ICBC AXA Virtual Digital Credit Cards

ICBC AXA UnionPay Dual Currency Virtual Digital Credit Card and ICBC AXA Mastercard Virtual Digital Credit Card (collectively known as the “ICBC AXA Virtual Digital Credit Cards”) are ready for use upon approval! Just a few steps to apply for the card.

Online Application Gift

Extra HK$50 Free Credit Card Spending Limit+for each ICBC AXA Virtual Digital Credit Card is available for new customers who successfully applied online and being granted the designated ICBC AXA Virtual Digital Credit Cards.

+Terms and Conditions apply. Please refer to Terms and Conditions of the Online Application Gift for details.

Welcome Offer

New customers who successfully applied and being granted ICBC AXA Virtual Digital Credit Cards can enjoy HK$300 Free Credit Card Spending Limit welcome offer #.

the welcome offer#.

#To be entitled to the relevant welcome offer, new customers are required to accumulate retail spending for the designated amount with each Digital Credit Card within the first 2 months of the issuance of the new cards. Terms and Conditions apply. Please refer to Terms and Conditions of the Welcome Offer for ICBC Digital Card for details.

1.5% Cash Rebate

ICBC AXA Virtual Digital Credit Cards customers can enjoy 1.5% cash rebate for eligible spending 10.

Notice of Amendment on Cash Rebate Program for ICBC Virtual Digital Credit Card

Note: ICBC AXA Virtual Digital Credit Cards not applicable to cash advances, supplementary card applications, replacement or re-issuance of ICBC AXA Virtual Digital Credit Card or services related to the use of automated teller machines.

Insurance Premium Installment Plan

Enjoy 12-months installment plan by settling your AXA insurance payment with ICBC AXA Virtual Digital Credit Cards*.

*For the details for the charges and interest rate, please refer to “ICBC AXA Platinum Card or AXA Virtual Digital Credit Cards Insurance Premium Installment Plan Application Form”.Click here for ICBC AXA Platinum Card or AXA Virtual Digital Credit Cards Insurance Premium Installment Plan Application Form.

4 Exclusive Advantages

1. Simple
Customers can apply ICBC AXA Virtual Digital Credit Cards through ICBC (Asia) website, ICBC (Asia) online banking or ICBC (Asia) Mobile Banking App1
ICBC (Asia) selected customers2 do not need to submit income proof and address proof again for the application. ICBC (Asia) new customers just need to scan your Hong Kong identity card, conduct facial recognition, complete the application form and upload your income and address proof3 .

2.Fast

Just a few steps to complete the entire application process and the card is ready to use upon approval of the application.

3. Secure

Dynamic password payment; up to HK$10,0004credit limit.

4. Convenient

Customers can pay for online shopping with ICBC AXA Virtual Digital Credit Cards , and add the ICBC AXA Virtual Digital Credit Cards into Mobile Payment Services5 inside ICBC Mobile Banking App via your Android phone. Customers can also bind the ICBC AXA UnionPay Dual Currency Virtual Digital Credit Card to Apple Pay6and Huawei Pay7 to enjoy shopping convenience in physical stores.

How to apply

Method 1: Through ICBC (Asia) Mobile Banking App (Applicable for all customers)

Step 1: Choose card application through ICBC (Asia) Mobile Banking App

Step 2: Fill in the information for customer identity verification

ICBC (Asia) selected customers2do not need to submit income and address proof again for the application.

If you are a new customer of ICBC (Asia), you are required to scan your Hong Kong identity card, conduct facial recognition, complete the application form and upload your income and address proof3.

Step 3: Confirm the application information and the application is successfully submitted.

How to download ICBC (Asia) Mobile Banking App

Search ‘ICBC (Asia)’ through App Store、Google Play or HUAWEI AppGallery to download the ICBC (Asia) Mobile Banking App

Method 2:Through ICBC (Asia) website or ICBC (Asia) online banking (Applicable for selected customers)

Step 1:Choose to apply for an ICBC Virtual Digital Card through ICBC (Asia) website or ICBC (Asia) online banking

Step 2: After clicking “Apply” for the relevant card, log in through ID card number with phone number verification or log in through account and password

Step 3: Enter personal information

Step 4: Confirm the application information and the application is successfully submitted

Enjoy the convenience brought by the cardless payment

Customer can pay with ICBC Digital Card for online shopping and experience the convenience of cardless payment. Customer can also add your ICBC Digital Card into Mobile Payment Services5 inside ICBC Mobile Banking App via your Android phone to enjoy convenient credit card mobile payment instantly.
For details on Mobile Payment Services inside ICBC Mobile Banking App, please click here for details.

By binding ICBC UnionPay Digital Card to Apple Pay6, you can enjoy shopping convenience when paying through designated Apple devices in any store, app or on web that accepts Apple Pay. Shopping is quicker, easier and safer whether you pay in the stores, apps or on web 8.

By Binding ICBC UnionPay Digital Card to Huawei Pay7, you can use Huawei Pay at any place posted with the following signs in Hong Kong 9.

1.5% Cash Rebate

ICBC Virtual Digital Credit Card customers can enjoy 1.5% cash rebate10

Note: ICBC Digital Card is not applicable to cash advances, supplementary card applications, replacement or re-issuance of ICBC Digital Card or services related to the use of automated teller machines.

1ICBC (Asia) selected customer can apply ICBC AXA Digital Card through ICBC (Asia) website, ICBC (Asia) online banking or ICBC (Asia) Mobile Banking App. New customer can apply through ICBC (Asia) Mobile Banking App.

2ICBC (Asia) selected customers refer to existing ICBC (Asia) credit card customers, existing ICBC (Asia) Auto-Payroll Service customers or existing customers with total assets of HK$20,000 or above in ICBC (Asia). For non-selected customers, they need to provide income and address proof to complete the application process.

3 New customers are required to scan the Hong Kong identity card, conduct facial recognition, complete the application form and upload the income and address proof for the application.

4 Each ICBC AXA Digital Card customer has a maximum sharing credit limit (amongst Hong Kong Dollar and Renminbi) of HK$ 5,000.

3 Online shopping payment and Mobile Payment Services inside ICBC Mobile Banking App are only applicable to ICBC UnionPay Digital Card and ICBC Digital Mastercard and ICBC Visa Digital Card. Mobile Payment Services inside ICBC Mobile Banking App must be used on NFC phones with Android version 10 or below 10 and operating system version 4.4.2 and above.

44.Each ICBC AXA Digital Card customer has a maximum sharing credit limit (amongst Hong Kong Dollar and Renminbi) of HK$ 5,000.

5 Online shopping payment and Mobile Payment Services inside ICBC Mobile Banking App are applicable to ICBC AXA UnionPay Digital Card and ICBC AXA Platinum Digital Mastercard. Mobile Payment Services inside ICBC Mobile Banking App must be used on NFC phones with Android version 10 or below 10 and operating system version 4.4.2 and above.

6Apple Pay is applicable to ICBC AXA UnionPay Dual Currency Virtual Digital Credit Card.

77.Huawei Pay is applicable to ICBC AXA UnionPay Dual Currency Virtual Digital Credit Card.

8 The above services are subject to terms and conditions. For details, please visit here

9 The above services are subject to terms and conditions. For details, please visit here

10 Cash rebate is 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, 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 tax payment, payment for MPF contribution etc.; or other categories as Industrial and Commercial Bank of China (Asia) Limited ("ICBC (Asia)") may at its sole discretion determine from time to time). Also, the spending 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 from time to time by Visa, Mastercard and UnionPay International and reserves the right to change the merchant categories from time to time, or at the sole discretion of ICBC (Asia)); or transactions which have not been posted, cancelled, refunded or not authorized are not eligible to the rewards.

Apply now!

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