ICBC China Overseas Dual Currency Credit Card UnionPay Platinum
- 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 (7)
ICBC China Overseas Dual Currency Credit Card 24-hour free phone banking roaming service（優惠值未列明）—Value not statedTravelother
- Eligibility: Audience: other
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: service limit not stated · Period: not stated · Type: not stated
- Card application is only applicable to China Overseas staff.
- 24-hour free phone banking roaming service; terms and conditions apply. The terms are not stated in this source.
Waived foreign exchange fee on CNY and foreign-currency spending（優惠值未列明）—Value not statedFee Waiverother
- Eligibility: Audience: other
- Eligible spending: Applies to: 中國內地簽賬 / 海外簽賬 · Type: category
- Benefit limit: Applies to: fee waiver limit not stated · Period: not stated · Type: not stated
- Card application is only applicable to China Overseas staff.
- Applies to spending in CNY and foreign currencies; the amount and detailed terms of the foreign exchange fee waiver are not stated.
Greater Bay Area travel and transport payment convenience（優惠值未列明）—Value not statedTravelother
- Eligibility: Audience: other
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: service limit not stated · Period: not stated · Type: not stated
- Card application is only applicable to China Overseas staff.
- Payment services include designated Hong Kong taxis, Hong Kong-Zhuhai-Macau Bridge cross-bridge fares, Chu Kong Passenger Transport, Eternal East Cross-Border Coach, China Train 12306, Guangzhou and Shenzhen Metro gates, Shenzhen Metro Line 4 self-service ticket vending machine, Shenzhen taxis, and Guangzhou public buses.
Two currency accounts for local-currency spending in Mainland China and Hong Kong2currency accounts quantityOtherother
- Eligibility: Audience: other
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: account feature limit not stated · Period: not stated · Type: not stated
- Card application is only applicable to China Overseas staff.
- The card has HKD and RMB accounts and supports local-currency spending across Mainland China and Hong Kong.
UnionPay App QR-code payment privileges（優惠值未列明）—Value not statedConditions applyLifestyleother
- Eligibility: Audience: other
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: privilege limit not stated · Period: not stated · Type: not stated
- Application or registration is required.
- Card application is only applicable to China Overseas staff.
- Download the UnionPay App and bind the ICBC Dual Currency Credit Card to access Hong Kong, Macau, and cross-border privileges. The source does not state the specific privileges.
Credit Card Cash Installment Plan at a monthly flat rate（優惠值未列明）—Value not statedFinancingother
- Eligibility: Audience: other
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: cash installment limit not stated · Period: not stated · Type: not stated
- Card application is only applicable to China Overseas staff.
- The source states a monthly flat-rate offer but gives no rate. Terms and conditions apply; details are referred to ICBC (Asia) and the source gives hotline 218 95588.
Waived handling fee for RMB balance repayment in HKD（優惠值未列明）—Value not statedFee Waiverother
- Eligibility: Audience: other
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: handling fee waiver limit not stated · Period: not stated · Type: not stated
- Card application is only applicable to China Overseas staff.
- Applies when the customer settles the RMB card balance with HKD remittance. The bank converts HKD to RMB and uses the posting-date exchange rate for repayments posted on the next working day after payment. The source advises customers to prepare sufficient funds due to RMB fluctuations to avoid financial charges; any surplus is posted to the HKD account.