ICBC Visa Classic

Apply for ICBC Visa Classic by ICBC

A global card from ICBC, earn reward points as you spend and travel with peace of mind!

ICBC Visa Classic

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!

Travel protection
Free Global Travel Protection

Enjoy free global travel protection courtesy of ICBC!

Free Purchase Protection

Enjoy free purchase protection courtesy of ICBC!



Local rewards
Earn Spent
1 Point on every RM1 on all local and overseas retail expenses
  • Your reward points never expire.

Fees and Charges

Annual fee

RM79.50 , but free for the first year.

Waived when you swipe at least 5 times per annum in subsequent years.

Annual Fee for Supplementary Card RM37.10
Minimum monthly payment RM50 or 5% of outstanding amount
Late payment fee RM5 or 1% of outstanding amount, up to maximum of RM50
Cash withdrawal fee RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest rate on cash withdrawals 18%
*inclusive of 6% GST

Interest Rate

13.5% Interest Rate Per Annum Tier 1: Cardholders with prompt payments for 12 consecutive months
16% Interest Rate Per Annum Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.
17.5% Interest Rate Per Annum Tier 3: Cardholders who do not fall under the above categories.


Minimum Annual Income RM 24,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old