ICBC Chinese Zodiac Credit Card

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Key Features

1.6%
Cash Back on All Spend
S$0
Spend per month
Unlimited
Cash Back Cap

Promotion

Cash Back

Earn 1.6% unlimited cash back on all spends (Local and Overseas)
No minimum spend required
No cap on the cash back

Grocery

Earn 1.6% unlimited cash back on all spends (Local and Overseas)
No minimum spend required
No cap on the cash back

Shopping

Earn 1.6% unlimited cash back on all spends (Local and Overseas)
No minimum spend required
No cap on the cash back

Dining

Earn 1.6% unlimited cash back on all spends (Local and Overseas)
No minimum spend required
No cap on the cash back

Other Features

Earn an unlimited 1.6% cash back on all your local and overseas spending.
There’s no minimum spending requirement, and no cap on the cash back you can earn.
New-to-bank cardholders can get up to S$120 cash back, with a minimum spending requirement of S$200 per month for six consecutive months.
Enjoy a three-year waiver on your annual fee.
Please note that at LOANPANDA, we make every effort to ensure that our information is accurate and up to date. However, the information you see when you visit a financial institution, service provider, or specific product site may differ from ours. LOANPANDA is not responsible for any discrepancies and is not liable to compensate the customer.

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: 2.5%
Foreign Check Fee: N/A
Cash Advance Transaction Fee: 5% or S$15, whichever is higher
Overlimit Fee: N/A

Review

By LOANPANDA

The ICBC Chinese Zodiac Credit Card offers an unlimited 1.6% cash back on all local and overseas spending, with no minimum spend required and no cap on the cash back you can earn. New-to-bank cardholders can also receive up to S$120 cash back with a minimum spending requirement.

In addition, the annual fee is waived for the first three years. The card also comes with various benefits such as discounts and promotions for dining, shopping, and grocery purchases. Overall, the ICBC Chinese Zodiac Credit Card is a great option for those looking for a simple cash back card with no fuss.

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.