虚拟电子信用卡

虛擬電子信用卡

Virtual Digital Credit Card

ICBC银联双币虚拟电子信用卡(ICBC银联电子卡)及ICBC万事达虚拟电子信用卡 (ICBC万事达电子卡) (统称「ICBC电子卡」) 一批即用!只需透过几个步骤即可申请!

网上递交申请礼品

经网上成功申请及获批核ICBC电子卡,全新客户每张ICBC电子卡将合资格获取HK$50 ICBC电子卡免找数签账额+

    +受条款及细则约束,详情请参阅ICBC电子卡迎新优惠条款及细则

    迎新优惠

    全新客户申请ICBC电子卡可享迎新优惠#

    #须于发卡后2个月内于每张电子卡签账或现金透支满指定金额,方可享有关迎新优惠,受条款及细则约束,详情请参阅ICBC电子卡迎新优惠条款及细则

    4大独有优势

    1.简单

    客户可透过工银亚洲手机银行应用程式、网上银行或手机WAP申请ICBC电子卡1

    工银亚洲特选客户2更毋须再次提交入息证明及住址证明文件即可申请。如属工银亚洲全新客户,只需扫描香港身份证、进行人像识别并填写申请表格,以及上载入息及住址证明3便可申请

    2. 迅速

    数个步骤完成整个申请程式,一批即用

    3. 安全

    动态密码付款,最高可获得HK$5,0004的信用额度

    4.便捷

    客户可以ICBC电子卡于在线购物付款、亦可透过您的Android手机把您的ICBC电子卡加入至工银亚洲手机银行内的移动支付*,更可把ICBC银联电子卡绑定Apple Pay ^及Huawei Pay+ ,到实体店尽享购物便利

    如何申请

    方法1 :透过工银亚洲手机银行应用程式

    第一步:于手机银行应用程式选择申请办卡

    第二步:填写资料,进行客户身份验证

    工银亚洲特选客户2更毋须再次提交入息证明及住址证明文件即可申请

    如属工银亚洲全新客户,只需扫描香港身份证、进行人脸识别并填写申请表格,以及上载入息及住址证明3便可申请

    第三步: 确认申请资讯后即成功递交申请

    应用程序下载方式

    于App Store、Google Play或华为应用市场搜索「工银亚洲」或「ICBC (Asia)」,或扫描以下二维码,即可下载工银亚洲手机银行应用软件。

    方法2:透过工银亚洲网上银行、手机WAP

    第一步:于工银亚洲网上银行、手机WAP选择申请一款ICBC信用卡产品

    第二步:进行客户身份验证

    第三步:选择申请ICBC电子卡

    第四步:确认申请资讯后即成功递交申请

    体验无卡支付便利

    客户可以ICBC电子卡于线上购物付款,体验无卡支付便利。客户亦可透过您的Android手机把您的ICBC电子卡加入至工银亚洲手机银行内的移动支付*,即可享受便捷的信用卡手机支付。
    有关工银亚洲手机银行内的移动支付详情请按此 

    把ICBC银联电子卡加至Apple Pay^,即可于任何接受Apple Pay的商店内、 APP 内或网页上,透过指定Apple装置付款。无论在店内、 APP 内或网页上付款,购物变得更简单,更快捷,更安全5

    把ICBC银联电子卡加至Huawei Pay+,即可于全港贴有以下任何一个标志的地方使用Huawei Pay消费6

    1.5%现金回赠

    由2020年4月9日起,全新ICBC银联虚拟电子信用卡客户以Huawei Pay消费,专享1.5%现金回赠7

    注:ICBC电子卡不适用于现金透支、附属卡申请、更换或补发ICBC电子卡及任何有关自动柜员机的服务

    *在线购物付款及工银亚洲手机银行内的移动支付只适用于ICBC银联电子卡及ICBC万事达电子卡。工银亚洲手机银行内的移动支付需在Android版本10或10以下及操作系统4.4.2版本以上的NFC手机上使用。

    ^Apple Pay只适用于ICBC银联电子卡。

    +Huawei Pay只适用于ICBC银联电子卡。

    1客户可于工银亚洲手机银行应用程式申请ICBC电子卡。如客户想同时申请ICBC电子卡及ICBC信用卡,客户可透过工银亚洲网站或手机WAP申请。

    2工银亚洲特选客户包括现有信用卡客户、现有工银亚洲自动转账支薪服务客户,或于工银亚洲持有总资产金额HK$20,000或以上的现有客户。如非特选客户,则需提供入息证明及住址证明文件方可完成递交申请程序。

    3客户必须通过扫描香港身份证、进行人像识别并填写申请表格,以及上载入息及住址证明,才能成功递交申请 。

    4每位ICBC电子卡客户港币和人民币共享最高HK$5,000信用额度。

    5以上服务须受条款及细则约束,详情请浏览www.icbcasia.com/icbc/applepay/

    6以上服务须受条款及细则约束,详情请浏览www.icbcasia.com/icbc/huaweipay/

    7信用卡积分奖赏或现金回赠不适用于现金透支、结余转户、信用卡现金兑现金额/税务及私人贷款金额/商户分期金额及其还款额、电子钱包增值/转账交易(包括但不限于Alipay、PayMe、Tap & Go及WeChat Pay)、捐款、购买赌场筹码、博彩交易、未经许可的签账、所有缴费类别(包括但不限于缴付信用卡费用、分期还款计划、各项财务收费、逾期手续费、所有账户服务费、以个人网上银行及自动柜员机缴付保险费用或公共事务费用、缴交税项、强积金供款;或中国工商银行(亚洲)有限公司(「工银亚洲」)不时决定的交易类别。);亦不适用于中国内地超市购物、燃油、交通运输费用、购买物业、汽车、批发、支付医院费用及缴交学费等交易 (交易类别将根据VISA、Mastercard及银联国际不时界定之商户分类或由工银亚洲全权酌情决定);亦不适用于未志账/取消/退款/未经授权的交易。

    请即申请

    借定唔借?还得到先好借!



ICBC銀聯雙幣虛擬電子信用卡(ICBC銀聯電子卡)及ICBC萬事達虛擬電子信用卡 (ICBC萬事達電子卡) (統稱「ICBC電子卡」) 一批即用!只需透過幾個步驟即可申請!

網上遞交申請禮品

經網上成功申請及獲批核ICBC電子卡,全新客戶每張ICBC電子卡將合資格獲取HK$50 ICBC電子卡免找數簽賬額+

    +受條款及細則約束,詳情請參閱網上遞交申請禮品之條款及細則

    迎新優惠

    全新客戶申請ICBC電子卡可享迎新優惠#

    #須於發卡後2個月內於每張電子卡簽賬或現金透支滿指定金額,方可享有關迎新優惠,受條款及細則約束,詳情請參閱ICBC電子卡迎新優惠條款及細則

    4大獨有優勢

    1.簡單

    客戶可透過工銀亞洲手機銀行應用程式、網上銀行或手機WAP申請ICBC電子卡1

    工銀亞洲特選客戶2更毋須再次提交入息證明及住址證明文件即可申請。如屬工銀亞洲全新客戶,只需掃描香港身份證、進行人像識別並填寫申請表格,以及上載入息及住址證明3便可申請

    2. 迅速

    數個步驟完成整個申請程序,一批即用

    3. 安全

    動態密碼付款,最高可獲得HK$5,0004的信用額度

    4.便捷

    客戶可以ICBC電子卡於線上購物付款、亦可透過您的Android手機把您的ICBC電子卡加入至工銀亞洲手機銀行內的移動支付*,更可把ICBC銀聯電子卡綁定Apple Pay ^及Huawei Pay+ ,到實體店盡享購物便利

    如何申請

    方法1 :透過工銀亞洲手機銀行應用程式

    第一步:於手機銀行應用程式選擇申請辦卡

    第二步:填寫資料,進行客戶身份驗證

    工銀亞洲特選客戶2更毋須再次提交入息證明及住址證明文件即可申請。如屬工銀亞洲全新客戶,只需掃描香港身份證、進行人臉識別並填寫申 請表格,以及上載入息及住址證明3便可申請

    第三步: 確認申請資訊後即成功遞交申請

    應用程式下載方式

    於App Store、Google Play或華為應用市場搜尋「工銀亞洲」或「ICBC (Asia)」,或掃描以下二維碼,即可下載工銀亞洲手機銀行應用程式。

    方法2:透過工銀亞洲網上銀行、手機WAP

    第一步:於工銀亞洲網上銀行、手機WAP選擇申請一款ICBC信用卡產品

    第二步:進行客戶身份驗證

    第三步:選擇申請ICBC電子卡

    第四步:確認申請資訊後即成功遞交申請

    體驗無卡支付便利

    客戶可以ICBC電子卡於線上購物付款,體驗無卡支付便利。客戶亦可透過您的Android手機把您的ICBC電子卡加入至工銀亞洲手機銀行內的移動支付*,即可享受便捷的信用卡手機支付。
    有關工銀亞洲手機銀行內的移動支付詳情請按此 

    把ICBC銀聯電子卡加至Apple Pay^,即可於任何接受Apple Pay 的商店內、 App內或網頁上,透過指定Apple裝置付款。無論在店內、 App內或網頁上付款,購物變得更簡單,更快捷,更安全5

    把ICBC銀聯電子卡加至Huawei Pay+,即可於全港貼有以下任何一個標誌的地方使用Huawei Pay消費6

    1.5%現金回贈

    由2020年4月9日起,全新ICBC銀聯虛擬電子信用卡客戶以Huawei Pay消費,專享1.5%現金回贈7

    註:ICBC電子卡不適用於現金透支、附屬卡申請、更換或補發ICBC電子卡及任何有關自動櫃員機的服務

    *線上購物付款及工銀亞洲手機銀行內的移動支付只適用於ICBC銀聯電子卡及ICBC萬事達電子卡。工銀亞洲手機銀行內的移動支付需在Android版本10或10以下(不包括Android版本10)及操作系统4.4.2版本以上的NFC手機上使用。

    ^Apple Pay只適用於ICBC銀聯電子卡。

    +Huawei Pay只適用於ICBC銀聯電子卡。

    1客戶可於工銀亞洲手機銀行應用程式申請ICBC電子卡。如客戶想同時申請ICBC電子卡及ICBC信用卡,客戶可透過工銀亞洲網站或手機WAP申請。

    2工銀亞洲特選客戶包括現有信用卡客戶、現有工銀亞洲自動轉賬支薪服務客戶,或於工銀亞洲持有總資產金額HK$20,000或以上的現有客戶。如非特選客戶,則需提供入息證明及住址證明文件方可完成遞交申請程序。

    3客戶必須通過掃描香港身份證、進行人像識別並填寫申請表格,以及上載入息及住址證明,才能成功遞交申請 。

    4每位ICBC電子卡客戶港幣和人民幣共用最高HK$5,000信用額度。

    5以上服務須受條款及細則約束,詳情請瀏覽www.icbcasia.com/icbc/applepay/

    6以上服務須受條款及細則約束,詳情請瀏覽www.icbcasia.com/icbc/huaweipay/

    7信用卡積分獎賞或現金回贈不適用於現金透支、結餘轉戶、信用卡現金兌現金額/稅務及私人貸款金額/商戶分期金額及其還款額、電子錢包增值/轉賬交易(包括但不限於Alipay、PayMe、Tap *~* Go及WeChat Pay)、捐款、購買賭場籌碼、博彩交易、未經許可的簽賬、所有繳費類別(包括但不限於繳付信用卡費用、分期還款計劃、各項財務收費、逾期手續費、所有賬戶服務費、以個人網上銀行及自動櫃員機繳付保險費用或公共事務費用、繳交稅項、強積金供款;或中國工商銀行(亞洲)有限公司(「工銀亞洲」)不時決定的交易類別。);亦不適用於中國內地超市購物、燃油、交通運輸費用、購買物業、汽車、批發、支付醫院費用及繳交學費等交易 (交易類別將根據VISA、Mastercard及銀聯國際不時界定之商戶分類或由工銀亞洲全權酌情決定);亦不適用於未誌賬/取消/退款/未經授權的交易。

    請即申請

    借定唔借?還得到先好借!



ICBC UnionPay Dual Currency Virtual Digital Credit Card (“ICBC UnionPay Digital Card”) and ICBC Mastercard Virtual Digital Credit Card (“ICBC Digital Mastercard”) (collectively known as the “ICBC Digital Card”) are ready for use upon approval! Just a few steps to apply for the card.

Online Application Gift

Extra HK$50 Free Credit Card Spending Limit+for each ICBC Digital Card is available for new customers who successfully applied online and being granted the designated ICBC Digital Cards.

+Terms and Conditions apply. Please refer to Terms and Conditions of the Welcome Offer for ICBC Digital Card for details.

Welcome Offer

New customers who successfully applied for ICBC Digital Card can enjoy the welcome offer #.

#To be entitled to the relevant welcome offer, new customers are required to accumulate retail spending or cash advance for the designated amount with each Digital Card within the first 2 months of the issuance of the new cards. Terms and Conditions apply. Please refer to Terms and Conditions of the Welcome Offer for ICBC Digital Card for details.

4 Exclusive Advantages

1. Simple

Customers can apply ICBC Digital Card through ICBC (Asia) Mobile Banking App 1,website or mobile WAP
ICBC (Asia) selected customers2 do not need to submit income proof and address proof again for the application. New customers just need to scan your Hong Kong identity card, conduct facial recognition, complete the application form and upload your income and address proof3 .

2.Fast

Just a few steps to complete the entire application process and the card is ready to use upon approval of the application.

3. Secure

Dynamic password payment; up to HK$5,0004credit limit.

4. Convenient

Customers can pay for online shopping with ICBC Digital Card, and add your ICBC Digital Card into Mobile Payment Services* inside ICBC Mobile Banking App via your Android phone. Customers can also bind ICBC UnionPay Digital Card to Apple Pay^and Huawei Pay+ to enjoy shopping convenience in physical stores.

How to apply

Method 1:Through ICBC (Asia) Mobile Banking App

Step 1: Choose card application to apply for an ICBC Digital Card through ICBC (Asia) Mobile Banking App

Step 2: Fill in the information for customer identity verification

ICBC (Asia) selected customers2do not need to submit income and address proof again for the application.

If you are a new customer, you are required to scan your Hong Kong identity card, conduct facial recognition, complete the application form and upload your income and address proof3.

Step 3: Confirm the application information and the application is successfully submitted.

How to download ICBC (Asia) Mobile Banking App

Search ‘ICBC (Asia)’ through App Store、Google Play or HUAWEI AppGallery, or scan the following QR codes to download the ICBC (Asia) Mobile Banking App

Method 2: Through ICBC (Asia) website or mobile WAP

Step 1: Choose to apply for an ICBC Digital Card through ICBC (Asia) website or mobile WAP

Step 2: Customer authentication

Step 3: Choose to apply for ICBC Digital Card

Step 4: Confirm the application information and the application is successfully submitted

Enjoy the convenience brought by the cardless payment

Customer can pay with ICBC Digital Card for online shopping and experience the convenience of cardless payment. Customer can also add your ICBC Digital Card into Mobile Payment Services* inside ICBC Mobile Banking App via your Android phone to enjoy convenient credit card mobile payment instantly.
For details on Mobile Payment Services inside ICBC Mobile Banking App, please click here for details.

By binding ICBC UnionPay Digital Card to Apple Pay^, you can enjoy shopping convenience when paying through designated Apple devices in any store, app or on web that accepts Apple Pay. Shopping is quicker, easier and safer whether you pay in the stores, apps or on web 5.

By Binding ICBC UnionPay Digital Card to Huawei Pay+, you can use Huawei Pay at any place posted with the following signs in Hong Kong 6.

1.5% Cash Rebate

From 9 April, 2020, new ICBC UnionPay Virtual Digital Credit Card customers can enjoy 1.5% cash rebate 7 by using Huawei Pay.

Note: ICBC Digital Card is not applicable to cash advances, supplementary card applications, replacement or reissuance of ICBC Digital Card or services related to the use of automated teller machines.

* Online shopping payment and Mobile Payment Services inside ICBC Mobile Banking App are only applicable to ICBC UnionPay Digital Card and ICBC Digital Mastercard. Mobile Payment Services inside ICBC Mobile Banking App must be used on NFC phones with Android version 10 or below 10 and operating system version 4.4.2 and above.

^ Apple Pay is only applicable to ICBC UnionPay Digital Card

+ Huawei Pay is only applicable to ICBC UnionPay Digital Card

1Customer can apply ICBC Digital Card through ICBC (Asia) Mobile Banking App. If you want to apply ICBC Digital Card and physical card at the same time, you can apply through ICBC (Asia) website or mobile WAP.

2Selected customers refer to existing ICBC (Asia) credit card customers, existing ICBC (Asia) Auto-Payroll Service customers or existing customers with total assets of HK$20,000 or above in ICBC (Asia). For non-selected customers, they need to provide income and address proof to complete the application process.

3Customers are required to scan the Hong Kong identity card, conduct facial recognition, complete the application form and upload the income and address proof for the application.

4Each ICBC Digital Card customer has a maximum sharing credit limit (amongst Hong Kong Dollar and Renminbi) of HK$ 5,000.

5The above services are subject to terms and conditions.For details, please visit here

6The above services are subject to terms and conditions.For details, please visit here

7Credit card bonus points and cash rebate are not applicable to cash advances, balance transfer, cash installment loan amount/ tax loan and personal loan amount/ merchant installment loan amount and the repayment amount, reload/ transfer of e-wallet (including but not limited to Alipay, PayMe, Tap *~* Go and WeChat Pay), donations, purchase of casino chips, gambling transactions, unauthorized transactions, all payment type (including but not limited to credit card charges, cash installment, any financial charges, overdue charges, all account service charges, settlement through online personal banking service or ATM for insurance payment or utilities bills, tax payment, payment for MPF contribution etc.; or other categories as Industrial and Commercial Bank of China (Asia) Limited (ICBC (Asia) may at its sole discretion determine from time to time). Also, the spending rewards are not applicable to the transactions of supermarkets, fuel, transportation fees, property, motor vehicle, wholesale, hospital and tuition in China etc. (transaction types are determined according to the merchant categories as defined from time to time by Visa, Mastercard and UnionPay and reserves the right to change the merchant categories from time to time, or at the sole discretion of ICBC (Asia)); or transactions which have not been posted, cancelled, refunded or not authorized are not eligible to the rewards.

Apply now!

Reminder:To borrow or not to borrow ? Borrow only if you can repay !



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