ICBC Horoscope Credit Card

3%
Cash Back on Foreign Currency Spend
2%
Cash Back on Local Spend
Unlimited
Cash Back Cap
Available
Very Good
Satisfactory
Satisfactory
Satisfactory
ICBC Horoscope Credit Card

ICBC Horoscope Credit Card

Promotion
Promotions
Key features
Key features
  • Enjoy unlimited 3% Cashback on all spending in foreign currency.
  • Enjoy unlimited 2% Cashback on selected shopping and dining spending in local currency. Selected shopping and dining merchants refers to the relevant MCC found in the bank's T&Cs
  • Enjoy unlimited 1% Cashback on all other spending in local currency.
  • Unlimited Cashback, No Minimum Spend, No Cashback Cap
  • Promo: Receive a total of 6 DragonPass points per ICBC cardholder, which adds up to 6 free visits to VIP lounge at airports and up to 12 visits to VIP lounge at high-speed railway stations. Valid till 31 Dec 2020
  • 3 years Annual Fee Waiver
Cash back
Cash Back
Very Good
  • Enjoy unlimited 3% Cashback on all spending in foreign currency.
  • Enjoy unlimited 2% Cashback on selected shopping and dining spending in local currency. Selected shopping and dining merchants refers to the relevant MCC found in the bank's T&Cs
  • Enjoy unlimited 1% Cashback on all other spending in local currency.
  • Unlimited Cashback, No Minimum Spend, No Cashback Cap
  • 3 years Annual Fee Waiver
Leisure
Overseas Spending
Very Good
  • Enjoy unlimited 3% Cashback on all overseas in foreign currency.
  • Unlimited Cashback, No Minimum Spend, No Cashback Cap
  • 2.50% foreign currency transaction fee
  • Receive worldwide VIP lounge access of up to 6 free visits to Dragonpass VIP lounge. Valid till 31 Dec 2020
Grocery
Grocery
Satisfactory
  • Enjoy unlimited 3% Cashback on all overseas grocery spend in foreign currency.
  • Unlimited Cashback, No Minimum Spend, No Cashback Cap
Dining
Dining
Satisfactory
  • Enjoy unlimited 3% Cashback on all overseas dining spend in foreign currency.
  • Enjoy unlimited 2% Cashback on selected dining merchants in local currency. Selected dining merchants refers to the relevant MCC found in the bank's T&Cs
  • Enjoy unlimited 1% Cashback on all other local currency spend that do not fall within the MCC list.
  • Refer to the bank's T&Cs here for the list of participating MCC.
  • Unlimited Cashback, No Minimum Spend, No Cashback Cap
Shopping
Shopping
Satisfactory
  • Enjoy unlimited 3% Cashback on all spending in foreign currency overseas and in Singapore
  • Enjoy unlimited 2% Cashback on selected shopping merchants in local currency. Selected shopping merchants refers to the relevant MCC found in the bank's T&Cs
  • Enjoy unlimited 1% Cashback on all other local currency spend that do not fall within the MCC list.
  • Refer to the bank's T&Cs here for the list of participating MCC.
  • Unlimited Cashback, No Minimum Spend, No Cashback Cap
Terms
Terms and conditions
Interest Rate & Late Payment Fees

Annual Principal Fee

$150

Supplementary Annual Fee

$75

Fee Waiver

Available

Interest Free Period

25 days

Annual Interest Rate

24.00%

Late Payment Fees

S$40

Minimum Monthly Repayment

3% or S$50, whichever is higher

Foreign Currency Transaction Fee

2.50%

Foreign Check Fee

N/A

Cash Advance Transaction Fee

5% or S$15, whichever is higher

Overlimit Fee

$40
Eligibility

Singaporean Minimum Income

$30,000

Non-Singaporean Minimum Income

$30,000
Other

Card Association

UnionPay

Wireless Payment

UnionPay QuickPass