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ICBC Platinum Visa Card

Apply for ICBC Platinum Visa Card by ICBC

This card from ICBC is suitable for you if you are a Malaysian who often travels to or resides in China for long periods of time!

ICBC Platinum Visa Card

Product Highlights

Bonus Points Rewards

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!

20 Days Interest-Free Period

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



Local rewards
Earn Spent In
1x Bonus Points Per RM 1 Local retail transactions
1x Bonus Points Per RMB 2 China retail transactions
  • Bonus points never expire 

Fees and Charges

Annual Fee For Primary Card RM 333*
Annual Fee For Supplementary Card RM 165*
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Cash Withdrawal Fee RM 20 or 5% of the withdrawn amount, whichever is higher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 3 transactions p.a.

Interest Rate

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 100,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old
Who Can Apply Anyone