ICBC Visa Classic credit card

ICBC Visa Classic

A classic card that is supported by the prestigious ICBC bank, offering you global merchant benefits and overall worldwide acceptance.

  • 13.5% p.a. interest rate
  • 20 days interest-free period
  • RM79.50 annual fee
  • Earn up to 1x reward point 

Apply online now for ICBC Visa Classic

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Because you should be rewarded for giving the bank your business

Every Ringgit you charge to this credit card earns you 1 bonus point that you can redeem for a wide selection of attractive rewards. Your hard-earned reward points will never expire !
Bonus Point
1 point on every RM1on all local retail expenses
Rewards points earned never expires

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year and waived when you swipe at least 5 times a year for subsequent years
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM5 or 1% of outstanding amount, up to a maximum of RM50
Cash withdrawal fee
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal

*inclusive of 6% GST


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Malaysians Only

ICBC Visa Classic review

What's so good (or not so good) about it?

Planning on getting a new credit card? It doesn’t matter if it’s your first piece of plastic, or if you’re getting a spare a rainy day. The world’s largest bank offers a simple entry level credit card that earns you bonus points on all your spending, and triple points on flight tickets. ICBC Visa Classic is the perfect companion for your next trip to China!

Bonus Points

You have more reasons than ever to go entirely cashless with the ICBC Visa Classic. Making trips to the ATM machine each month is a hassle enough. But now, if you swipe your grocery, petrol and shopping purchases you’ll get points for every Ringgit that you spend.

Earn 1 Bonus Point for each RM1 in a single receipt. All points that you earn will never expire, so you can collect them whenever you want at a moment’s notice for gift vouchers from AEON, Isetan, Giant and Parkson from the ICBC redemption catalogue, or simply use them to waive your annual fees. Every 150 Bonus Points is equivalent to RM1 in value.

Free Annual Fee Waiver

It won’t cost you much, your ICBC Visa Classic comes with an annual fee of RM79.50 for the principal card and RM37.10 for each supplementary card you get, including GST. However if you could skip the fees altogether, why not!

The annual fee on your principal card is completely waived when you make 5 transactions each year – so you won’t have to pay a thing. Or if you weren’t planning to make extra transactions, you can also use your bonus points to waive your annual fees.

Low Interest Rates

Apply online and get a minimum of RM3,000 credit limit on your ICBC Visa Classic. Enjoy twenty days of interest free payments before credit card rates start to apply. Most banks charged as much as 18% interest p.a. on your credit balance.

Pay your credit card bills on time each month and ICBC will give you special low rates of 13.5% p.a. If you miss two payments in a year the rates will be 16.0% p.a., anything skipped beyond 2 months will cause your rates to go up to 17.5%.

Apply Requirements

Ready for your very own ICBC Visa Classic? Get your very own if you earn a minimum income of RM2,000 a month and at least 21 years of age. All Malaysians who have a good credit rating are allowed to apply. Check with your nearest ICBC branch for the requirements if you’re a foreigner looking to apply.

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