ICBC Student Talent Credit Card
For qualifying students under the issuer’s dedicated student route. Monthly eligible spend below S$1,000 earns 1%; S$1,000 or above earns 3%, capped at S$60 per month. Permanent annual-fee waiver.
Benefits & important limits
- For qualifying students under the issuer’s dedicated student route. Monthly eligible spend below S$1,000 earns 1%; S$1,000 or above earns 3%, capped at S$60 per month. Permanent annual-fee waiver.
Fees & repayments
- Principal annual fee (GST included)
- S$0
- Fee waiver
- No annual fee.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Eligibility & work passes
Age 18+ and enrolled at NUS, NTU or SMU. Applicants under 21 need guardian consent and supporting documents. Apply with the dedicated student form through an ICBC branch; this product is separate from salary filtering.
Principal age: 18+
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.