New Customer Welcome Rewards - ICBC (Asia)
HKD 3-month Preferential Time Deposit Interest Rate 6% p.a.
Welcome Rewards up to equivalent value of HK$900
Opening an “Integrated Account” not only fulfills your all-round financial needs, new customers can even enjoy Welcome Rewards! During the promotion period, new customers open an “Integrated Account”via Mobile Banking or at branches, successfully applied/held ICBC Credit Card, and fulfill the reward requirements, can enjoy Welcome Rewards up to HK$9001, along with a preferential interest rate 6% p.a. by setting up a 3-month HKD time deposit via the “e Deposit” function or at branches.
New Customers Preferential Time Deposit Interest Rate 6% p.a.2
New Customers3 who have successfully opened the Integrated Account via the “New Customer Account Opening” service of Mobile Banking4 or at branches during the Promotion Period, and set up a 3-month HKD time deposit to enjoy the preferential time deposit interest rate 6% p.a.2.
- New Customers HKD 3-month Preferential Time Deposit Interest Rate 6% p.a. via the Mobile Banking “e Deposit” Function: The minimum deposit amount is HK$1,000 and the maximum accumulated deposit amount is HK$200,000.
- New Customers HKD 3-month Preferential Time Deposit Interest Rate 6% p.a. via branches: The minimum deposit amount is HK$10,000 and the maximum accumulated deposit amount is HK$200,000. (The Offer is also applicable to the opening of “Wise Gold” Account / “Elite Club” Account / “E-Age” Account.)
(New Mobile Banking Customers are required to hold Hong Kong Identity Card, opened the “Integrated Account” via the “New Customer Account Opening” service4, and set up a 3-month HKD time deposit via the “e Deposit” function to enjoy the preferential time deposit interest rate.)
“Integrated Account” Account Opening Reward
Promotion period: 1 October 2026 to 31 December 2026 (both dates inclusive)
New customers, who open “Integrated Account” via Mobile Banking or at branches, successfully applied/held ICBC Credit Card, and fulfill the reward requirements, can enjoy up to HK$500 free credit card spending limit and a Bonus Reward of HK$100 free credit card spending limit:
| Reward Requirements: Maintain below designated average daily Total Liquid Assets for the first 3 months after account opened | Free credit card spending limit |
| HK$100,000 or above | HK$500 |
Bonus Reward: Eligible customer who agrees to receive the Bank’s SMS or email marketing promotions of all products (including deposits, loan, insurance, investment and credit card) when opening an account and maintain this preference until the reward date will receive an additional HK$100 free credit card spending limit.
Credit Card Welcome Reward and Offers5
Promotion period: 1 April 2026 to 31 March 2027 (both dates inclusive)
- New principal card applicants who successfully apply for the first designated ICBC SUP Credit Card / Dual Currency Credit Card during the promotion period and fulfill designated spending requirement for HK$/RMB 3,000 on purchases or cash advances within the first 2 months of new card issuance can get an HK$300 SUP Retail eVoucher.
- ICBC SUP Credit Card / Dual Currency Credit Card Cardholder will enjoy the discounts as follow at SUP book shops in Hong Kong (including Joint Publishing, Chung Hwa Book Co. and The Commercial Press) if payment is made by physical card (Each Cardholder can only enjoy Discount 1 or Discount 2 up to once per day):
- Discount 1: a one time HK$30 discount per day, for a single purchase of HK$300 or above
- Discount 2: a one time HK$100 discount per day, for a single purchase of HK$2,000 or above
Risks relating to RMB: The Chinese Renminbi is currently a restricted currency. Due to the exchange controls and/or restrictions which may be imposed by the PRC government on the convertibility or utilization of RMB from time to time, there is no guarantee that disruption in the transferability, convertibility or liquidity of RMB will not occur. There is thus a likelihood that you may not be able to convert the Chinese Renminbi received into other freely convertible currencies.
Reminders: To borrow or not to borrow? Borrow only if you can repay! Protect your Personal Digital Keys; Beware of Fraudulent Links! Don’t lend or sell your account. Don’t risk your future for quick money.
Terms and Conditions apply. Please click here for more details of HKD 3-month Preferential Time Deposit Interest Rate; Please click here for more details of “Integrated Account” Account Opening Reward; Please click here for more details of promotion of “Credit Card Welcome Reward and Offers”.
Remark:
Rewards include “Integrated Account” Account Opening Reward up to HK$600 free credit card spending limit, and Credit Card Welcome Reward up to equivalent value of HK$300 (Please refer to https://www.icbcasia.com/s/aEriie for details).
The preferential interest rate as referred to the above is based on the interest rates (p.a.) announced by the Bank as of 2 October 2026 and is for reference only. The interest rates maybe subject to revision as per prevailing market conditions. The Bank will confirm and advise you the final applicable interest rate at the time when the time deposit is placed.
“New Customer” refers to successfully open the “Integrated Account” via the “New Customer Account Opening” service of Mobile Banking or at branches during 1 October 2026 to 31 December 2026, and has not held any account in sole name or joint name (except those who has only credit card account) with the Bank in the 12 months prior to the account opening date. The Bank reserves the final right to interpret the definition of Eligible Customers.
For online accounts successfully submitted from 1 Sep 2026, the daily maximum transfer limits are HK$10,000 or equivalent to unregistered third-party accounts and HK$50,000 or equivalent to registered third-party accounts..
Terms and conditions apply. For details of the Credit Card Welcome Rewards and Offers and terms & conditions, please refer to https://www.icbcasia.com/s/aEriie for details.
“ICBC (Asia)” or “The Bank” refers to Industrial and Commercial Bank of China (Asia) Limited.