ICBC Greater Bay Area Credit Cards

Online Application Gift

Extra HK$50 Free Credit Card Spending Limit for each card is eligible to new customers who successfully apply designated ICBC (Asia) credit cards upon card approval. The application should take via online.

  • ICBC Greater Bay Area UnionPay Dual Currency Diamond Card and ICBC Greater Bay Area World Master Card【Apply Now

For details, please refer to Terms and Conditions of the Online Application Gift.

Welcome Offer

New customers who successfully apply for ICBC Greater Bay Area UnionPay Dual Currency Diamond Card / ICBC Greater Bay Area UnionPay Dual Currency Platinum Card and ICBC Greater Bay Area World Mastercard / ICBC Greater Bay Area Platinum Mastercard can enjoy

  • 24” Starry Luggage (Suggested retail price:HK$980) 1; or
  • HK$300 Free Credit Card Spending Limit *

1. To be entitled to the relevant welcome offer, new customers are required to accumulate retail spending or cash advance for HK$/RMB1,500 with each card within the first 2 months of new cards issuance. For details, please refer to Terms and Conditions of the Welcome Offer.

Spending Reward

Cardholder can choose cash rebate as their spending rewards. Every dollar (HKD or RMB) spends with the card will entitle 0.5% cash rebate2 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, it will be credited to the HKD account and shown on the statement.

From 1 May, 2021, new ICBC Greater Bay Area UnionPay Dual Currency Diamond Card customers can enjoy 3X reward 2(equivalent to 3X bonus point or 1.5% cash rebate) for local or overseas spending with the card, without any limit.

2.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 types (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 Rewards 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.

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

Cardholders of ICBC Greater Bay Area UnionPay Dual Currency 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.

Credit Card Spending Installment Plan

Every spending with choice of installment plan for you to enjoy fabulous shopping delights!

  • Super-Low Monthly Flat Rate at 0.235% (APR is 5.29%)4
  • 12, 24 and 36 month installment plan of your choice
  • No documents are required
  • Application Hotline5: 2533 8686

4. Monthly flat rate 0.235% ,Annualised Percentage Rate (APR) 5.29% are calculated based on Spending Installment amount HK$10,000, Monthly flat rate 0.235% and 12-month repayment tenor. For 24-month and 36-month tenor, APR are 5.46% and 5.48% respectively. The APR is calculated based on the guidelines as set out in the Code of Banking Practice. The Bank shall have the right at its discretion to apportion any Installment payment between interest and principal in such manner as it shall desire. The annualised percentage rate is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate. Terms and conditions apply, for more details on terms and conditions and relevant fee and charges,please visit www.icbcasia.com or call the Customer Service Hotline 2533 8686.
5.Office hour of the Customer Service Hotline: Monday - Friday: 10am - 6pm, except Public Holidays. After language option is selected, please press ‘9’ to talk to a Customer Service representative.

Exclusive Privileges of ICBC Greater Bay Area UnionPay Dual Currency Card:

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 Greater Bay Area UnionPay Dual Currency 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 a waiver of foreign exchange fee on spending in CNY and foreign currencies.

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

Download the 'UnionPay App' with mobile phone and bind with ICBC UnionPay cards to enjoy numerous Hong Kong, Macau and cross-border privileges.

Waive Handling Fee of Overseas Spending

Spend at Overseas with ICBC Greater Bay Area UnionPay Dual Currency Card to enjoy handling fee waiver and be exempted from extra charges caused by currency exchange and fluctuation of conversion rates.

Apply Now!

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