ICBC LINE FRIENDS Credit Card

Privileges for Hong Kong LINE FRIENDS

Spend with the Card to enjoy various privileges, include:

• 5% shopping discount on selected items at LINE FRIENDS POP-UP STORE in Hong Kong on the 8th, 18th and 28th of every month
• Priority invitation for designated Hong Kong LINE FRIENDS activities

Cash Rebate (without limit)

Enjoy cash rebate by spending with the Card. Rebate will be automatically converted on monthly basis¹:

1.Cash rebate is 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)") at its sole discretion determine from time to time). Also, the cash rebate is 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 reward.

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 as low as 5.29%)²
• 12, 24 and 36 month installment plan of your choice
• No documents are required
• Application Hotline³: 2533 8686

2.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.

3. 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.

ICBC | LINE FRIENDS Visa Signature Card offers:

Personal accident insurance travelling on public conveyance

• Personal Accident Insurance (up to US$ 500,000)

Provide insurance cover to person insured against accidental death or permanent disablement, loss of limb, loss of sight, loss of speech, loss of hearing as a result of accident during a journey on public conveyance.

For policy detail, please contact Customer Service Hotline of Aon Hong Kong Limited* : 2861 6666 (Monday-Friday 9am to 5:30pm, expect public holidays).

* Aon Hong Kong Ltd (“AON”) is insurance broker for the above group insurance plan and will support customers in inquiries about insurance plans and assist in claim applications.

This personal accident insurance travelling on public conveyance is applicable to eligible cardholders holding ICBC Horoscope Visa Signature Card/ ICBC | LINE FRIENDS Visa Signature Card (CONY card face)/ ICBC Visa Signature Card/ ICBC World Corporate Mastercard/ ICBC UnionPay Diamond corporate card/ ICBC Corporate Mastercard/ ICBC UnionPay Platinum Corporate Card. The above is intended only as a general summary for reference. The above personal accident insurance travelling on public conveyance is a group insurance contract underwritten by AXA Insurance Company Limited ("AXA") and issued to Industrial and Commercial Bank of China (Asia) Limited as the policyholder. Industrial and Commercial Bank of China (Asia) Limited is not an insurance agent of AXA, and the relevant insurance plan is the product of AXA and not Industrial and Commercial Bank of China (Asia) Limited. Customers are bound by the service terms and policy terms as amended from time to time for this personal accident insurance travelling on public conveyance. All claims, disputes and complaints should be referred directly to AXA. Customers may need to provide personal data or information to AXA or its service provider (whether within or outside HKSAR) for the purpose of provision of the relevant services to the customers. The scope of coverage, exclusions, indemnity limits and compensation are subject to the detailed terms and conditions of the relevant group insurance policy. ICBC (Asia) is the policy holder and not the provider of this service and will not be responsible for any related liabilities and obligations.For details, please refer to Travel Insurance Benefit and the Policy.

Visa Contactless Payment Visa

With Visa Contactless Payment, you can simply tap and pay with your ICBC | LINE FREINDS Visa Signature Card on the card terminal that support contactless payment function. It’s fast, convenient. Look for the contactless symbol" " and enjoy the ease of contactless payment today!

ICBC | LINE FRIENDS UnionPay Dual Currency Diamond Card offers:

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

With 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 | LINE FRIENDS UnionPay Dual Currency Diamond cards to enjoy numerous Hong Kong, Macau and cross-border privileges.

Apply Now!

• Click to download Cardholder Agreement
• Click to download Fees Schedule and Charges

Reminders:
To borrow or not to borrow ? Borrow only if you can repay!
Protect your Personal Digital Keys; Beware of Fraudulent Links!
Don't lend or sell your account for a job.

"ICBC (Asia)" or "The Bank" is the abbreviation of Industrial and Commercial Bank of China (Asia) Limited.