ICBC Visa Platinum

Apply for ICBC Visa Platinum 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 Visa Platinum

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.
  • Redeem a wide variety of amazing gifts and rewards.

Free Travel Protection

Travel protection
Travel Coverage Sum Insured
Travel Insurance up to RM100,000

Fees and Charges

Annual fee

RM349.80, but free for the first year.

Waived when you swipe at least 3 times per annum in subsequent years.

Annual Fee for Supplementary Card RM174.90
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Cash withdrawal fee RM21.20 or 5.30% of withdrawn amount, whichever is higher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 100,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old