ICBC Essence Credit Card Visa Infinite

Bank: ICBC (Asia)
Issuer: ICBC
Annual fee
Income requirement
Network
Verified date
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Saving by category

Estimated saving at the selected amount. Conditions apply. Blank values have no supported estimate.

Category	Saved percentage	Conditions
Dining	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Fine dining	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Local dining	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Fast food	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Food delivery	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Cafés, bakeries and desserts	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Groceries	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Markets	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Supermarkets	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Convenience stores	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Shopping	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Fashion	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Sports and outdoors	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Department stores	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Electronics	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Home and furniture	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Jewellery and watches	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Books and stationery	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Pet supplies	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Online shopping	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Overseas online shopping	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Local online shopping	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Online groceries	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Online fashion and sports	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Transport	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Local transport	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Parking	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Fuel and EV charging	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Taxis, rides and car rental	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Travel	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Hotels	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Travel bookings	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Airlines	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Travel agencies	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Entertainment	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Cinemas	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Games	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Streaming	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Theme parks and attractions	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Concerts and tickets	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Bills and utilities	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Telecommunications	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Government payments	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Electricity and gas	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Water	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Health and wellness	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Medical services	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Pharmacies and supplements	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Fitness	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Beauty and personal care	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Education	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Tuition and courses	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Overseas spending	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Mainland China spending	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Macau spending	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
E-wallet spending	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
E-wallet top-ups	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
WeChat Pay
AlipayHK
Octopus	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
PayMe	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Mobile payments	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Google Pay	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Apple Pay	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Samsung Pay	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Insurance	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Rent	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Charitable donations	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Loans and installments	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗
Other	2%	Conditions and calculation Source-stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. Limit: unlimited. Applies to all eligible spending, subject to the conditions. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. 現金回贈：2% cash rebate: 2% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Period: not stated · Type: unlimited Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1. The cash rebate applies to spending without an upper limit. HKD and RMB spending are combined for accumulated transaction amount calculation. RMB1 spending is calculated as HKD1. The rebate is calculated monthly, credited to the HKD account, and shown on the statement. Open source offer ↗

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 saving

Conditions 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

Open source offer ↗

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 saving

Conditions 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

Open source offer ↗

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 saving

Conditions 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

Open source offer ↗

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 saving

Conditions 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

Open source offer ↗

ICBC信用卡送環亞貴賓室禮遇1次

1次 quantity

Conditions 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

Open source offer ↗

Credit card offers (32)

卡片優惠：Up to 3 supplementary cards under the same credit limit

Up to3supplementary cards under the same credit limit quantity

Conditions applyLifestyleCap: 3 cards · not stated

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Amount: 3 · Applies to: Supplementary Cards · Period: not stated · Type: limited · Unit: cards
Percentage note: No source supported spending percentage applies.
Application or registration is required.
The Principal Cardholder is entitled to 3 Supplementary Cards under the same credit limit.
Supplementary Card application is available only to the spouse or children of the Principal Cardholder.
Supplementary Cards terminate if the Principal Cardholder no longer holds a valid ICBC Essence Credit Card.

Open source offer ↗

現金回贈：2% cash rebate

2%saving

Cashback

Eligibility: Audience: all
Eligible spending: Type: all
Benefit limit: Period: not stated · Type: unlimited
Percentage note: Source stated 2%; HKD and RMB spending are combined and RMB1 is counted as HKD1.
The cash rebate applies to spending without an upper limit.
HKD and RMB spending are combined for accumulated transaction amount calculation.
RMB1 spending is calculated as HKD1.
The rebate is calculated monthly, credited to the HKD account, and shown on the statement.

Open source offer ↗

費用豁免：Waiver of HK$6,800 annual fee

6,800HKD saving

Fee Waiver

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
The chargeable annual fee for each Principal Card issued is HK$6,800.
Selected customers who hold a valid ICBC Essence Credit Card Principal Card enjoy the annual fee waiver.

Open source offer ↗

費用豁免：Waiver of HK$3,000 annual fee

3,000HKD saving

Fee Waiver

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
The chargeable annual fee for each Supplementary Card issued is HK$3,000.
Selected customers who hold a valid ICBC Essence Credit Card Principal Card enjoy the annual fee waiver for Supplementary Cards.

Open source offer ↗

分期優惠：0.235% monthly flat rate

0.235%rate

Conditions applyFinancing

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
Percentage note: Financing rate is not a reward percentage; the source stated APR is preserved in constraints.
Application or registration is required.
No documents are required for the Credit Card Spending Installment Plan.
The 12-month tenor is one of the available installment-plan choices.
The monthly flat rate is 0.235%.
The stated APR for the 12-month tenor is 5.29%, based on the source's HK$10,000 example where applicable.
Terms, fees, and the Code of Banking Practice disclosures apply.
The application hotline is 2533 8686.

Open source offer ↗

分期優惠：0.235% monthly flat rate

0.235%rate

Conditions applyFinancing

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
Percentage note: Financing rate is not a reward percentage; the source stated APR is preserved in constraints.
Application or registration is required.
No documents are required for the Credit Card Spending Installment Plan.
The 24-month tenor is one of the available installment-plan choices.
The monthly flat rate is 0.235%.
The stated APR for the 24-month tenor is 5.46%, based on the source's HK$10,000 example where applicable.
Terms, fees, and the Code of Banking Practice disclosures apply.
The application hotline is 2533 8686.

Open source offer ↗

分期優惠：0.235% monthly flat rate

0.235%rate

Conditions applyFinancing

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
Percentage note: Financing rate is not a reward percentage; the source stated APR is preserved in constraints.
Application or registration is required.
No documents are required for the Credit Card Spending Installment Plan.
The 36-month tenor is one of the available installment-plan choices.
The monthly flat rate is 0.235%.
The stated APR for the 36-month tenor is 5.48%, based on the source's HK$10,000 example where applicable.
Terms, fees, and the Code of Banking Practice disclosures apply.
The application hotline is 2533 8686.

Open source offer ↗

卡片禮遇：Visa Concierge 24/7 support, services, and exclusive privileges

—Value not stated

Lifestyle

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
Visa Concierge provides 24/7 support.
Services include emergency support, travel and medical assistance, business and leisure assistance, restaurant and getaway reservations, local recommendations, and virtual or outdoor experiences.
Visa Concierge app and phone access are subject to Visa service terms.

Open source offer ↗

旅遊：designated airport lounge services for the cardholder

—Value not stated

Conditions applyTravelPeriod Limited

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: unlimited
Percentage note: No source supported spending percentage applies.
Application or registration is required.
From 1 April 2026 to 31 March 2027, both dates inclusive, eligible Essence customers receive unlimited designated lounge services.
The unlimited entitlement applies to the cardholder's designated airport lounge services.
DragonPass registration and activation are required; one card registration is used for the service.
Lounge capacity, operating hours, network changes, and DragonPass terms apply.
DragonPass promotion period: 2026-04-01 – 2027-03-31

Open source offer ↗

旅遊：designated high-speed rail lounge services for the cardholder

—Value not stated

Conditions applyTravelPeriod Limited

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: unlimited
Percentage note: No source supported spending percentage applies.
Application or registration is required.
From 1 April 2026 to 31 March 2027, both dates inclusive, eligible Essence customers receive unlimited designated lounge services.
The unlimited entitlement applies to the cardholder's designated high-speed rail lounge services.
DragonPass registration and activation are required; one card registration is used for the service.
Lounge capacity, operating hours, network changes, and DragonPass terms apply.
DragonPass promotion period: 2026-04-01 – 2027-03-31

Open source offer ↗

旅遊：Up to 10 free designated airport lounge visits

Up to10designated airport lounge visits quantity

Conditions applyTravelPeriod LimitedCap: 10 visits · promotion total

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Amount: 10 · Applies to: Companion visits to designated airport lounges · Period: promotion total · Type: limited · Unit: visits
Percentage note: No source supported spending percentage applies.
Application or registration is required.
A companion may use designated airport lounges up to 10 times free during the promotion period.
Plaza Premium First is included among the designated airport lounges stated in the HTML summary.
The service applies to eligible Essence cardholders and requires DragonPass registration and activation.
Cardholder and supplementary-card entitlements are calculated separately; service is personal and non-transferable.
Lounge capacity, operating hours, network changes, and DragonPass terms apply.
DragonPass promotion period: 2026-04-01 – 2027-03-31

Open source offer ↗

旅遊：Up to 20 free designated high-speed rail lounge visits

Up to20designated high-speed rail lounge visits quantity

Conditions applyTravelPeriod LimitedCap: 20 visits · promotion total

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Amount: 20 · Applies to: Companion visits to designated high speed rail lounges · Period: promotion total · Type: limited · Unit: visits
Percentage note: No source supported spending percentage applies.
Application or registration is required.
A companion may use designated high-speed rail lounges up to 20 times free during the promotion period.
The service applies to eligible Essence cardholders and requires DragonPass registration and activation.
Cardholder and supplementary-card entitlements are calculated separately; service is personal and non-transferable.
Lounge capacity, operating hours, network changes, network changes, and DragonPass terms apply.
DragonPass promotion period: 2026-04-01 – 2027-03-31

Open source offer ↗

King S Limousine：Two complimentary one-way Hong Kong International Airport limousine transfer services

2one-way airport limousine transfer services quantity

Conditions applyTravelPeriod Limitedessence ceramic cardCap: 2 services · promotion total

Eligibility: Audience: all
Eligible spending: Type: not applicable
Requirements: Pay with: essence ceramic card
Benefit limit: Amount: 2 · Applies to: One way airport limousine transfer services · Period: promotion total · Type: limited · Unit: services
Percentage note: No source supported spending percentage applies.
Application or registration is required.
The offer is for ICBC Essence Ceramic Cardholders only.
The first two one-way charges for transfer to or from Hong Kong International Airport are refunded as free credit-card spending limit.
The customer must book the service and pay with the Essence Ceramic Card.
The refund is made 6 to 8 weeks after the first working day of the following month and is not cash.
Bookings must be made at least 48 hours in advance; the supplier accepts bookings from 48 hours to 60 days before travel.
King's Limousine is the service provider. One destination, baggage, tunnel and bridge tolls, and stated early-morning surcharge treatment apply.
Changes and cancellations, waiting time, extra stops, child restraints, bad weather, and other supplier charges follow the formal service terms.
2026-2027 Q1 complimentary airport limousine service period: 2026-07-15 – 2027-03-31

Open source offer ↗

酒店：Discounts and VIP privileges at 900+ global luxury hotels and resorts with best-rate guarantee

—Value not stated

Travel

Eligibility: Audience: all
Eligible spending: Applies to: 酒店 · Type: category
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
The complete list of eligible merchants is not available.
Visa partner offers cover more than 900 global luxury hotels and resorts.
The stated benefit includes discounts, VIP privileges, and a best-rate guarantee.
Availability, booking channel, participating properties, and Visa partner terms apply.

Open source offer ↗

的士／網約車／租車：Up to 48% off

Up to48%saving

Discount

Eligibility: Audience: all
Eligible spending: Applies to: 的士／網約車／租車 · Type: category
Benefit limit: Period: not stated · Type: not stated
Percentage note: Source stated maximum; eligible Visa partner terms apply.
The complete list of eligible merchants is not available.
The source states a maximum discount of up to 48% for limousine services.
Eligible Visa partner services, booking conditions, availability, and partner terms apply.

Open source offer ↗

Hertz car-rental offers including one-day complimentary rental

—Value not stated

Travel

Eligibility: Audience: all
Eligible spending: Applies to: hertz · Type: merchant
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
The source names Hertz and states car-rental offers including one-day complimentary rental.
Eligible locations, booking conditions, vehicle rules, availability, and Visa partner terms apply.

Open source offer ↗

保險：Travel accidental medical insurance up to US$25,000 per insured person

Up to25,000USD

TravelPeriod Limiteddesignated cardCap: 25,000 currency · per transaction

Eligibility: Audience: all
Eligible spending: Type: not applicable
Requirements: Pay with: designated card
Benefit limit: Amount: 25000 · Applies to: Travel medical and related expenses per insured person · Currency: USD · Period: per transaction · Type: limited · Unit: currency
Percentage note: No source supported spending percentage applies.
The insurance period is 24 June 2026 to 23 June 2027.
Eligible designated Private Banking Visa Infinite Essence cardholders are covered; spouse and unmarried-child age rules in the factsheet apply.
At least 50% of the public conveyance fare must be charged to the designated Visa Infinite Essence Card.
No cover applies when the passenger fare is paid through built-in Octopus Automatic Add Value.
The AXA policy and certificate terms control coverage, exclusions, and claims.
The medical and related expense limit is US$25,000 per insured person.
Private Bank Travel Insurance Benefit insurance period: 2026-06-24 – 2027-06-23

Open source offer ↗

保險：Travel personal accident insurance up to US$1,000,000 per insured person

Up to1,000,000USD

TravelPeriod Limiteddesignated cardCap: 1,000,000 currency · per transaction

Eligibility: Audience: all
Eligible spending: Type: not applicable
Requirements: Pay with: designated card
Benefit limit: Amount: 1000000 · Applies to: Travel personal accident insurance per insured person · Currency: USD · Period: per transaction · Type: limited · Unit: currency
Percentage note: No source supported spending percentage applies.
The insurance period is 24 June 2026 to 23 June 2027.
Eligible designated Private Banking Visa Infinite Essence cardholders are covered; spouse and unmarried-child age rules in the factsheet apply.
At least 50% of the public conveyance fare must be charged to the designated Visa Infinite Essence Card.
No cover applies when the passenger fare is paid through built-in Octopus Automatic Add Value.
The AXA policy and certificate terms control coverage, exclusions, and claims.
The personal accident limit is US$1,000,000 per insured person.
Private Bank Travel Insurance Benefit insurance period: 2026-06-24 – 2027-06-23

Open source offer ↗

保險：Worldwide emergency assistance services with costs fully covered

—Value not stated

TravelPeriod Limiteddesignated card

Eligibility: Audience: all
Eligible spending: Type: not applicable
Requirements: Pay with: designated card
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
The insurance period is 24 June 2026 to 23 June 2027.
Eligible designated Private Banking Visa Infinite Essence cardholders are covered; spouse and unmarried-child age rules in the factsheet apply.
At least 50% of the public conveyance fare must be charged to the designated Visa Infinite Essence Card.
No cover applies when the passenger fare is paid through built-in Octopus Automatic Add Value.
The AXA policy and certificate terms control coverage, exclusions, and claims.
Worldwide emergency assistance is fully covered, including the stated 24-hour hotline and emergency medical evacuation or repatriation support.
Private Bank Travel Insurance Benefit insurance period: 2026-06-24 – 2027-06-23

Open source offer ↗

高級餐廳：Dining privileges at global top restaurants and hotel chains

—Value not stated

Travel

Eligibility: Audience: all
Eligible spending: Applies to: 高級餐廳 · Type: category
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
The complete list of eligible merchants is not available.
The source describes global top restaurants and hotel chains; participating venues, availability, and Visa partner terms apply.
The page gives service classes and examples, not a complete local merchant list.

Open source offer ↗

購物：Premium shopping privileges

—Value not stated

Lifestyle

Eligibility: Audience: all
Eligible spending: Applies to: 購物 · Type: category
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
The complete list of eligible merchants is not available.
The source describes premium shopping offers; participating retailers, availability, and Visa partner terms apply.
The page gives service classes and examples, not a complete local merchant list.

Open source offer ↗

高級餐廳：Premium dining privileges

—Value not stated

Lifestyle

Eligibility: Audience: all
Eligible spending: Applies to: 高級餐廳 · Type: category
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
The complete list of eligible merchants is not available.
The source describes global top restaurants and hotel chains; participating venues, availability, and Visa partner terms apply.
The page gives service classes and examples, not a complete local merchant list.

Open source offer ↗

網上購物：Special discounts

—Value not stated

Discount

Eligibility: Audience: all
Eligible spending: Applies to: 網上購物 · Type: category
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
The complete list of eligible merchants is not available.
The source describes online shopping offers; participating merchants, availability, and Visa partner terms apply.
The page gives service classes and examples, not a complete local merchant list.

Open source offer ↗

百貨公司：Special discounts

—Value not stated

Discount

Eligibility: Audience: all
Eligible spending: Applies to: 百貨公司 · Type: category
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
The complete list of eligible merchants is not available.
The source describes local and international department-store offers; participating stores, availability, and Visa partner terms apply.
The page gives service classes and examples, not a complete local merchant list.

Open source offer ↗

珠寶／鐘錶：Special discounts at jewelers

—Value not stated

Discount

Eligibility: Audience: all
Eligible spending: Applies to: 珠寶／鐘錶 · Type: category
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
The complete list of eligible merchants is not available.
The source describes jeweler offers; participating merchants, availability, and Visa partner terms apply.
The page gives service classes and examples, not a complete local merchant list.

Open source offer ↗

美容／個人護理：Special discounts at cosmetics stores

—Value not stated

Discount

Eligibility: Audience: all
Eligible spending: Applies to: 美容／個人護理 · Type: category
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
The complete list of eligible merchants is not available.
The source describes cosmetics offers; participating merchants, availability, and Visa partner terms apply.
The page gives service classes and examples, not a complete local merchant list.

Open source offer ↗

時裝：Special discounts at apparel stores

—Value not stated

Discount

Eligibility: Audience: all
Eligible spending: Applies to: 時裝 · Type: category
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
The complete list of eligible merchants is not available.
The source describes apparel offers; participating merchants, availability, and Visa partner terms apply.
The page gives service classes and examples, not a complete local merchant list.

Open source offer ↗

網上購物：Online shopping insurance

—Value not stated

Travel

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
The page lists online shopping insurance as a card benefit.
Coverage, eligibility, exclusions, and claims follow the applicable insurance terms.

Open source offer ↗

購物：SUPREME membership for Chinese Arts & Crafts

—Value not stated

Lifestyle

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
The source lists SUPREME membership for Chinese Arts & Crafts.
Membership eligibility, privileges, and provider terms apply.

Open source offer ↗

Shopping privileges and 1-on-1 personal service with Memorigin brand representatives

—Value not stated

Lifestyle

Eligibility: Audience: all
Eligible spending: Applies to: memorigin · Type: merchant
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
The source names Memorigin and lists shopping privileges and one-to-one service with brand representatives.
Provider availability and terms apply.

Open source offer ↗

Prestigious offers in sartorial suit tailoring at Tai Pan Row（優惠值未列明）

—Value not stated

Lifestyle

Eligibility: Audience: all
Eligible spending: Applies to: tai pan row · Type: merchant
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
The source names Tai Pan Row and lists prestigious suit-tailoring offers.
Provider availability and terms apply.

Open source offer ↗

卡片禮遇：Invitation-only private banking value-added services

—Value not stated

Lifestyle

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Period: not stated · Type: not stated
Percentage note: No source supported spending percentage applies.
Personalized value-added services are available by invitation only.
Customers should contact their designated relationship manager for details.

Open source offer ↗