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
  • RM150.00 annual fee
  • Earn up to 1x reward point 

Apply online now for ICBC Visa Gold

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Because you should be rewarded for giving the bank your business

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 Points Rewards
1 point on every RM1on all local retail transaction
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
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
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
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


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 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 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 is 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 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 RM75 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 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 back as soon as possible. 

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