ICBC Gold Visa Card by ICBC

Earn bonus points at a rate of RM1 = 1 Bonus Point or RMB 2 = 1 Bonus Point. You can use these points to redeem great gifts from ICBC!

Enjoy 20 days interest free period when you pay your balance in full and on time!

Earn	Spent In
1x Bonus Points Per RM 1	Local retail transactions
1x Bonus Points Per RMB 2	China retail transactions

Annual Fee For Primary Card	RM 150*
Annual Fee For Supplementary Card	RM 75*
Minimum Monthly Payment	RM 50 or 5% of the outstanding amount, whichever is higher
Late Payment Fee	RM 5 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 50
Cash Withdrawal Fee	RM 20 or 5% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals	18% p.a.

*First year waived. Subsequent years waived you make a minimum for 5 transactions p.a.

13.5% Per Annum	Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months
16.0% Per Annum	Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle
17.5% Per Annum	Tier 3: Cardmembers who do not fall within the above categories

Minimum Annual Income	RM 48,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	Anyone

Apply for ICBC Gold Visa Card by ICBC