Remarks

1. In Hong Kong, cash advance limit is subject to individual ATM. In Mainland China, cash advance is limited to a maximum of RMB5, 000 per day.
2. For the travel life coverage details, please refer to the insurance contract for details.
3. Bonus point and Cash Rebate cannot be earned in respect of cash advances, balance transfer, cash installment loan, installment plan, donation, purchase of casino chips, gambling transaction, credit card annual fee and all kinds of handling fees and financial charges and any unauthorized transactions.
4. For the first redemption of air ticket, Card member is required to accumulate a minimum of 20,000 kilometers in the account of Air China Companion. Other redemption details are subject to and comply by the Terms and Conditions of ICBC Hong Kong Credit Card Centre, Air China and / or CNAC.
5. The Medical Card will be sent to Card member within 3-4 weeks upon card activation. To enjoy the above benefits, Card Members are required to fulfill a total spending of HKD10,000 (applicable to both retail purchase and cash advance) within the first year of card issuance (The spending of HKD and RMB can be combined.) Otherwise, a handling fee of HKD450 will be debited from your card account after the 12th month. The validity of the Medical Card is 1 year. If Card Member cancels ICBC Dual Currency Credit Card within the validity of the Medical Card, the service of Medical Card will be ceased immediately upon card cancellation. If Card Member is already an existing Medical Card holder, China Pacific Insurance will provide the Card Member a Personal Accident Insurance Coverage of up to HKD200,000. This booklet is for reference only; please refer to the terms and conditions in the insurance contract for details. The above medical insurance is provided by China Pacific Insurance (Hong Kong) Limited and ICBC shall not be held liable for the quality of the product under any circumstances.
6. Key hospitals are administrated by the Health Bureau, the Health Department and the Ministry of Health P.R. China and Bureau of Medical Administration Health Department of the General Logistics Department of the People’s Liberation Army of China. Please refer to the Terms and Conditions of your individual insurance policy for protection scope and limitation.
7. Please refer to China Minsheng Banking Corp Ltd branches for details
8. Please refer to member Policy for the detail Terms and Conditions.
9. Handling fee will be waived.
10. Applicable to all ICBC (Asia) Hong Kong Dollar Account clients, the payment of your Renminbi balance will be in the form of a remittance and the handling fee will be waived.
11. Make a crossed cheque payable to "ICBC (Asia) Credit Card Centre" in Hong Kong Dollars and mail to P. O. Box 27, General Post Office, Hong Kong. ICBC (Asia) Credit Card Centre must receive your cheque 7 working days before the Payment Due Date. Please write your Credit Card account number marked with "Renminbi Payment" at the back of your cheque. The payment of your Renminbi balance will be in the form of a remittance and the handling fee will be waived. Please note that a separate cheque should be given for the payment of Hong Kong Dollars balance.
12. Service is applicable to Card Member who has savings account in ICBC, Mainland China and successfully apply for Internet Banking Services.
13. Service is applicable to Card Member who has Hong Kong Dollars savings account in ICBC (Asia) and successfully apply for Phone Banking Services.