Wise Gold Customer Promotion - ICBC (Asia)

Wise Gold Customer Promotion

Open account to enjoy HK$25,000 free credit card spending limit

Wise Gold Customer Promotion
Wise Gold Customer Promotion

Manage your wealth, believe in future

ICBC (Asia) “Wise Gold” Account provides you with all-rounded personalized wealth management service. Dedicated Relationship Manager will handle your bespoke wealth management plan in line with the all-in-one account management and exclusive privileges, deliver an extraordinary experience to you.
During the promotion period, new customer who upgrades to “Wise Gold” customer can enjoy up to HK$25,000 free credit card spending limit.

“Wise Gold” Account Opening Reward


New Customer Welcome Offer

Promotion Period: 1 April 2026 to 30 September 2026 (both dates inclusive)

New “Wise Gold” customer who fulfills reward requirements below can enjoy up to HK$25,000 free credit card spending limit!

Reward Requirement 1: Designated average daily Total Liquid Assets1 for the first 3 months after account opening + Reward Requirement 2 & 3 = Free credit card spending limit2
HK$8,000,000 or above HK$25,000
HK$5,000,000 to below HK$8,000,000 HK$16,000
HK$3,000,000 to below HK$5,000,000 HK$12,000

Reward requirement 2: Select one of the following wealth management products and complete one eligible transaction with transaction amount HK$100,000 or above (or its equivalent)3

  1. Investment Fund Subscription
  2. Currency Linked Contract4
  3. Structured Deposit5
  4. Buy/ sell Stocks
  5. Investment Fund Transfer In
  6. FX Trading

Reward requirement 3: Successfully applied/ held ICBC Wise Gold Dual Currency Credit Card - UnionPay Diamond Card (“ICBC Wise Gold Dual Currency Credit Card”) / ICBC Wise Gold Credit Card - World Mastercard (“ICBC Wise Gold Credit Card”)


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 redemption date will receive an additional HK$100 free credit card spending limit.



Existing Customer Upgrade Reward

Promotion Period: 1 April 2026 to 30 June 2026 (Both dates inclusive)

Existing customer who upgrades to “Wise Gold” customer and fulfills below reward requirements can enjoy up to HK$4,000 free credit card spending limit!


Reward requirement 1: Successfully upgrade the account to “Wise Gold” Account ; and

Reward requirement 2: Maintain HK$3 million Average Daily Total Liquid Assets1 for the first 3 consecutive months immediately after the successful upgrade ; and

Reward requirement 3: Increase in below amount on the Average Daily Total Liquid Assets1 for the first 3 consecutive months immediately after successfully upgrade to “Wise Gold” account as compared to the Average Daily Total Liquid Assets1 in March 2026 can enjoy below rewards:

Reward requirement 1 and 2 + Reward requirement 3: Increment on below designated amount on the Average Daily Total Liquid Assets1 for the first 3 consecutive months after successful upgrade as compared to the Average Daily Total Liquid Assets1 in March 2026 = Free credit card spending limit2
HK$3 million or above HK$4,000
HK$1.5 million-HK$3 million below HK$2,000

The above offers are subject to Terms and Conditions. Please click here for details.



FX Time Deposit Promotion

Promotion Period: 27 May 2026 to 30 June 2026 (both dates inclusive)

During the Promotion Period, customers who exchange Hong Kong dollar funds into US dollar at our branches, and at the same time set up a 3-month time deposit with the full exchange amount (refer to the table below), can enjoy Preferential Interest Rate up to 3.88% p.a.*:

Designated Currency Time Deposit Currency Minimum Amount 3-month Time Deposit Preferential Interest Rate (p.a.)
HKD USD USD15,000 3.88%

*The above preferential fixed deposit interest rates (p.a.) are based on the interest rates (p.a.) announced by the Bank as of 27 May 2026 and for reference only. The interest rates maybe subject to revision as per prevailing market conditions. Deposits in different currencies, tenors, amounts and customer types will have different preferential time deposit interest rates. The Bank will confirm and advise you the final applicable interest rate at the time when the time deposit is placed.


The above “FX Time Deposit Promotion” is subject to Terms and Conditions. Please click here for details.

Hong Kong Dollar Saving and Fixed Deposit6 Preferential Rates

“Wise Gold” customer can enjoy below preferential Hong Kong Dollar Saving Rates:

Account Balance Preferential Interest Rate (p.a.)
HK$8,000,000 or above Prevailing Savings Interest Rate + 0.155%
HK$3,000,000 to below HK$8,000,000 0.105%
HK$800,000 to below HK$3,000,000 0.070%
HK$100,000 to below HK$800,000 0.020%

For the latest fixed deposit promotion details, please visit our Bank website > Personal > Latest Promotion (https://www.icbcasia.com/s/MbuIfu) or call (852) 2189 5588 or visit any branch of our Bank.

ICBC Wise Gold Dual Currency Credit Card / ICBC Wise Gold Credit Card

“Wise Gold” Account customer can enjoy the exclusive ICBC Wise Gold Dual Currency Credit Card / ICBC Wise Gold Credit Card welcome offers upon successful credit card application.

ICBC Wise Gold Dual Currency Credit Card UnionPay Diamond CardICBC Wise Gold Credit Card World Mastercard

Welcome Offer7

From 1 April 2026 to 30 June 2026 (both dates inclusive), customers can enjoy welcome offer HK$300 Free Credit Card Spending Limit by making retail spending or cash advance with ICBC Wise Gold Dual Currency Credit Card / ICBC Wise Gold Credit Card once within the first 2 months of new card issuance.


Spending Reward Unlimited 2% Cash Rebate8

2% cash rebate (equivalent to 4X bonus point) for local and overseas spending with ICBC Wise Gold Dual Currency Credit Card / ICBC Wise Gold Credit Card. Rebate amount will be calculated on a monthly basis automatically without any convert changes, it will be credited to the HKD account and shown on the statement.


Designated Airport / High Speed Rail Lounge Services around the world provided by DragonPass9

From 1 April 2026 to 31 March 2027 (both dates inclusive), ICBC Wise Gold Dual Currency Credit Card / ICBC Wise Gold Credit Card customers can enjoy designated airport and high speed rail lounge services provided by DragonPass, The service scope covers over 140 countries and regions, including the Chinese mainland, Hong Kong, Macau and western countries.


  • Cardholder can enjoy unlimited designated airport and high speed rail lounge services provided by DragonPass.

The cardholder can access the relevant information for airport or high speed rail lounge service via website of Dragon Pass or APP, including service network for the lounge, location direction etc.



The above credit card service and privileges are subject to the applicable terms and conditions announced by ICBC (Asia) Limited (“ICBC (Asia)” or “The Bank”)and Mastercard from time to time. For more details, please refer to relevant credit card terms and conditions or call the customer hotline (852) 2189 5588 for enquiry.

Open the account now to enjoy the prestigious service!

Customer with newly opened “Wise Gold” account can enjoy service fee10 waiver privilege from 1 April 2026 to 31 December 2026.


For any enquiry, please welcome to call our customer hotline (852) 2189 5588 or visit the branches of ICBC (Asia).



Remarks:

1

Average Daily Total Liquid Assets (TLA) includes all deposit balances and the market value of investments in the Bank. For sole-name account holders, the deposit balances and the market value of investments of their other joint-name account(s) will also be counted. TLA of joint-name account will be counted as the TLA of the primary account holder only.

2

Rebates will be offered through free credit card spending limit under the ICBC Wise Gold Dual Currency Credit Card - UnionPay Diamond Card / ICBC Wise Gold Credit Card - World Mastercard.

3

Eligible Transaction includes (1) Investment Fund Subscription (Only applicable to lump sum fund subscription with subscription fee high than or equal to 0.6%. Not applicable to money market fund transaction, fund switching, fund redemption and Fund Monthly Saving Plan subscription.), or (2) Currency Linked Contract, or (3) Structured Deposit, or (4) Buy/sell stock, or (5) Investment Fund Transfer in, or (6) FX Trading. For the details of the definition of eligible transaction, please refer to the relevant terms and conditions.

4

Currency Linked Contract is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong.

5

Structured Deposit is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong.

6

Deposits in Current Account and Savings Account and Time Deposits NOT exceeding a term of five years of “Wise Gold Account” are deposits qualified for protection by the Deposit Protection Scheme in Hong Kong.

7

Welcome offer is valid for successful application from 1 April 2026 to 30 June 2026. Successful applicant of Principal ICBC Wise Gold Dual Currency Credit Card / ICBC Wise Gold Credit Card is required to spend or cash advance once within the first 2 months of card issuance. Existing ICBC credit cardholders or who have cancelled any ICBC credit cards (including co-branded cards) in the past 6 months will not be eligible for the welcome gift.

8

Cash Rebate and Bonus Points 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, purchase/reload/transfer of e-wallet (including but not limited to Alipay, PayMe, Tap & Go and WeChat Pay), Financial Institutions transactions (including but not limited to Securities Brokers and Dealers etc), Octopus Add Value/Automatic Add Value transactions, donations, purchase of casino chips, gambling transactions, unauthorized transactions, autopay transactions, video game arcades/establishments, motion picture theatres, parking lots and garages, automobile rentals, fuel, transportation fees, all payment types (including but not limited to credit card charges, cash installment, any financial charges, overdue charges, all account service charges, telecommunications fees, membership fees, insurance payment or utilities bills payment, charitable/non-profit organization transactions, tax payment, payment for MPF contribution etc. or other categories as ICBC (Asia) may determine from time to time in its sole discretion). Also, the Rewards are not applicable to the transactions of supermarkets, property, motor vehicle, wholesale, hospital, tuition and other related merchants 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 (Asia) Limited). Transactions which have not been posted, cancelled, refunded or not authorized are not eligible to the rewards.

9

The privileges and services are provided by Dragon Pass, and are subject to its relevant terms and conditions. For the promotion details, please visit the website of Dragon Pass or APP. ICBC (Asia) is not the provider of this service and will not be responsible for any related liabilities and obligations.

10

For the details of “Wise Gold” service charges, please refer to the Services Charges of the Bank.


Reminders:
To borrow or not to borrow? Borrow only if you can repay!
Don’t lend or sell your account. Don’t risk your future for quick money.
Investment involves risk. The above offers are subject to Terms and Conditions.


Investment Product Risk Disclosure:

Investment involves risks. The prices of an investment product may move up or down and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling investment product. Past performance of any investment is no guide to its future performance.


Foreign Exchange Risk Disclosure:

Currency conversion risk - the value of your foreign currency will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversion to foreign currency, you may suffer loss in principal.


Important Notice:

The above risk disclosure statements cannot disclose all the risks involved. If you wish to obtain the comprehensive risk disclosure, please approach our branch staff for enquiries. Before making investment decision, you should thoroughly study the offering documents, financial reports and relevant risk disclosure statements issued by the issuer of the investment product(s). Further you should consider your own circumstances including financial position, investment experience and objective to ensure the investment is suitable for your particular investment needs and risk tolerance capacity. You should seek independent financial and professional advice before any trading or investment. This promotional material does not constitute an offer or solicitation for the purchase or sales of any investment products. This promotional material is issued by Industrial and Commercial Bank of China (Asia) Limited (the "Bank") and the contents have not been reviewed by Securities and Futures Commission.

The Bank distributes the fund product for the fund houses and the fund product is a product of fund houses but not that of the Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer ; however any dispute over the contractual terms of the fund product should be resolved directly between the fund houses and the customer.


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