ICBC Credit Card Visa 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 (6)
積分獎賞：1 Bonus Point per HKD/RMB1 spent1Bonus Points ratePoints
- Eligibility: Audience: all
- Eligible spending: Type: all
- Benefit limit: Period: not stated · Type: not stated
- Percentage note: This is a points earning rate. The local source does not state a cash equivalent conversion ratio.
- For every HKD or RMB spent with the ICBC Visa Platinum Card, the cardholder receives 1 Bonus Point.
- Accumulated Bonus Points can be redeemed for cash rebate, mileage, or charity donation under the selected bonus point scheme.
- Bonus Points for the card are valid for 3 years.
- The reward is subject to relevant terms and conditions; the linked Spending Rewards terms are not included in the local source set.
積分獎賞：HK$8 = 1 Air China PhoenixMiles mile1PhoenixMiles rateConditions applyPoints
- Eligibility: Audience: all
- Eligible spending: Type: all
- Benefit limit: Period: not stated · Type: not stated
- Percentage note: This is a mileage conversion rate. The local source does not state a cash equivalent value.
- Application or registration is required.
- The cardholder can choose Air China PhoenixMiles; every HK$8 converts to 1 mile.
- The underlying Bonus Point Scheme awards 1 Bonus Point per HKD/RMB spent, and Bonus Points are valid for 3 years.
- The local source does not state a cash-equivalent value, redemption fee, mileage cap, or transfer timing.
- The offer is subject to relevant terms and conditions; the linked Spending Rewards terms are not included in the local source set.
餐飲（優惠值未列明）—Value not statedLifestyle
- Eligibility: Audience: all
- Eligible spending: Applies to: 餐飲 · Type: category
- Benefit limit: Period: not stated · Type: not stated
- Percentage note: The source states a privilege but no numeric rate or fixed comparison basis.
- The complete list of eligible merchants is not available.
- ICBC Visa Platinum Card customers can enjoy exclusive dining privileges at selected merchants throughout the year.
- The local source does not state the exact privilege, discount rate, cap, validity dates, or a complete merchant list.
- The offer is subject to relevant terms and conditions; linked merchant details are not included in the local source set.
購物（優惠值未列明）—Value not statedLifestyle
- Eligibility: Audience: all
- Eligible spending: Applies to: 購物 · Type: category
- Benefit limit: Period: not stated · Type: not stated
- Percentage note: The source states a privilege but no numeric rate or fixed comparison basis.
- The complete list of eligible merchants is not available.
- ICBC Visa Platinum Card customers can enjoy exclusive shopping privileges at selected merchants throughout the year.
- The local source does not state the exact privilege, discount rate, cap, validity dates, or a complete merchant list.
- The offer is subject to relevant terms and conditions; linked merchant details are not included in the local source set.
卡片優惠：Payment through PPS, JET Payment, Autopay, crossed HKD cheque, or direct cash deposit at an ICBC (Asia) branch—Value not statedOther
- Eligibility: Audience: all
- Eligible spending: Type: not applicable
- Benefit limit: Period: not stated · Type: not stated
- Percentage note: This is a payment service feature with no percentage basis.
- The page lists PPS, JET Payment, Autopay, crossed HKD cheque payable to ICBC (Asia) Credit Card Centre, and direct cash deposit at any ICBC (Asia) branch.
- The page presents these methods as convenient ways to settle the credit-card payment.
卡片優惠：Fund transfer through JETCO-sign ATMs, ICBC (Asia) Phone Banking Services, or Internet Banking Services—Value not statedConditions applyOther
- Eligibility: Audience: all
- Eligible spending: Type: not applicable
- Benefit limit: Period: not stated · Type: not stated
- Percentage note: This is a payment service feature with no percentage basis.
- Application or registration is required.
- The cardholder can arrange fund transfer from ICBC (Asia) account(s) through ATMs carrying the JETCO sign, ICBC (Asia) Phone Banking Services, or Internet Banking Services.
- Phone Banking requires an HKD savings account with ICBC (Asia) and successful application for Phone Banking Service.
- Internet Banking requires an HKD savings account with ICBC (Asia) and successful application for Internet Banking Services.