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!
Free Global Travel Protection
Enjoy free global travel protection courtesy of ICBC!
Free Purchase Protection
Enjoy free purchase protection courtesy of ICBC!
|1 Point on every RM1||on all local and overseas retail expenses|
- Your reward points never expire.
- Redeem a wide variety of amazing gifts and rewards.
Fees and Charges
RM159.00, but free for the first year.
Waived when you swipe at least 5 times per annum in subsequent years.
|Annual Fee for Supplementary Card||RM79.50|
|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|Cash withdrawal fee||RM21.20 or 5.30% of withdrawn amount, whichever is higher|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%|
|13.5% Interest Rate Per Annum||Tier 1: Cardholders with prompt payments for 12 consecutive months|
|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 48,000|
|Minimum Age For Primary Card||21 years old|
|Minimum Age For Supplementary Card||18 years old|
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