ICBC Chinese Zodiac Credit Card
Unlimited 1.6% cashback on eligible purchases with no minimum spend. Choose one of twelve zodiac designs; a card set is not twelve separate credit products.
Benefits & important limits
- Unlimited 1.6% cashback on eligible purchases with no minimum spend. Choose one of twelve zodiac designs; a card set is not twelve separate credit products.
Fees & repayments
- Principal annual fee (GST included)
- S$150
- Fee waiver
- First 3 years waived; renewal follows issuer conditions.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Eligibility & work passes
Age 21+. Citizens / PRs: S$30,000 yearly; foreigners: S$48,000. ICBC’s application-document list explicitly accepts EP, S Pass and Work Permit valid for at least nine months, with passport, income and address documents. Approval remains subject to assessment. A separate secured route requires at least S$10,000 deposit collateral.
Principal age: 21+
Application documents ↗Overseas & FX fees
ICBC’s standard foreign-currency administrative fee is 2.5%. Currency-specific dual-account waivers must be checked separately; overseas cashback alone does not mean 0% FX fees.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.