ICBC Visa Gold

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

ICBC Visa GoldWorldwide Recognition
Min. Income
Annual Fee
Easy Payment Plan
From 0% p.a.
Interest Rate
13.5% p.a.
20 days


Every Ringgit and RMB2 you charge with this ICBC credit card lets you earn reward points, allowing you to redeem a wide selection of prizes. The reward points will be with you for life with no expiry date!

Bonus Points Rewards
1 point on every RM1on all local retail transaction

Fees & Charges

Annual Fee
  • RM150 primary card

    Free for first year and waived when you swipe at least 5 times a year for subsequent years

  • RM75 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM5 or 1% of outstanding amount, up to a maximum of RM50
Cash withdrawal Fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysians Only



Global recognition and prestige come 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!

ICBC Visa Gold - Get Bonus Reward Points 

Shopping and dining are 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 you 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 are worth RM1.

No Annual Fees

Get a free waiver on your ICBC Visa Gold and skip the RM150 annual fees that you’ll have to pay from 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 to your primary credit card.

Sign up for family members for a supplementary ICBC Gold Visa card and pay just RM75 in annual fees for each card that you get. 

Unfortunately, the special waiver is not applicable to all supplementary credit cards.

Draw Emergency Cash Withdrawals with ICBC Visa Gold

Low on cash? Make emergency cash withdrawals at the ATM machine with your ICBC Visa Gold and get cash at hand in the instant. 

We say best used during emergencies only because a minimum cash withdrawal fee of RM20 or 5% 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 it back as soon as possible. 

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