ICBC UnionPay Dual Currency Diamond Card

ICBC UnionPay Dual Currency Diamond Card has prepared an array of benefits for you; whether it is family vacation, shopping or business travel you are considering, you will enjoy thorough and heartfelt services those give you not only the convenience of a well-managed account but also a brand new experience in comfortable and easy living.

Welcome Offer

New customers who successfully apply for ICBC UnionPay Dual Currency Diamond Card can enjoy

  • HK$150 Free Credit Card Spending Limit*

*To be entitled to the relevant welcome offer, new customers are required to accumulate retail spending or cash advance for HK$1,500 or above within the first 2 months of new cards issuance. For details, please refer to Terms and Conditions of the Welcome Offer.

Rewards Program

Bonus Point / Mileage

For every HKD/ RMB spent with your ICBC UnionPay Dual Currency Diamond Card, you will receive 1 point 1. Accumulated bonus points can be redeemed for cash coupon or mileage.


You can also choose PhoenixMiles Mileage Rewards, for every HK$8 will be converted to 1 mileage.

Airlines cover the whole world: 21 countries and 100 cities.You only need 8,000km PhoenixMiles Mileage Rewards to get a one-way short-haul flight ticket2.

Cash Rebate

Moreover, you can either choose cash rebate as spending rewards. Every dollar (HKD or RMB) spends with the card will entitle 0.5% cash rebate1. HKD & RMB spending will be combined for accumulated transactions amount calculation; RMB¥1 spending will be calculated as HKD$1. Rebate amount will be calculated on a monthly basis automatically, it will be credited to the HKD account and shown on the statement.

1.Bonus point and cash rebate are not applicable to cash advances, balance transfer, cash installment loan amount/ tax loan and personal loan amount/ merchant installment loan amount and the repayment amount, reload/ transfer of e-wallet (including but not limited to Alipay, PayMe, Tap & Go and WeChat Pay), donations, purchase of casino chips, gambling transactions, unauthorized transactions, all payment type (including but not limited to credit card charges, cash installment, any financial charges, overdue charges, all account service charges, settlement through online personal banking service or ATM for insurance payment or utilities bills, tax payment, payment for MPF contribution etc. or other categories as Industrial and Commercial Bank of China (Asia) Limited ("ICBC (Asia)") may at our sole discretion determine from time to time). Also, the bonus point and cash rebate are not applicable to the transactions of supermarkets, fuel, transportation fees, property, motor vehicle, wholesale, hospital and tuition in China etc. (transaction types are determined according to the merchant categories as defined time to time by Visa, MasterCard and UnionPay and reserves the right to change the merchant categories from time to time, or at its sole discretion of ICBC(Asia). Transactions which have not been posted, cancelled, refunded or not authorized are not eligible to the rewards.

2. PhoenixMiles Mileage Rewards are bound by the relevant terms and conditions set by ICBC (Asia) and PhoenixMiles, Air China.

VIP lounge service at over 1,000 global airports and high-speed railway stations3

Cardholders of ICBC UnionPay Dual Currency Diamond Card who log on to the “ DragonPass “ official website and make payment and complete the verification process can enjoy the VIP lounge services at over 1,000 global airports and high-speed railway stations.

3.Promotional period is valid till 31 December 2021 (the last day is inclusive). The offer is applicable to designated credit cards only. The VIP lounge service network at high-speed railway stations in Mainland China is inapplicable to UnionPay cardholders. Global VIP lounge service network:https://institution.dragonpass.com.cn/icbc-intl/index/ or https://v.icbc.com.cn/userfiles/Resources/ICBC/haiwai/Asia/download/EN/2021/dragonpass_en_2021r1.pdf.

Payment and Travel Convenience Across the Greater Bay Area

Cardholder can enjoy a hassle-free journey across the Greater Bay area via a series of convenient payment services with the Card. This includes designated Hong Kong taxis, cross-bridge fare of Hong Kong-Zhuhai-Macau Bridge, Chu Kong Passenger Transport, Eternal East Cross-Border Coach, China Train 12306, Guangzhou and Shenzhen Metro gates, Shenzhen Metro Line 4 self-service ticket vending machine, Shenzhen taxis and Guangzhou public buses.

Two Currencies in One Card

ICBC UnionPay Dual Currency Diamond Card has both HKD and RMB accounts in one card, you can spend with the local currency across Mainland China and Hong Kong, and enjoy two currencies in one card.

Experience the new QR code payment convenience via 'UnionPay App'

Download the 'UnionPay App' with mobile phone and bind with ICBC UnionPay Dual Currency Diamond Card to enjoy numerous Hong Kong, Macao and cross-border privileges.

Apply Now

Reminder: To borrow or not to borrow ? Borrow only if you can repay !