ICBC Horoscope Credit Card

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Key Features

3%
Cash Back on Foreign Currency Spend
S$0
Min. Spend per month
Unlimited
Cash Back Cap

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Grocery

Get unlimited 3% cashback on all foreign currency spends for groceries purchased overseas.
Enjoy cashback with no minimum spend or cashback cap.

Overseas Spending

Enjoy unlimited 3% Cashback on all overseas in foreign currency.
Unlimited Cashback, No Minimum Spend, No Cashback Cap
2.50% foreign currency transaction fee

Shopping

Earn unlimited 3% cashback on all overseas and local spending made in foreign currency.
Earn unlimited 2% cashback on selected shopping merchants in local currency, as defined in the bank’s terms and conditions.
Earn unlimited 1% cashback on all other local currency spend not falling within the MCC list.
Enjoy unlimited cashback with no minimum spend and no cashback cap.

Cash Back

Earn unlimited 3% cashback on all spending in foreign currency.
Get unlimited 2% cashback on selected shopping and dining spending in local currency, based on the relevant MCC listed in the bank’s terms and conditions.
Earn unlimited 1% cashback on all other spending in local currency.
Enjoy unlimited cashback with no minimum spend or cashback cap.

Dining

Earn unlimited 3% cashback on all dining spends in foreign currency made overseas.
Get unlimited 2% cashback on dining spends in local currency at selected dining merchants as per the bank’s terms and conditions.
Receive unlimited 1% cashback on all other local currency spends that are not categorized under the selected dining merchants list.
Enjoy unlimited cashback with no minimum spend or cashback cap.

Other Features

Earn unlimited 3% cashback on all spending in foreign currency.
Get unlimited 2% cashback on selected shopping and dining spending in local currency, based on the relevant MCC listed in the bank’s terms and conditions.
Earn unlimited 1% cashback on all other spending in local currency.
Enjoy unlimited cashback with no minimum spend or cashback cap.
Benefit from a 3-year annual fee waiver.

Eligibility

Singaporean/PR Minimum Income

S$30,000

Non-Singaporean Minimum Income

S$30,000

Fees and Charges

Annual Principal Fee: S$150
Supplementary Annual Fee: S$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%
Cash Advance Transaction Fee: 5% or S$15, whichever is higher
Overlimit Fee: N/A

Review

By LOANPANDA

ICBC Horoscope Credit Card offers unlimited cashback on foreign currency spending with no minimum spend and no cashback cap. Cardholders can earn up to 3% cashback on all spending in foreign currency, including grocery, dining, and shopping purchases made overseas.

In addition, they can enjoy 2% cashback on selected shopping and dining spending in local currency, as well as 1% cashback on all other local currency spending. With a 3-year annual fee waiver and other features such as a 2.5% foreign currency transaction fee, this credit card is ideal for those who frequently travel and spend overseas.

FAQ

A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.

While there are so many types of credit cards offering different features, you may wonder: How best to choose one that suits you?

Here’s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.