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ICBC Credit Cards

How to compare cards from the Chinese multinational bank.

If you’re interested in a credit card with attractive cashback rates and exclusive perks, ICBC may have something to suit your needs.

Find out what you need to know about ICBC credit cards, including the typical eligibility requirements before you apply.

Finder does not currently have access to this credit card provider. Please review the product details, application criteria and terms and conditions on the provider website if you are considering applying for this product.

Types of ICBC credit cards

ICBC offers a handful of credit cards designed to help you save on your purchases alongside a host of privileges. Compare your options based on the following types of cards, your spending preferences and financial circumstances.

At the time of writing (July 2020), ICBC offers three credit cards which are all cashback credit cards. While the features vary with each card, you can expect to earn from 1% to 8% in cash rebates from your eligible local and overseas spends.

Learn more about cashback credit cards

Features of an ICBC credit card

Here are some of the key features to consider when looking at the ICBC credit cards:

  • Annual fee waiver. ICBC credit cards often come with annual fee waivers of up to three years.
  • Card privileges. Discounts and privileges may vary from card to card, but there are some time-limited lifestyle, dining and shopping promotions that apply to all ICBC credit cards. Discover the card privileges and latest promotions from ICBC.
  • I GO SG deals. As part of a collaboration with Singapore Tourism Board, “I Go Singapore” offers deals from participating merchants in categories such as dining, hotels, leisure, shopping, and beauty and wellness for ICBC cardholders to explore Singapore in style.
  • Contactless facility. Most ICBC credit cards are equipped with MasterCard PayPass contactless payment technology. However, cards aren’t typically compatible with Apple Pay or Google Pay.

How to apply

It’s possible to apply for an ICBC credit card online in less than 15 minutes.

Follow these steps to apply for an ICBC credit card:

  1. Compare all available ICBC credit cards on this provider’s website.
  2. Select the credit card that best suits your needs, such as your income level, lifestyle and spending habits.
  3. Ensure that you meet the eligibility requirements for your chosen credit card.
  4. When you’re ready to apply, begin your online application with ICBC.
  5. Once you submit your online card application, you’ll receive a response within a few minutes. Take note that some approvals are granted as conditional approvals.

You’re also required to upload scans of the supporting documents, so make sure that they’re clear and legible. ICBC will then proceed to assess and verify the information you provided. If your application is successful, you could receive your card within a week.

Before you apply for any card, make sure you’ve met the eligibility requirements and have all your relevant documents and details handy to speed up the process.

Eligibility criteria

While eligibility requirements may vary depending on the specific card you apply for, you can expect the following requirements with most ICBC credit cards:

  • Age. You must be at least 21 years old. Supplementary cardholders must be at least 18 years of age and a family member of the primary applicant.
  • Minimum income. S$30,000
  • Residential status. Singaporean citizens, permanent residents and foreigners with a valid employment pass.
  • Credit history. Applicants must have a good credit rating. Read more about the steps you can take to increase your credit score.

Required documents

Ensure that you have the following information ready when you apply:

  • Personal details. Personal details including your name, email address, contact number, residential address and NRIC or passport.
  • Family and education background. Your marital status, the number of dependants and education level.
  • Employment details. Your employer or company, office address, length of employment and business industry.
    Supporting documents

    Fully salaried applicants

    • Photocopy of your NRIC (front and back), photocopy of passport (for permanent residents) AND
    • Latest Income Tax Notice of Assessment and latest computerised payslip OR
    • Your CPF contribution history for the last 12 months OR
    • Your latest 3 months’ computerised payslip

    Self-employed or commission-based applicants

    • Photocopy of your NRIC (front and back), photocopy of passport (for permanent residents) AND
    • Latest Income Tax Notice of Assessment for the last two years


    In addition to the income documents indicated above, you will also need to provide the following:

    • Photocopy of your passport (with at least 12 months validity) AND
    • Photocopy of employment pass/visit pass/student pass (with at least 6 months validity) AND
    • Proof of residential address such as your latest utility bill or bank statements

    Frequently asked questions

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