ICBC Visa Gold credit card

ICBC Visa Gold

A gold credit card that give you instant acceptance in China and access to the world's largest bank

  • 13.5% p.a. interest rate
  • 20 days interest-free period
  • RM159.00 annual fee
  • Earn up to 1x reward point 

Apply online now for ICBC Visa Gold

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for ICBC Visa Gold

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to ICBC website

If you have any questions let us know at can@ringgitplus.com, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

Benefits

Because you should be rewarded for giving the bank your business

Rewards
Every Ringgit you charge with this ICBC credit card lets you earn reward points, allowing you to redeem a wide selection of prizes. The rewards points will be with you for life with no expiry date!
Bonus Point
EarnSpent
1 point on every RM1on all local and overseas retail expenses
Rewards points earned never expires

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM159.00
  • Free for first year and waived when you swipe at least 5 times a year for subsequent years
Annual Fee for Supplementary Card
RM79.50
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RM21.20 or 5.30% of withdrawn amount, whichever is higher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
18%
Daily Maximum Cash Withdrawal
RM5000

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM48000
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 Gold review

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

Global recognition and prestige comes with the turf when you sign up for the VISA Gold from the Industrial and Commercial Bank of China. Enjoy a higher starting credit limit starting at RM4,000 and pay zero on annual fees with a special waiver condition from ICBC. Bigger rewards are also up for grabs from the ICBC Bonus Point Redemption programme!

Bonus Reward Points

Shopping and dining is merrier now that you earn ICBC Bonus Point every time you spend your VISA Gold credit card. It doesn’t matter if you’re loading the shopping cart or feasting like a queen and king, every Ringgit that you spend will earn back some of its value for your with your ICBC credit card.

Each Ringgit that you charge to your ICBC Visa Gold will give you 1 Bonus Point. You can collect these points for as long as you like, ‘cause they never expire, and redeem them for gift vouchers from Giant, Parkson, Isetan or AEON. Every 150 points is worth RM1.

No Annual Fees

Get a free waiver on your ICBC Visa Gold and skip the RM159 annual fees and GST charges that you’ll have to pay on your second year onwards. Just make 5 charges to your credit card in a year, and your annual fees are as good as gone. This special waiver is only applicable on your primary credit card.

Sign up family members for a supplementary ICBC Gold Visa card and pay just RM79.50 in annual fees for each card that you get. Unfortunately the special waiver is not applicable for all supplementary credit cards.

Cash Withdrawals

Low on cash? Make emergency cash withdrawals at the ATM machine with your ICBC Gold Visa and get cash at hand on the instant. We say best used during emergencies only because a minimum cash withdrawal fee of RM21.20 or 5.30% interest of the withdrawn amount will be charged to your credit limit.

Once you’ve made your withdrawal, you’ll have 20 days to settle your repayment or you’ll be charged 18% interest p.a. on the amount that you borrowed. This amount is compounded daily, so you'll want to pay back as soon as possible. 

Read More