ICBC Virtual Digital Credit Card

ICBC UnionPay Dual Currency Virtual Digital Credit Card (“ICBC UnionPay Digital Card”) and ICBC Mastercard Virtual Digital Credit Card (“ICBC Digital Mastercard”) (collectively known as the “ICBC Digital Card”) are ready for use upon approval! Just a few steps to apply for the card.

Online Application Gift

Extra HK$50 Free Credit Card Spending Limit*for each ICBC Digital Card is available for new customers who successfully applied online and being granted the designated ICBC Digital Cards.

+Terms and Conditions apply. Please refer to Terms and Conditions of the Welcome Offer for ICBC Digital Card for details.

Welcome Offer

New customers who successfully applied for ICBC Digital Card can enjoy the welcome offer #.

#To be entitled to the relevant welcome offer, new customers are required to accumulate retail spending or cash advance for the designated amount with each Digital Card within the first 2 months of the issuance of the new cards. Terms and Conditions apply. Please refer to Terms and Conditions of the Welcome Offer for ICBC Digital Card for details.

4 Exclusive Advantages

1. Simple

Customers can apply ICBC Digital Card through ICBC (Asia) website, mobile WAP or mobile app1
ICBC (Asia) selected customers2 do not need to submit income proof and address proof again for the application. New customers just need to scan your Hong Kong identity card, conduct facial recognition, complete the application form and upload your income and address proof3 .

2.Fast

Just a few steps to complete the entire application process and the card is ready to use upon approval of the application.

3. Secure

Dynamic password payment; up to HK$5,0004credit limit.

4. Convenient

Customers can pay for online shopping with ICBC Digital Card, and add your ICBC Digital Card into Mobile Payment Services* inside ICBC Mobile Banking app via your Android phone. Customers can also bind ICBC UnionPay Digital Card to Apple Pay^ to enjoy shopping convenience in physical stores.

How to apply

Method 1: Through ICBC (Asia) Mobile App

Step 1: Choose to apply for an ICBC Digital Card through ICBC (Asia) Mobile App

Step 2: Fill in the information for customer identity verification

ICBC (Asia) selected customers2do not need to submit income and address proof again for the application.

If you are a new customer, you are required to scan your Hong Kong identity card, conduct facial recognition, complete the application form and upload your income and address proof3.

Step 3: Confirm the application information and the application is successfully submitted.

How to download ICBC (Asia) App

Method 1: You can download “ICBC (Asia) ” app through Apple App Store or Google Play.

Method 2.:Scan below QR code to download “ICBC(Asia) ” app.

Method 2: Through ICBC (Asia) website or mobile WAP

Step 1: Choose to apply for an ICBC Digital Card through ICBC (Asia) website or mobile WAP

Step 2: Customer authentication

Step 3: Choose to apply for ICBC Digital Card

Step 4: Confirm the application information and the application is successfully submitted

Enjoy the convenience brought by the cardless payment

Customer can pay with ICBC Digital Card for online shopping and experience the convenience of cardless payment. Customer can also add your ICBC Digital Card into Mobile Payment Services* inside ICBC Mobile Banking app via your Android phone to enjoy convenient credit card mobile payment instantly.
For details on Mobile Payment Services inside ICBC Mobile Banking app, please click here for deatils.

By binding ICBC UnionPay Digital Card to Apple Pay^, you can enjoy shopping convenience when paying through designated Apple devices in any store, app or on web that accepts Apple Pay. Shopping is quicker, easier and safer whether you pay in the stores, apps or on web5.

Note: ICBC Digital Card is not applicable to cash advances, supplementary card applications, replacement or reissuance of ICBC Digital Card or services related to the use of automated teller machines.

* Online shopping payment and Mobile Payment Services inside ICBC Mobile Banking app are only applicable to ICBC UnionPay Digital Card and ICBC Digital Mastercard. Mobile Payment Services inside ICBC Mobile Banking app must be used on NFC phones with Android version below 10 (not included version 10) and operating system version 4.4.2 and above.

^ Apple Pay is only applicable to ICBC UnionPay Digital Card

1Customer can apply ICBC Digital Card through ICBC (Asia) Mobile app. If you want to apply ICBC Digital Card and physical card at the same time, you can apply through ICBC (Asia) website or mobile WAP.

2Selected customers refer to existing ICBC (Asia) credit card customers, existing ICBC (Asia) Auto-Payroll Service customers or existing customers with total assets of HK$20,000 or above in ICBC (Asia). For non-selected customers, they need to provide income and address proof to complete the application process.

3Customers are required to scan the Hong Kong identity card, conduct facial recognition, complete the application form and upload the income and address proof for the application.

4Each ICBC Digital Card customer has a maximum sharing credit limit (amongst Hong Kong Dollar and Renminbi) of HK$ 5,000.

5The above services are subject to terms and conditions.For details, please visit here

Apply now!

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