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We are experiencing a heavy inflow of applications and it will take us up to two additional weeks on top of the standard processing time to process your application. Thank you for your patience.

We are currently accepting applications through our branches. Click contact us for branch locations. Please contact us at cardinfo@icbc-us.com for any questions.

 

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
• Rent your car with ICBC card and get auto rental collision damage waiver without paying extra §
• 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
• Rent your car with ICBC card and get auto rental collision damage waiver without paying extra §
• Travel and Accident Insurance including Trip Delay Reimbursement §
• 24/7 Concierge services providing travel, entertainment, and more
• $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 14.74%-20.74% based on your credit worthiness. The APR for Cash Advances is 26.74%. 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 balance transfers, cash advances, convenience checks, 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

Cardholders may use a valid, ICBC USA issued Premier UnionPay Platinum Card to register for Lounge Pass and access the services provided by the owner of participating airport and/or high-speed railway lounges (“Service Provider”). The Service Provider may require the cardholder to provide a proper form of identification and a QR code upon entry and may require cardholder to scan that QR code to determine account eligibility. The Service Provider may deny entry to the airport and/or high-speed railway lounge due to any reason. ICBC USA is not responsible for the services provided by the airport and/or high-speed railway lounges and cannot reimburse the cardholders for any denial of services. Before visiting the lounge, the Cardholder must firstly register his/her Premier UnionPay Platinum Card and activate the Lounge Pass to receive the QR code. The Lounge Pass assigns a certain number of points that can be applied to each lounge visit during the following year, and each use of the airport and/or high-speed railway lounge automatically deducts the total available points. A valid mobile phone number is required to receive the one-time passcode and internet access is required during the registration process, standard text message and internet access fees may apply. Cardholder may be required to pay a small fee less than USD 1.00 for the registration, in such case, the fee is not refundable and ICBC USA cannot be held liable for the payment. For complete registration instruction, rules and limitations, please visit www.icbc-us.com and refer to the credit card benefit section.

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.

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’scollision damage insurance. The benefit provides reimbursement (subject to the terms and conditions) for damage due to collision up to $25,000. Call the Claims Administrator at 1-855-830-3719.

Travel Accident Insurance
UnionPay Platinum cardmembers only. Includes Trip Delay Reimbursement, Accidental Death and Dismemberment. Restrictions, limitations and exclusions apply. One reimbursement per ticket per trip if delay lasts longer than 12 hours for covered trip. Call the Claims Administrator at 1-855-830-3719.

Medical and Travel Assistance services
UnionPay Platinum cardmembers only. Restrictions, limitations and exclusions apply. In case of an emergency while traveling, the Benefit Administrator can connect cardmembers 24/7 with the appropriate local emergency and assistance. Call the Benefit Administrator at 1-888-289-8762, or call collect outside the U.S. at 703-891-7335.

Platinum exclusive discount brochures
UnionPay Platinum cardmembers only. Cardholders can get exclusive discount brochures for free at major U.S. outlets when presenting UnionPay cards (card number starting with 62). Restrictions apply. Outlets may change.

♮ 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).


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