ICBC Essence Card

Introducing ICBC Essence Card presented by ICBC (Asia) Private Bank, the Visa Infinite Card provides you with prestigious wealth management services, and opens a door to a world of extraordinary experiences from deluxe journeys, worldwide delicacies to a full discovery of treasured artifacts across the globe. Experience opulence and grandeur to its best – exclusive only to our privileged clients.

To share the offers and joy with the loved ones, Principal Cardholder of ICBC Essence Card is entitled to 3 Supplementary Cards under the same credit limit.1

1.Application only available to the spouse or children of the ICBC Essence Card - Principal Cardholder. In case of the Principal Cardholder holds no longer a valid ICBC Essence Card, his/her corresponding Supplementary Cards will also be terminated.

Superior financial rewards

2% cash rebate upon spending without upper limit2

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Every dollar (HKD & RMB) spends with the card will entitle 2% cash rebate. HKD & RMB spending will be combined for accumulated transactions amount calculation; RMB1 spending will be calculated as HKD1. Rebate amount will be calculated on monthly basis, it will be credited to the HKD account and shown on the statement.

2.Cash rebate is not applicable to cash advances, balance transfer, cash installment loan amount/ tax loan and personal loan amount/ merchant installment loan amount and the repayment amount, reload/ transfer of e-wallet (including but not limited to Alipay, PayMe, Tap & Go and WeChat Pay), donations, purchase of casino chips, gambling transactions, unauthorized transactions, all payment type (including but not limited to credit card charges, cash installment, any financial charges, overdue charges, all account service charges, settlement through online personal banking service or ATM for insurance payment or utilities bills, tax payment, payment for MPF contribution etc. or other categories as ICBC (Asia) may at our sole discretion determine from time to time). Also, the cash rebate is not applicable to the transactions of supermarkets, fuel, transportation fees, property, motor vehicle, wholesale, hospital and tuition in China etc. (transaction types are determined according to the merchant categories as defined time to time by Visa, and reserves the right to change the merchant categories from time to time, or at ICBC (Asia)’s sole discretion). Transactions which have not been posted, cancelled, refunded or not authorized are not eligible to the privileges. Terms and conditions apply, please visit www.icbcasia.com for detail.

Annual fee waiver

The annual fee chargeable for each ICBC Essence Card - Principal Card issued is HK$ 6,800 and for each Supplementary Card issued is HK$ 3,000. Selected customer who holds the valid ICBC Essence Card - Principal Card, his/her Principal Card and Supplementary Card(s) will enjoy the annual fee waiver. ICBC (Asia) Private Bank reserves the right to suspend or cancel the annual fee waiver privilege from the cardholders of the ICBC Essence Card without further notice.

Credit Card Spending Installment Plan

Every spending with choice of installment plan for you to enjoy fabulous shopping delights!

  • Super-Low Monthly Flat Rate at 0.235% (APR is 5.29%)3
  • 12, 24 and 36 month installment plan of your choice
  • No documents are required
  • Application Hotline 4: 2533 8686

3.Monthly flat rate 0.235% ,Annualised Percentage Rate (APR) 5.29% are calculated based on Spending Installment amount HK$10,000, Monthly flat rate 0.235% and 12-month repayment tenor. For 24-month and 36-month tenor, APR are 5.46% and 5.48% respectively. The APR is calculated based on the guidelines as set out in the Code of Banking Practice. The Bank shall have the right at its discretion to apportion any Installment payment between interest and principal in such manner as it shall desire. The annualised percentage rate is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate. Terms and conditions apply, for more details on terms and conditions and relevant fee and charges,please visit www.icbcasia.com.

Personal concierge

Visa Concierge provides you with 24/7 supports, services and exclusive privileges.5

  • Express reservation at local restaurants and getaways
  • Recommendations of local happenings and sightseeing hotspots
  • Virtual activities and outdoor experiences
  • Emergency support, travel and medical services 6, business and leisure related assistance

Bespoke travel delights

With a variety of global partners, Visa brings you pleasant travel experiences. 5

  • Discounts and VIP privileges at over 900 global luxury hotels and resorts, with best rate guarantee
  • Up to 48% off on limousine services
  • Hertz car rental offers including one-day complimentary rental
  • VIP lounge services at airports and high-speed railway stations worldwide

  • Complimentary global travel protection insurance7

  • Travel accidental medical insurance (coverage up to US$ 25,000)
  • Travel personal accident insurance (coverage up to US$ 1,000,000)
  • Emergency assistance services (costs fully covered)

Download the Visa Concierge App to enjoy round-the-clock services, or you can call the Visa Concierge hotline.
Hong Kong: (852) 300 285 89
Mainland China: (86) 400 8811 247
Please browse www.concierge-asia.visa.com/contact-concierge

5. The privileges and offers are provided by Merchant partners, and subject to the terms and conditions from Visa and Merchants. For promotion detail and promotion period, please visit Visa Concierge website www.concierge-asia.visa.com or visa website https://www.visa.com.hk/en_hk/pay-with-visa/find-a-card/visa-infinite.html
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6.Travel & medical services applicable when a customer travels more than 150km from their residence within their home country, or country of residence for periods not exceeding 90 consecutive days per trip. Please contact a Visa Concierge consultant for more information.

7.Regarding global travel protection insurance:
a.The coverage of travel accidental medical insurance, travel personal accident insurance and emergency assistance services is summarized as below:
(i) Travel accidental medical insurance (up to US$ 25,000)

  • Covers medical expenses (including hospitalization) incurred as a result of accident during a journey

  • (ii) Travel personal accident insurance (up to US$ 1,000,000)
  • Against accidental death or permanent disablement, loss of both limbs, loss of sight, loss of speech, loss of hearing as a result of accident during a journey

  • (iii) Emergency assistance services (costs fully covered)
  • 24-hour emergency assistance hotline
  • Emergency medical evacuation
  • Repatriation of mortal remains

  • b.For policy detail, please contact Aon Hong Kong Limited Customer Service Hotline: 2861 6622 (Monday-Friday 9am to 5:30pm, expect public holidays)

    c. Fares must be paid in full via your ICBC Essence Card. The above is intended only as a general summary for reference. The scope of coverage, exclusions, indemnity limits and compensation are subject to the detailed terms and conditions of the relevant insurance policy. The above services and information are provided by AXA General Insurance Hong Kong Limited ("AXA") and ICBC (Asia) assumes no responsibility for such services and information. Customers will be bound by the terms and conditions for the services and the policy terms which will be amended by AXA from time to time. All claims, disputes and complaints should be referred directly to AXA. Customers may need to provide personal data or information to AXA or its service provider (whether within or outside HKSAR) for the purpose of provision of the relevant services to the customers. ICBC (Asia) is not the provider of this service and will not be responsible for any related liabilities and obligations.

    Finest and exquisite luxury

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    • Premium shopping and dining privileges
    • Special discounts on online shopping, at local and international department stores, jewelers, cosmetics and apparel stores
    • Online shopping insurance
    • Dining privileges at the global top restaurants and hotel chains

    8.Dining privileges at the global top restaurants and hotel chains

    Curated indulgences9

    • SUPREME membership – Chinese Arts & Crafts
    • Shopping privileges and 1-on-1 personal service with brand representatives at Memorigin, the Tourbillon watchmaker
    • Participation in Emperor Watch and Jewellery’s VIP events and private tours
    • Prestigious offers in sartorial suits tailoring at Tai Pan Row
    • 9.ICBC (Asia) is not responsible for any obligations and liabilities related to the products and services provided by the suppliers. Please contact the suppliers for the content and terms and conditions of the corresponding products and services.

      From health and wellness to legacy planning, ICBC (Asia) Private Bank has your best interests at heart, bringing you diversified value-added services.10

      Personalized value-added services

      • Welcome kit for new ICBC (Asia) Private Bank clients
      • Bespoke private events to complement your interests
      • Access to VIP facilities such as the wine room, tea room and VIP lounge at ICBC (Asia) Private Bank Centres
      • Next-generation development programmes for young adults with certificate of completion
      • 6-in-1 comprehensive health privileges to safeguard your wealth and well-being
      • Festive treats surprises and blessings
      • 1-on-1 service by a dedicated relationship manager and the professional teams
      • Optimal credit limit to provide easy ways to borrow and repay

      10.The privileges and offers are only applicable to customers who hold ICBC (Asia) Private Banking Account and subject to the terms and conditions of ICBC (Asia) Private Banking Account.

      By invitation only, please contact your designated Relationship manager for details.

      ICBC (Asia) Private Bank
      Address: 29/F, ICBC Tower, 3 Garden Road, Central, Hong Kong
      Shop A, 1/F, 9 Queen’s Road Central, Central, Hong Kong
      Tel: (852) 218 95588
      Website:https://www.icbcasia.com/icbc/pb

      Reminder: To borrow or not to borrow? Borrow only if you can