhen Metro Line 4 self-service ticket vending machine, Shenzhen taxis and Guangzhou public buses.

Experience the new QR code payment convenience via 'UnionPay App'

Download the 'UnionPay App' with mobile phone and bind with ICBC‧KMB UnionPay Dual Currency card to enjoy numerous Hong Kong, Macau and cross-border privileges.

Two Currencies in One Card

ICBC‧KMB UnionPay Dual Currency cardholder has both HKD and RMB accounts in one card, you can spend with the local currency across Mainland China and Hong Kong, and enjoy a waiver of foreign exchange fee on spending in CNY and foreign currencies.

Waive Handling Fee of Overseas Spending

Spend at Overseas with ICBC‧KMB UnionPay Dual Currency card to enjoy handling fee waiver and be exempted from extra charges caused by currency exchange and fluctuation of conversion rates.

Cash Rebate3

Every dollar (HKD & RMB) spends with the card will entitle 0.5% cash rebate. HKD & RMB spending will be combined for accumulated transactions amount calculation; RMB1 spending will be calculated as HKD1. Rebate amount will be calculated on monthly basis, it will be credited to the HKD account and shown on the statement.

For every HK$1/ RMB$1 spent = 0.5% Cash Rebate

3.The rewards 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 card account’s fees, cash installment, any financial charges, late 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 fee, property, motor vehicle, wholesale, hospital and school fees in China etc. (transaction types are determined according to the merchant categories as defined time to time by Visa, MasterCard and UnionPay, 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.

Credit Card Spending Installment Plan

Every spending with choice of installment plan for you to enjoy fabulous shopping delights!

  • Super-Low Monthly Flat Rate at 0.235% (APR is 5.29%)4
  • 12, 24 and 36 month installment plan of your choice
  • No documents are required
  • Application Hotline5: 2533 8686

4. Monthly flat rate 0.235% ,Annualised Percentage Rate (APR) 5.29% are calculated based on Spending Installment amount HK$10,000, Monthly flat rate 0.235% and 12-month repayment tenor. For 24-month and 36-month tenor, APR are 5.46% and 5.48% respectively. The APR is calculated based on the guidelines as set out in the Code of Banking Practice. The Bank shall have the right at its discretion to apportion any Installment payment between interest and principal in such manner as it shall desire. The annualised percentage rate is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate. Terms and conditions apply, for more details on terms and conditions and relevant fee and charges,please visit www.icbcasia.com or call the Customer Service Hotline 2533 8686.
5.Office hour of the Customer Service Hotline: Monday - Friday: 10am - 6pm, except Public Holidays. After language option is selected, please press ‘9’ to talk to a Customer Service representative.

*The above offers are subject to relevant terms and conditions.

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"ICBC (Asia)" or "The Bank" is the abbreviation of Industrial and Commercial Bank of China (Asia) Limited.