ICBC Axa Dual Currency Credit Card UnionPay Platinum Virtual Card
- Bank
- ICBC (Asia)
- Issuer
- ICBC
- Annual fee
- Income requirement
- Network
- Verified date
- Official website
Saving by category
Estimated saving at the selected amount. Conditions apply. Blank values have no supported estimate.
Promotion offers and card offers are separate. Combined eligibility is not assumed.
Promotion offers (5)
中國工商銀行（亞洲）信用卡消費／賬單分期：高達HK$200現金回贈Up to200HKD savingConditions applyCashbackPeriod LimitedMinimum spending: HK$10,000.00
- Eligibility: Audience: all
- Eligible spending: Applies to: 借貸/分期付款 · Type: category
- Minimum requirement: Period: per transaction · Spend: HK$10,000.00
- Requirements: Transaction Spend Below Cents: HK$20,000.00
- Benefit limit: Period: not stated · Type: not stated
- Percentage note: Threshold equivalent maximum: HK$200 ÷ HK$10,000 × 100 = 2.00%, rounded to 2 decimal places. This uses the minimum eligible installment amount and the maximum cashback. At the same maximum cashback, the effective rate decreases above HK$10,000; actual cashback may be lower because the source states “up to”. The eligible installment amount is HK$10,000–HK$19,999.
- Application or registration is required.
- 分期金額HK$10,000至HK$19,999：高達HK$200現金回贈。
- 須透過手機銀行應用程式成功申請「信用卡消費分期／賬單分期計劃」，並將合資格簽賬分12、24或36個月還款。
- 只適用於中國工商銀行（亞洲）有限公司發出的信用卡及聯名卡主卡持卡人；不適用於附屬卡、公司卡及學生持卡人。
- 實際年利率低至5.29%，以每月平息0.235%及12個月還款期計算。實際年利率按《銀行營運守則》相關指引計算，並包括基本利率及其他費用與收費；最終息率視乎貸款額及信貸審批結果。
- 本行可決定分期還款的本金與利息比例，並保留最終貸款批核權；優惠受相關條款及細則約束。
- HK$10,000至HK$19,999分期金額的現金回贈: Now – 2026-12-31
中國工商銀行（亞洲）信用卡消費／賬單分期：高達HK$350現金回贈Up to350HKD savingConditions applyCashbackPeriod LimitedMinimum spending: HK$20,000.00
- Eligibility: Audience: all
- Eligible spending: Applies to: 借貸/分期付款 · Type: category
- Minimum requirement: Period: per transaction · Spend: HK$20,000.00
- Requirements: Transaction Spend Below Cents: HK$50,000.00
- Benefit limit: Period: not stated · Type: not stated
- Percentage note: Threshold equivalent maximum: HK$350 ÷ HK$20,000 × 100 = 1.75%, rounded to 2 decimal places. This uses the minimum eligible installment amount and the maximum cashback. At the same maximum cashback, the effective rate decreases above HK$20,000; actual cashback may be lower because the source states “up to”. The eligible installment amount is HK$20,000–HK$49,999.
- Application or registration is required.
- 分期金額HK$20,000至HK$49,999：高達HK$350現金回贈。
- 須透過手機銀行應用程式成功申請「信用卡消費分期／賬單分期計劃」，並將合資格簽賬分12、24或36個月還款。
- 只適用於中國工商銀行（亞洲）有限公司發出的信用卡及聯名卡主卡持卡人；不適用於附屬卡、公司卡及學生持卡人。
- 實際年利率低至5.29%，以每月平息0.235%及12個月還款期計算。實際年利率按《銀行營運守則》相關指引計算，並包括基本利率及其他費用與收費；最終息率視乎貸款額及信貸審批結果。
- 本行可決定分期還款的本金與利息比例，並保留最終貸款批核權；優惠受相關條款及細則約束。
- HK$20,000至HK$49,999分期金額的現金回贈: Now – 2026-12-31
中國工商銀行（亞洲）信用卡消費／賬單分期：高達HK$550現金回贈Up to550HKD savingConditions applyCashbackPeriod LimitedMinimum spending: HK$50,000.00
- Eligibility: Audience: all
- Eligible spending: Applies to: 借貸/分期付款 · Type: category
- Minimum requirement: Period: per transaction · Spend: HK$50,000.00
- Requirements: Transaction Spend Below Cents: HK$100,000.00
- Benefit limit: Period: not stated · Type: not stated
- Percentage note: Threshold equivalent maximum: HK$550 ÷ HK$50,000 × 100 = 1.10%, rounded to 2 decimal places. This uses the minimum eligible installment amount and the maximum cashback. At the same maximum cashback, the effective rate decreases above HK$50,000; actual cashback may be lower because the source states “up to”. The eligible installment amount is HK$50,000–HK$99,999.
- Application or registration is required.
- 分期金額HK$50,000至HK$99,999：高達HK$550現金回贈。
- 須透過手機銀行應用程式成功申請「信用卡消費分期／賬單分期計劃」，並將合資格簽賬分12、24或36個月還款。
- 只適用於中國工商銀行（亞洲）有限公司發出的信用卡及聯名卡主卡持卡人；不適用於附屬卡、公司卡及學生持卡人。
- 實際年利率低至5.29%，以每月平息0.235%及12個月還款期計算。實際年利率按《銀行營運守則》相關指引計算，並包括基本利率及其他費用與收費；最終息率視乎貸款額及信貸審批結果。
- 本行可決定分期還款的本金與利息比例，並保留最終貸款批核權；優惠受相關條款及細則約束。
- HK$50,000至HK$99,999分期金額的現金回贈: Now – 2026-12-31
中國工商銀行（亞洲）信用卡消費／賬單分期：高達HK$800現金回贈Up to800HKD savingConditions applyCashbackPeriod LimitedMinimum spending: HK$100,000.00
- Eligibility: Audience: all
- Eligible spending: Applies to: 借貸/分期付款 · Type: category
- Minimum requirement: Period: per transaction · Spend: HK$100,000.00
- Benefit limit: Period: not stated · Type: not stated
- Percentage note: Threshold equivalent maximum: HK$800 ÷ HK$100,000 × 100 = 0.80%, rounded to 2 decimal places. This uses the minimum eligible installment amount and the maximum cashback. At the same maximum cashback, the effective rate decreases above HK$100,000; actual cashback may be lower because the source states “up to”. The eligible installment amount is HK$100,000 or more.
- Application or registration is required.
- 分期金額HK$100,000或以上：高達HK$800現金回贈。
- 須透過手機銀行應用程式成功申請「信用卡消費分期／賬單分期計劃」，並將合資格簽賬分12、24或36個月還款。
- 只適用於中國工商銀行（亞洲）有限公司發出的信用卡及聯名卡主卡持卡人；不適用於附屬卡、公司卡及學生持卡人。
- 實際年利率低至5.29%，以每月平息0.235%及12個月還款期計算。實際年利率按《銀行營運守則》相關指引計算，並包括基本利率及其他費用與收費；最終息率視乎貸款額及信貸審批結果。
- 本行可決定分期還款的本金與利息比例，並保留最終貸款批核權；優惠受相關條款及細則約束。
- HK$100,000或以上分期金額的現金回贈: Now – 2026-12-31
ICBC信用卡送環亞貴賓室禮遇1次1次 quantityConditions applyTravelPeriod Limited
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: 環亞貴賓室禮遇名額 · Period: not stated · Type: not stated
- Application or registration is required.
- 推廣期內，全新信用卡客戶須成功申請及啟動合資格ICBC信用卡，並完成一筆任意金額的合資格簽賬，方可獲贈1次環亞貴賓室禮遇。可選擇於全新環亞貴賓室香港西九龍高鐵站或環亞貴賓室香港國際機場二號客運大樓使用。優惠名額有限，先到先得，額滿即止。受有關條款及細則約束；詳情見來源所列連結。
- 環亞貴賓室禮遇推廣期: 2026-10-01 – 2026-12-31
Credit card offers (6)
ICBC AXA Dual Currency Credit Card - UnionPay Platinum Virtual Card: HK$50 extra free credit card spending limit50HKDConditions applyFinancing
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: not stated · Period: not stated · Type: not stated
- Application or registration is required.
- New customers must apply online successfully and be granted the card.
- Terms and Conditions apply; the linked terms are not included in the retained evidence.
- The card is not applicable to cash advances, supplementary card applications, replacement or re-issuance, or services related to automated teller machines.
- The shared credit limit across Hong Kong dollars and Renminbi is a maximum of HK$30,000.
ICBC AXA Dual Currency Credit Card - UnionPay Platinum Virtual Card: HK$300 free credit card spending limit300HKDConditions applyFinancing
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: not stated · Period: not stated · Type: not stated
- Application or registration is required.
- New customers must be granted the card.
- The customer must accumulate retail spending of a designated amount with each Digital Credit Card within the first two months after card issuance; the amount is not stated.
- Terms and Conditions apply; the linked terms are not included in the retained evidence.
- The card is not applicable to cash advances, supplementary card applications, replacement or re-issuance, or services related to automated teller machines.
- The shared credit limit across Hong Kong dollars and Renminbi is a maximum of HK$30,000.
ICBC AXA Dual Currency Credit Card - UnionPay Platinum Virtual Card: 3X bonus points (HK$1 = 3 points)3point rewardPoints
- Eligibility: Audience: all
- Eligible spending: Type: all
- Benefit limit: Applies to: not stated · Period: not stated · Type: not stated
- The page states 3X bonus points and shows HK$1 = 3 points; linked Spending Rewards details are not included in the retained evidence.
- The card is not applicable to cash advances, supplementary card applications, replacement or re-issuance, or services related to automated teller machines.
- The shared credit limit across Hong Kong dollars and Renminbi is a maximum of HK$30,000.
ICBC AXA Dual Currency Credit Card - UnionPay Platinum Virtual Card: 1 point per HK$1 AXA Hong Kong insurance payment1point rewardPointsCap: 100,000 point · per year
- Eligibility: Audience: all
- Eligible spending: Applies to: 保險 · Type: category
- Benefit limit: Amount: 100000 · Applies to: bonus points per customer from AXA Hong Kong insurance payments · Period: per year · Type: limited · Unit: point
- AXA Hong Kong insurance payments earn 1 point for every HK$1 payment.
- Each customer can accumulate up to 100,000 bonus points every year.
- Accumulated bonus points can be redeemed for cash rebate or mileage.
- Terms and Conditions apply; the linked terms are not included in the retained evidence.
- The card is not applicable to cash advances, supplementary card applications, replacement or re-issuance, or services related to automated teller machines.
- The shared credit limit across Hong Kong dollars and Renminbi is a maximum of HK$30,000.
ICBC AXA Dual Currency Credit Card - UnionPay Platinum Virtual Card: 12-month AXA insurance premium instalment plan12months quantityConditions applyFinancing
- Eligibility: Audience: all
- Eligible spending: Applies to: 保險 · Type: category
- Benefit limit: Applies to: not stated · Period: not stated · Type: not stated
- Application or registration is required.
- The plan applies when the customer settles an AXA insurance payment with the card.
- Charges and interest rates are not stated on this page; the page refers to the Insurance Premium Instalment Plan Application Form.
- The card is not applicable to cash advances, supplementary card applications, replacement or re-issuance, or services related to automated teller machines.
- The shared credit limit across Hong Kong dollars and Renminbi is a maximum of HK$30,000.
ICBC AXA Dual Currency Credit Card - UnionPay Platinum Virtual Card: Apple Pay cardless shopping convenience（優惠值未列明）—Value not statedConditions applyLifestyle
- Eligibility: Audience: all
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: not stated · Period: not stated · Type: not stated
- Application or registration is required.
- Apple Pay is applicable to the ICBC AXA Dual Currency Credit Card - UnionPay Platinum Virtual Card.
- The card can be bound to Apple Pay for shopping with designated Apple devices in stores, apps, or on the web that accept Apple Pay.
- The above services are subject to Terms and Conditions; the linked terms are not included in the retained evidence.
- The card is not applicable to cash advances, supplementary card applications, replacement or re-issuance, or services related to automated teller machines.
- The shared credit limit across Hong Kong dollars and Renminbi is a maximum of HK$30,000.