Enjoy Up to 7% Cash Rebate with an ICBC UnionPay Credit Card For Spending In Overseas Regions - ICBC (Asia)
Enjoy Up to 7% Cash Rebate with an ICBC UnionPay Credit Card For Spending In Overseas Regions
Basic unlimited up to 2% cash rebate on spending with designated ICBC UnionPay Credit Card. Please see card product benefits details for more information (Personal > Credit Cards > Type of Cards).
During the promotion period, cardholders using an ICBC UnionPay Credit Card for foreign currency spending in person at physical merchants in Overseas Regions, outside Chinese Mainland and Hong Kong can enjoy an additional up to 5% cash rebate on eligible transactions when the accumulated eligible overseas spending reaches HK$10,000 or its equivalent in foreign currency per calendar month! Each customer can enjoy a maximum of HK$500 cash rebate per month, and a maximum of HK$1,000 cash rebate throughout the entire promotion period.
No handling fees is required for foreign currency spending outside Hong Kong and Chinese Mainland! Spend more, Reward more!
Promotion Period: 15 February 2026 to 31 March 2026 (both dates inclusive)
Terms and Conditions:
“Enjoy Up to 7% Cash Rebate with an ICBC UnionPay Credit Card For Spending In Overseas Regions” promotion (“this Offer”) is from 15 February 2026 to 31 March 2026 (both dates inclusive) (“Promotion Period”). The total promotional fund pool for this Offer is capped at HK$400,000. Until the quotas are available, while stock lasts, whichever is earlier (based on the transaction date).
This Offer is applicable to ICBC Credit Card (the “Eligible Credit Card”) issued by Industrial and Commercial Bank of China (Asia) Limited (the “Bank” ) It is applicable to eligible foreign currency transactions made in person at physical merchants in overseas regions, outside Chinese Mainland and Hong Kong (“Eligible Overseas Spending”). The additional up to 5% cash rebate is awarded when the accumulated Eligible Overseas Spending per calendar month reaches HK$10,000 or its equivalent in foreign currency. This Offer is not applicable to corporate cards.
During the Promotion Period, the cash rebate of this Offer will be arranged as below: each customer can enjoy up to HK$500 cash rebate per month, or a maximum of HK$1,000 cash rebate within the entire promotion period. The cash rebate offered under this Offer will be credited to the principal cardholder’s Hong Kong Dollar account of Eligible Credit Card(s) with the eligible transaction(s) by the end of June 2026, and will be shown in the respective monthly statement. Regarding the basic unlimited cash rebate of ICBC Credit Card (the “Basic Reward of ICBC Credit Card”) will be calculated on monthly basis, it will be credited to the HKD account and shown on the statement.
This Offer is not applicable to spending in Chinese Mainland and Hong Kong.
Unless otherwise specified, this Offer cannot be used in conjunction with any other promotions or offers of the Bank.
The relevant spending is calculated based on a single customer, combining the Eligible Overseas Spending of principal card and supplementary card(s).
To be eligible for the cash rebate, account of the Eligible Credit Card cardholder must be still valid and without any arrears of repayment record when the cash rebate is to be credited.
The Reward is applicable to the eligible transaction. Eligible transaction is based on the date of transaction and must be posted to account no later than 7 days after the Promotion Period.
Eligible Overseas Spending refers to card-present transactions (swipe, insert, or contactless) made with eligible physical credit cards at physical merchants outside Chinese Mainland and Hong Kong. Eligible Overseas Spending is not including to the online purchases, cash advances, balance transfer, cash installment loan amount/tax loan and personal loan amount/merchant installment loan amount and the repayment amount, mobile payment transaction (including Apple Pay, Huawai Pay,ICBC Pay and UnionPay App), purchase/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 types (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 payment, tax payment, payment for MPF contribution etc. or other categories as Bank may determine from time to time in its sole discretion). Also, not include 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 UnionPay reserve the right to change the merchant categories from time to time, or at its sole discretion of the Bank). Transactions which have not been posted, cancelled, refunded or not authorized are not eligible for this Offer. In case of any dispute in relation to the interpretation of the eligible transaction, the decision of the Bank shall be final and conclusive. The eligible spending amount will be based on the transaction currency and the HKD converted amount as shown on the credit card statement. Regarding definition of the latest Eligible Spending for Basic Reward of ICBC Credit Card, please visit the website of the Bank (Personal > Credit Cards > Spending Rewards).
All product images and product details are for reference only.
The Bank is not the supplier of the products or services, and has no liability for any matters related to any such products/services.
If the transactions are found to be in breach of any of the foregoing after the Rewards have been granted, the Bank reserves the right to deduct the relevant Reward from the card account without further notice.
Under no circumstances shall any person be entitled to make a claim against the Bank in relation to failure of any communication systems malfunction, interruption, interception, suspension, delay, blackout, loss, unavailability, mutilation, incorrect data transmission, or failure of any payment transaction arising from POS terminal including but not limited to technical issues related to program software, any POS equipment, bank card, electronic payment system, banking system, telephone line and network, etc. that may temporarily affect, delay, or unsuccessful completion of a transaction.
The Bank reserves the right to cancel &/or suspend granting any offer under this Offer, and/or vary these terms and conditions at any time. The Bank accepts no liability for such cancellation or suspension or change.
In case of any disputes, the Bank reserve the rights for final decision.
If the cardholder commits any fraud or deceptive acts, the Bank reserves the right to take legal action and reserves the right to disqualify the cardholder from enjoying this Offer.
Any person or entity that is not a party to these Terms and Conditions shall have no rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623 of the laws of Hong Kong) to enforce any term under of these Terms and Conditions.
In case of any discrepancy between the Chinese and English versions of these Terms and Conditions, the Chinese version shall prevail.
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.
www.icbcasia.com Customer Service Hotline (852) 2189 5588
“ICBC (Asia)” or “the Bank” refers to Industrial and Commercial Bank of China (Asia) Limited.
Copyright Reserved © Industrial and Commercial Bank of China (Asia) Limited