Industrial and Commercial Bank of China (Asia) Limited Debit Card

Important notice:

1.Notice of ICBC (Asia) UnionPay Debit Card Renewal, please click here.

2.Notice of Termination of “ICBC (Asia) Cirrus Debit Card”, please click here. For Cirrus debit card cancellation request form, please click here.

ICBC Private Bank Debit Card (HKD)	ICBC Elite Club Debit Card (HKD)
ICBC Easylink Debit Card (HKD)	ICBC Easylink Debit Card (RMB)

Connect the Two Places to Realize the Opportunities

Industrial and Commercial Bank of China (Asia) Limited aims to provide more secure and reliable ATM services, comprehensive self service banking services and Debit Card (also known as ATM Card) Services. With ICBC (Asia) Debit Card, you can access Hong Kong, China, the Chinese mainland and overseas networks including ICBC, CUP, JETCO ATMs and other electronic payment POS in the world. On the other hand, our ATM chip cards can provide greater debit card protection by its capability to store encrypted and confidential information and prevent the cards from being copied to make counterfeit cards. You can enjoy the convenient wealth management advantages, such as instant cash withdrawal and POS purchase at ease anywhere, anytime.

Free-of-Charge Cash Withdrawal in the Chinese mainland

• By accessing nearly 90,000 ICBC ATMs in the Chinese mainland with ICBC (Asia) HKD Debit Card, you can enjoy balance inquiry, RMB cash withdrawal services without any transaction charge (It can save at least HKD15 for each cash withdrawal transaction) ^1,4

Dual-currency Accounts, Free Choice

• You can link up to three current or savings accounts in the same ICBC (Asia) Debit Card.
• It supports both HKD and RMB currency accounts.

Global Access, Caring Service

• You can use ICBC (Asia) Debit Card to withdraw local currency from ATMs in Hong Kong, China, Macau, the Chinese mainland and from CUP or CIRRUS² ATMs all over the world ^{3,4,5, 6}
• You can use ICBC (Asia) Debit Card to enjoy POS purchase through CUP merchants in the Chinese mainland and overseas. The consumed amount will be debited directly from the selected debit card account ⁷.

ATM services provided:

• HKD / RMB cash withdrawal ⁸
• Real-time HKD / RMB cash deposits
• Payment and Credit Card Payment
• Other services (Payment and Credit Card Payment, Change ATM Language, Balance Inquiry, Change password, Statement and cheque book request, Donation etc)
• Enhanced Security for ATM Overseas Withdrawal Services

POS purchase：

• With insertion of ICBC (Asia) Debit Card and entering the Debit Card PIN into the terminal to complete the payment in merchants with EPS or UnionPay logo, the consumed amount will be debited directly from the selected debit card account.
• When using “UnionPay QuickPass” payment function, you can tap the UnionPay QuickPass Debit Card on any reader with “UnionPay QuickPass” logo and then enter the Debit Card PIN into the terminal to complete the payment instantly. ( Click to download UnionPay QuickPass FAQ

ICBC Pay：

• You only need to activate ICBC Pay in ICBC (Asia) Mobile Banking App to complete payment via ICBC Pay. You can pay via ICBC Pay at any place where supports the UnionPay QR code payment in Hong Kong, China, the Chinese mainland and other overseas areas.

Application:

• Account holder can apply for ATM services by filling out the application form and submits identity document at any of our branches.

Descriptive Information

• Descriptive Information for Debit Card

Remarks:

1. Daily limit is HKD20, 000 or its equivalent.
2. Debit cardholders with CIRRUS logo embossed on the card back can withdraw cash or enquire balance through the CIRRUS ATMs all over the world (including the Chinese mainland).
3. Except RMB accounts linked with primary account on Debit Card that can withdraw RMB in the Chinese mainland, other HKD account linked with primary account on Debit Card can only withdraw local currency outside Hong Kong, China ATMs.
4. Cash withdrawal via JETCO, UnionPay, CIRRUS in Macau, the Chinese mainland and overseas will be charged with handling fees of HKD10, HKD/RMB 15 and HKD 30 respectively. To enable ATM withdrawal services overseas, you are required to activate the overseas withdrawal function of your Debit Card by setting the activation period and daily overseas withdrawal limit.
5. For ATM transactions made abroad and settled in HKD via the JETCO network, if the transaction currency is CNY, the withdrawal amount is converted to HKD at the actual transaction exchange rate set by JETCO acquiring banks and shown on the ATM screen while processing the transaction. If the transaction currency is MOP, the withdrawal amount is converted to HKD at the daily exchange rate set by JETCO. For enquiries about the exchange rate for MOP, please call the JETCO hotline on (852) 2520 1747.
   For ATM transactions made abroad and settled in HKD via the UnionPay network,the withdrawal amount of local currency is converted to HKD at the daily exchange rate set by UnionPay. For enquiries about the daily exchange rate, please visit UnionPay’s website www.unionpayintl.com.
   For ATM transactions made abroad and settled in HKD via Cirrus network, the withdrawal amount will be first converted from the local currency to USD and then to HKD, at the actual transaction exchange rate set by MasterCard and ICBC (Asia) respectively. For enquiries about the reference exchange rates, please visit MasterCard’s website www.mastercard.com and ICBC (Asia)’s website www.icbcasia.com or call ICBC (Asia)’s Customer Service Hotline at (852) 218 95588 respectively.
   For ATM transactions made via ICBC ATMs in the Mainland and settled in HKD, the withdrawal amount will be first converted from the local currency to USD and then to HKD, at the actual transaction exchange rate set by ICBC (Asia) respectively. For enquiries about the reference exchange rates, please visit ICBC’s website www.icbc.com.cn and ICBC (Asia)’s website www.icbcasia.com or call ICBC (Asia)’s Customer Service Hotline at (852) 218 95588 respectively.
6. Please be reminded that when customers perform ATM withdrawal transactions overseas, whether the transaction account type being able to be selected or not is determined by the acquiring bank. Also, the amount withdrawn may not be deducted from the same foreign currency account linked on the debit card as the currency that customers withdraw.
7. The POS purchase via CUP is available to the card with CUP logo embossed on the card front or card back.
8. The minimum cash withdrawal amount is HKD500 if customers use ICBC (Asia) debit card at ATMs marked with “JETCO” logo. This restriction will not apply to ICBC (Asia) ATMs.

"ICBC (Asia)" or "the Bank" is the abbreviation of Industrial and Commercial Bank of China (Asia) Limited.