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Service Fee for Credit Card
 


Industrial and Commercial Bank of China (Thai) Public Company Limited
Details of Interest Rate, Penalty Fee, Service Fee and Other Fees Chargeable by Commercial Bank in Credit Card Business
Effective from 1st December 2019

1. Interest, penalty fee, service fee and other charges  
Interest 18% per year
Starting Date of Interest Calculation Calculate Interest at posting date of transaction
Late payment fee No Charge
Cash Advance Interest 18% per year
Starting Date of Cash Advance Interest Calculation Calculate Interest at Cash Advance Transaction Date
2. Minimum payment required Minimum Payment of 10% of the outstanding balance or minimum 500 THB whichever is higher
3. Cash advance fees*  
ICBC in Mainland China 1 % of the total cash advance amount
ICBC (Thai) 1 % of the total cash advance amount
ICBC Overseas 3 % of the total cash advance amount
Other banks in Mainland China 3 % of the total cash advance amount
Other banks in Thailand 3 % of the total cash advance amount
Other banks in Overseas 3 % of the total cash advance amount
4. Transfer fee (ICBC Thailand) 1 % of the total transfer amount
5. Interest fee period Up to 56 days from the posting date (Full Payment)
6. Fee by card type Platinum Gold Classic
Primary Card Supplement Card Primary Card Supplement Card Primary Card Supplement Card
VISA and CUP            
Joining fee Free Free Free Free Free Free
Annual fee 4,000 1,500 1,000 500 500 300
7. Payment charges  
7.1 Direct Debit from ICBC (Thai) Account No Charge
7.2 Pay Cash at ICBC (Thai) No Charge
7.3 Pay Cheque at ICBC (Thai) No Charge
7.4 Pay via Internet Banking No Charge
7.5 Pay through ICBC (Thai) ATM No Charge
7.6 Pay through BBL and KBank Counters No Charge
7.7 Pay through BBL and KBank Electronic Banking No Charge
7.8 Pay through all TESCO LOTUS services Service Charges depend on TESCO LOTUS fee rate
8. Inquiry fee  
ICBC in Mainland China Free
ICBC (Thai) Free
ICBC Overseas THB 20 per transaction
Other banks in Mainland China CNY 4 or THB 20 per transaction
Other banks in Thailand THB 10 per transaction
Other banks in Overseas THB 20 per transaction
9. Over Limit fee No Charge
10. Reject direct debit or bounced cheque fee ? No Charge
11. Copy of statement fee THB 100 per statement/month
12. Copy of sales slip fee THB 100 per copy for domestic transaction THB 300 copy for overseas transaction
13. Replacement of Card Password fee with envelop THB 200 per transaction
14. Replacement of credit card fee THB 200 per card
15. Debt collection fee No Charge
16. Cost of Exchange Risk
The Cardholder agrees and accepts that all expenses incurred from the Credit Card (including Cash advances and Cash withdrawals) in any currency other than Thai Baht shall be converted into Thai Baht pursuant to the inter-bank exchange rate as quoted by the credit card organizations of which the bank is a member, on the date that the Bank is notified of the spending or advanced amount. In addition, Cardholder acknowledges and agrees the Bank is entitled to charge the hedging premium from the Cardholder as determined by the Bank but not exceeding 2% of such exchange rates in order to mitigate the exchange rate risk.
17. Business Security Agreement Registration Fee  
17.1 Business Security Agreement Registration 0.1% of registration amount, maximum at THB 1,000 and bill payment THB 15
17.2 Registration Amount Increase 0.1% of increased registration amount, maximum at THB 1,000 and bill payment THB 15
17.3 Registration Amount Decrease THB 215 (included bill payment THB 15)
17.4 Business Security Agreement Adjustment, excluded the registered amount THB 215 (included bill payment THB 15)
17.5 Business Security Agreement Registration Cancellation (customer cancels Credit Card) THB 215 (included bill payment THB 15)
17.6 Business Security Agreement Registration Cancellation (customer defaults payment exceed 90 days) THB 215 (included bill payment THB 15)
Remarks:
1) Interest rates and fees are subject to change with prior notice from the Bank from time to time. Such change will be notified to Cardholder 30 days
(7 days for the urgency) in advance and will become effective in accordance with the applicable terms and conditions.
2) If the Cardholder makes the cash withdrawal at overseas ATM, the ATM assessment fee may be charged from the Acquiring Bank.
3) All fees are not included of VAT.
4) The Bank waives the annual fee for the first three years and waives the annual fee in subsequent years if customer use card and the amount reach the Bank’s promotion standard.
5) Business Security Agreement Registration Fee is in accordance with the ministerial regulations of Ministry of Commerce and Ministry of Finance.

  Remark:*Cash Advance Fees on other Bank’s ATMs network depends on each ATM fee rate.

  Service Fee for Credit Card >>


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