Best ICBC Credit Cards in Singapore 2025
Updated: 22 Oct 2025
Looking for a credit card that complements your lifestyle? ICBC credit cards offer cashback on everyday essentials like dining, groceries, and petrol, making each purchase more rewarding. Whether you're planning a weekend getaway or a special night out, ICBC's exclusive privileges and easy-to-use digital banking ensure you enjoy life’s moments while staying on top of your finances.
Card | Hot Reward Pick | SingSaver Reward | Card benefit | Min. Annual Income | Annual Fee | Annual Fee Waiver | ||
|---|---|---|---|---|---|---|---|---|
 | ICBC Visa Dual Currency Credit Card | - | - | 0.5 - 8 % | S$30,000 | S$30 | 3 years | |
 | ICBC Chinese Zodiac Credit Card | - | - | 1.6 % | S$30,000 | S$150 | 3 years | |
 | ICBC UnionPay Dual Currency Credit Card | - | - | 0.5 - 8 % | S$30,000 | S$30 | 3 years |
Why Trust SingSaver
Card Details
Annual Fee
S$ S$
30Min. Annual Income
S$ S$
30,000Annual Fee Waiver
3 years- Up to 8% cashback on your spending.
- Flexibility in payment currency between USD and SGD for various payment modes in Singapore.
- 2.5% foreign transaction fee waiver if USD is used.
- 3-year annual fee waiver.
- 8% bonus cashback only applies to spends of above S$500 each month for 3 consecutive months.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: 5 %
Interest on Purchase: 24 %
Interest on Cash Advance: 24 %
Interest Free Period: 25 days
Fees
Annual Fee: S$30
Foreign Currency Transaction Fee: 2.5 %
Eligibility
Minimum Age: 21 years old
Minimum Annual Income: S$30,000
Monthly Spend Required: None
ICBC Chinese Zodiac Credit Card
rating
4.5/ 5
Annual Fee
S$ S$
150Min. Annual Income
S$ S$
30,000Annual Fee Waiver
3 years- 1.6% unlimited cashback on local and overseas spend with no minimum spend.
- 3-year annual fee waiver.
- 12 different card designs to choose from.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: 5 %
Interest on Purchase: 24 %
Interest on Cash Advance: 24 %
Interest Free Period: 25 days
Fees
Annual Fee: S$150
Foreign Currency Transaction Fee: 2.5 %
Eligibility
Minimum Age: 21 years old
Min. Annual Income: S$30,000
Monthly Spend Required: None
ICBC UnionPay Dual Currency Credit Card
rating
2/ 5
Annual Fee
S$ S$
30Min. Annual Income
S$ S$
30,000Annual Fee Waiver
3 years- Up to 8% cashback on your spending.
- Flexibility in payment currency between USD and SGD for various payment modes in Singapore.
- 2.5% foreign transaction fee waiver if USD is used.
- 3-year annual fee waiver.
- 8% bonus cashback only applies to spends of above S$500 each month for 3 consecutive months, otherwise 0.5% cashback.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: 5 %
Interest on Purchase: 24 %
Interest on Cash Advance: 24 %
Interest Free Period: 25 days
Fees
Annual Fee: S$30
Foreign Currency Transaction Fee: 2.5 %
Eligibility
Minimum Age: 21 years old
Min. Annual Income: S$30,000
Monthly Spend Required: S$500