ICBC Visa Platinum credit card

ICBC Visa Platinum

ICBC Visa Platinum is your ultimate travel companion offering free Global Travel and Purchase Protection

  • 13.5% p.a. interest rate
  • 20 days interest-free period
  • RM330.00 annual fee
  • Earn up to 1x reward point 

Apply online now for ICBC Visa Platinum

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Because you should be rewarded for giving the bank your business

Every Ringgit you charge to your ICBC credit card earns you one Bonus Point - Accumulate them to redeem attractive rewards.
Bonus Points Rewards
1 point on every RM1on all local expenses
Rewards points earned never expires
Free Global Travel and Purchase Protection

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year and waived when you swipe at least 3 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RM20.00 or 5.00% of withdrawn amount, whichever is higher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 Platinum review

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

Introduce yourself to a new world of platinum benefits with a globally recognised credit card from the Industrial and Commercial Bank of China. Built for business, you’ll treat yourself to the privileges of living in the fastlane while enjoying ease of transactions while you travel to and fro between Malaysia, China and the world for both pleasure and work.

Annual Fee Waiver

Get the annual kicker for owning the exclusive ICBC Visa Platinum out of the way with a special waiver. You won’t pay a thing on the first year; for every subsequent year after just swipe three times (yes, just 3 times) and the RM330 annual fee on your platinum card will be waived completely, free of charge.

Not in town for the entire year, no problem. Enjoy your waiver by simply using your ICBC bonus points. There’s simply no reason to bear any charges as long as you make the most of your spending with VISA credit card.

More Rewards

Treats galore when you shop and dine with your ICBC Visa Platinum at destinations globally. For each receipt on every Ringgit that you spend, you’ll earn 1 ICBC Bonus Point. Collect these points and redeem them for shopping vouchers from AEON, Isetan, Giant and Parkson.

Every 150 Bonus Points that you collect is equal to RM1 in value. For a limited time you can get 3x the points when you purchase your air ticket online with your ICBC Visa Platinum. Don’t forget that you can also earn rewards when you swipe in China. Every 2 Renminbi (Chinese Yuan) will give you 1 ICBC Bonus Point.

Special Interest Rates

All charges to your ICBC Visa Platinum credit card comes with a 20 day interest free period, simply put you won’t have to pay anything for making your purchases on your basic RM10,000 credit limit. Then when you bills come, you have two options to choose from.

Prudently, you can choose to settle all your credit balance within the interest free period and you’ll pay zero in fees. Alternatively, you can choose to pay the minimum monthly payment of RM50 or 5% so no late payment charges will be levied on your account.

You can get a special 13.5% p.a. credit card interest rates so long as you make your payments on time each month before the end of each billing cycle. Failing to do so will result in steeper rates, starting at 16% p.a. if you miss up to 2 payments and 17.5% p.a. if you miss anything beyond that.

Minimum Requirements

Can’t wait to get your very own ICBC Visa Platinum? It’s yours if you meet the RM100,000 minimum annual income requirement, and you’re a Malaysian at least 21 years of age. You can also sign up family members above 18 years old for their own supplementary credit card for an annual fee of RM165 each year.

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