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If you wish to apply for our credit card, please email us at Cardinfo@icbc-us.com and indicate which product you’d like to apply. You may also visit one of our branches to apply in person. Please kindly note that only existing ICBC USA customers are eligible to apply for any credit card. New customers with no current banking relationship may open a deposit account to be eligible for a card application. Only U.S. Citizens or Permanent Resides are eligible to apply for ICBC USA UnionPay cards.

 

ICBC Preferred UnionPay Gold Card

$50 cash bonus when you make $1,000 on purchases in the first 3 months from account opening *
• UnionPay card - widely accepted everywhere in China
• EARN 1% cash back on every purchase *
• No foreign transaction fee and no liability on unauthorized purchases
• No annual membership fee

 

ICBC Premier UnionPay Platinum Card

$100 cash bonus when you make $2,000 on purchases in the first 3 months from account opening *
• UnionPay card - widely accepted everywhere in China
• EARN 1.5% cash back on every purchase *
• No foreign transaction fee and no liability on unauthorized purchases
• $0 intro annual membership fee for the first year, after that $85 †

 

ICBC Preferred Visa Card

$50 cash bonus when you make $1,000 on purchases in the first 3 months from account opening *
• EARN 1% cash back on every purchase *
• No foreign transaction fee and no liability on unauthorized purchases
• Rent your car with ICBC card and get Auto Rental Collision Damage Waiver without paying extra
• No annual membership fee

 

ICBC Premier Visa Signature Card

$100 cash bonus when you make $2,000 on purchases in the first 3 months from account opening *
• EARN 2% cash back on every purchase *
• No foreign transaction fee and no liability on unauthorized purchases
• Rent your car with ICBC card and get Auto Rental Collision Damage Waiver without paying extra 
• 24/7 Visa Signature Concierge Service helps booking hotels, flights, travel plans and more…
• Insurance Coverage – Trip Delay reimbursement, Return protection, and more… 
• Travel & Emergency Assistance and Roadside Dispatch services 
• $0 intro annual membership fee for the first year, after that $85 †

† IMPORTANT ICBC USA CREDIT CARD PRICING & TERMS

Annual Percentage Rates (APR) for Purchases will be 17.24%-23.24% based on your credit worthiness. The APR for Cash Advances is 29.24%. All APRs will vary with the market based on the Prime Rate.
Cash Advances
Cash Advances are subject to a transaction fee of either $10 or 5% of the amount of each cash advance, whichever is greater.
Paying Interest
The interest-free grace period is the time when no interest is charged on new purchases or any portion of it if paid by the due date shown on your Statement. Cash Advances do not have an interest-free grace period. We charge interest on purchases after the grace period expires for each transaction based upon the date that each transaction first appears on your account (until the balance is paid in full). We will begin charging interest on cash advances on the transaction date. Please see your Cardmember Agreement for more details.

* ICBC USA CREDIT CARD CASH BACK PROGRAM RULES

Cash Back Rewards: You will earn cash back rewards based on your net eligible purchase transactions, it will appear as Statement Credits in the following billing cycle. Net eligible purchases do not include returns; future returns will be deducted from the future purchases that accumulate for cash back. There is no cap for cash-back rewards.

Cash Bonus Offer: One time offer. Limited to one new card for each network (VISA or UnionPay) per customer in the past 12 months. The statement credit will be applied 2-3 weeks after 90 days of account opening and the spending threshold is met. Authorized Card Members on your account are not eligible for this offer. Your Card account must be active and in good standing at the time the bonus statement credit is posted. Qualifying purchases can be made by the Primary Card Member and any Additional Authorized Card Members on a single Card Account. Eligible purchases do not include cash advances, disputed or unauthorized purchases, fraudulent transactions, Card Account fees, finance charges, or annual membership fees. ICBC USA reserves the right to modify or revoke offer at any time.

Below is summary of key information for additional benefits. See full details at www.icbc-us.com

§ ICBC USA CREDIT CARD ADDITIONAL UNIONPAY BENEFITS INFORMATION


Travel Mate. Asia
Travel Mate. Asia offers benefits focus in Asia region. Discounts at Key Asia Attractions and Key Asia Destination Cities include Ticket discounts up to 20%, Local Transportation discounts up to 50%, Hotel discounts up to 50%, Shopping discounts from 5% to 30%. Special WIFI service discounts will be offered.

Customer Notice Geographic Limitations of UnionPay Card
Please be informed that the ICBC (USA) issued UnionPay credit cards (including the ICBC Preferred UnionPay Gold Card and ICBC Premier UnionPay Platinum Card) are blocked from use in certain high-risk countries. We also reserve the right to limit the use of your account to certain countries.

Please contact your account opening branch, or send email inquiries to info@us.icbc.com.cn or cardinfo@icbc-us.com, for further information on the geographic limitations of the ICBC (USA) issued UnionPay credit cards.

♮ ICBC USA CREDIT CARD ADDITIONAL VISA BENEFITS IMFORMATION
Auto Rental Collision Damage Waiver
Cardholders may be covered against damage to a rental car when cardholders pay with their ICBC cards and decline the rental company’s collision damage insurance. The benefit provides reimbursement (subject to the terms and conditions) for damage due to collision up to the actual cash value of most rental vehicles. Call the Benefit Administrator at 1-800-348-8472, or call collect outside the U.S. at 804-673-1164.

Trip Delay reimbursement, Return protection and more
Visa Signature cardmembers only. Trip Delay: one reimbursement per ticket per trip if delay lasts longer than 12 hours for covered trip. Return Protection: reimburse for eligible items within 90 days of purchase date if cardmembers are not satisfied with it and the retailer won’t allow it to be returned. Restrictions, limitations and exclusions apply. Call the Benefit Administrator at 1-800-840-4735 or call collect outside the U.S. at 804-673-7683.

Travel & Emergency Assistance and Roadside Dispatch services
VISA Signature cardmembers only. Restrictions, limitations and exclusions apply. Travel & Emergency Assistance: in case of an emergency while traveling, the Benefit Administrator can connect cardmembers 24/7 with the appropriate local emergency and assistance. Roadside Dispatch: cardholders pay for only when they use it. No membership or pre-enrollment is required. No annual dues. No limit on usage. Just call toll free: 1-800-VISA-TOW (1-800-847-2869).