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No Limitations in Reality, No Distance from Dreams
The ICBC Shangri-La Credit Card is a global co-branded credit card jointly launched by Industrial and Commercial Bank of China (ICBC) and Shangri-La International Hotel Management Ltd., which integrates the benefits of the ICBC Platinum Card and Shangri-La Circle.
Card Issuance Modes:
Under the “1+1” mode, a UnionPay single-logo RMB card and a Visa or MasterCard single-logo multi-currency card are issued simultaneously. Both cards use magnetic stripe and chip technologies, and their accounts are linked. Under the single-brand mode, a UnionPay card is issued as an RMB card, while a MasterCard card is issued as a card for RMB and 10 foreign currencies. Both cards use magnetic stripe and chip technologies (supporting contact and contactless payments domestically and internationally). A single card can be used across the corresponding card network both in China and abroad. It also supports all payment methods, including swipe, insert, swing, and scan, ensuring smooth payments both domestically and internationally.
Warm reminder: For more details about the acceptance, use, and repayment of dual-chip combo card products, please refer to the ICBC Dual-Chip Combo Card User’s Guide on ICBC’s official website--Credit Cards--Information Disclosure.
Charge Standard:
As a platinum card, the card costs RMB2,000 per year. Within the card year, platinum card customers do not need to pay the annual fee for the current year by spending RMB200,000 (or equivalent in foreign currency).
Co-branded Featured Benefits
★ Shangri-La Circle Membership
This card, with two numbers, is not only a platinum credit card with extensive functions, but also a membership card for Shangri-La Circle. The cardholder will automatically become a Gold member of Shangri-La Circle and enjoy the corresponding benefits (if you are already a member, you will retain the current valid membership level).
★ Automatically Receiving Shangri-La Circle Points from Consumption
Every 120 consumption bonus points with the ICBC co-branded card will be automatically exchanged for 1 Shangri-La Circle Point (1 bonus point will be awarded for every RMB1 spent, and the points will be calculated after the foreign currency spent is converted into RMB, except for the specific transactions that do not award co-branded points as stipulated by ICBC, such as online transactions and third-party linked card transactions), and you can easily enjoy various rewards and services of Shangri-La Circle. Shangri-La Circle Points can be redeemed for free stays at Shangri-La Group hotels, food and spa vouchers, and instant redemption awards, as well as airline partner flight miles.
Terms and Conditions:
1. Shangri-La Circle Points automatically converted from the co-branded cardholder’s ICBC consumption bonus points in a month will be credited to his/her Shangri-La Circle account before the end of the next month. 1 bonus point will be awarded for every RMB1 spent, and the points will be calculated after the foreign currency spent is converted into RMB, except for the specific transactions that do not award co-branded points, such as online card linking. For more information, please call 95588.
2. Once Shangri-La Circle Points are credited to the cardholder’s account, their validity and use are subject to the terms and conditions of Shangri-La Circle, and the Shangri-La Circle reserves the right to modify them at any time.
3. If the cardholder cancels the credit card before Shangri-La Circle Points are credited to his/her account, he/she will no longer have this benefit and shall not seek any compensation from ICBC.
4. This benefit and any matters not covered herein are governed by the terms and conditions of Shangri-La Circle and other relevant regulations.
5. To acquire Shangri-La Circle Points, please provide your accurate email address on the application form. If you already have a Shangri-La Circle membership number, please provide it in the “Membership Number” field.
6. If your ICBC consumption bonus points are fewer than 120 points in the current month, they will be accumulated for exchange in the next month.
7. Shangri-La Circle Points exchanged from the consumption bonus points of the supplementary cardholder will be credited to the Shangri-La Circle account of the primary cardholder.
★ 10% Off the Flexible Rate on Hotel Stays Worldwide
Cardholders enjoy a 10% discount on the Flexible Rate when staying at any participating Shangri-La Group hotels worldwide.
Terms and Conditions:
1. This offer is valid until October 31, 2026.
2. This offer is valid for stays at any Shangri-La Group hotel worldwide (except for Zhoushan Shangri-La) at the Flexible Rate.
3. This offer is only applicable to room reservations made through Shangri-La’s official website, Shangri-La Circle mobile App, and Shangri-La Circle WeChat Mini Program, by calling Shangri-La’s toll-free service hotline at 400-186-6888 for the Chinese mainland, or by contacting the hotel. Please quote the promotion code “ICBC1” upon reservation.
4. Cardholders are required to present their ICBC Shangri-La Credit Card at check-in and settle payment upon check-out by using the same Credit Card in order to enjoy the offer.
5. Service charges and government tax are not eligible for the room discount.
6. Prior reservation is required and the offer is subject to availability at the time of reservation.
7. This offer is non-transferable and not valid in conjunction with other offers or promotions.
8. This offer is subject to the terms and conditions of Shangri-La Circle.
★ 15% Discount on Dining at Hotels Worldwide
Cardholders enjoy a 15% discount when dining at any participating Shangri-La hotel restaurant worldwide and paying with the ICBC Shangri-La Credit Card.
Terms and Conditions:
1. This offer is valid until October 31, 2026 (except for Mother’s Day, Father’s Day, Christmas Eve, Christmas Day, New Year’s Eve, New Year’s Day, and the Chinese New Year’s Eve).
2. This offer is valid at all Shangri-La hotel restaurants worldwide except: Cafe Malacca and Lobby Bar and Lounge at JEN Hong Kong by Shangri-La; CHAO No.18 at Shangri-La Zhoushan; Diner de Fleurs at Shangri-La Singapore; Ensue at Futian Shangri-La, Shenzhen; GIADA Garden at China World Hotel, Beijing; GOLDEN SILK and TEA ROOMat The Silk Lakehouse, Shangri-La, Hangzhou; Jinyue at China World Summit Wing, Beijing; Mott 32 at Shangri-La Toronto; Red Chicken and Dockyard at Kerry Hotel, Hong Kong; Indikaya Restaurant & Bar, The Avenue Club, Zula The Kitchen & Bar, and YOY neo bistro at Shangri-La Dubai; The Boutique by Shangri-La Tokyo; The Grand Boat at Pudong Shangri-La, Shanghai; The Rocks Teppanyaki and Harts Pub at Shangri-La Sydney; Upper Deck at Kerry Sports Manila of Shangri-La The Fort, Manila. Participating restaurants or bars will be adjusted from time to time. Please refer to the terms and conditions of Shangri-La Circle for details.
3. Cardholders must settle their bills with the ICBC Shangri-La Credit Card at the participating restaurants to enjoy the discount. Spending charged to the rooms is not eligible for this offer.
4. Service charges and government tax are not eligible for the restaurant discount.
5. This offer is not valid in conjunction with other offers, promotions, or restaurant rewards and coupons.
6. This offer is valid for a maximum of 12 guests at the same time and can only be enjoyed once on one receipt per restaurant visit. This offer is not applicable to meeting and event services.
7. This offer is subject to the terms and conditions of Shangri-La Circle.
★ 20% or Higher Discount on Health Club Annual Membership Fee
Cardholders can get up to 20% off the annual membership fee of the health club at any participating Shangri-La hotel in the Chinese mainland by paying with this card.
Terms and Conditions:
1. This offer is valid until October 31, 2026.
2. This offer is applicable to the annual membership purchase at any participating health club in the Chinese mainland (except for non-participating hotel health clubs).
3. Discount rates and sales volume may vary by hotel. Please contact the hotel health club for inquiries or card purchases.
4. Cardholders are required to settle their annual membership fee with the ICBC Shangri-La Credit Card to enjoy the discount.
5. Service charges and government tax are not eligible for the annual card discount.
6. This offer is non-transferable and not valid in conjunction with other offers or promotions.
7. Terms and conditions of the health club are applicable to this offer.
★ Fast Upgrade to Jade Membership of Shangri-La Circle
ICBC Shangri-La Credit Cardholders will automatically become a Gold member of Shangri-La Circle, while existing Shangri-La Circle members will retain the current valid membership level. Stay with just ten qualifying paid nights in a calendar year and you will be upgraded to Shangri-La Circle Jade membership, which is valid until the end of the following year. After upgrading to Jade Membership, the cardholders will enjoy 25% more points for every USD1 (or equivalent) spent, complimentary buffet breakfasts, and early check-in and late check-out privileges.
Terms and Conditions:
1. This benefit is valid until October 31, 2026 for ten qualifying paid nights achieved in a calendar year.
2. This benefit is exclusive to ICBC Shangri-La Credit Cardholders who are also Shangri-La Circle Gold members.
3. Qualifying paid nights are hotel stays under qualifying room rates, which will count toward qualification for upgrade to Shangri-La Circle Jade membership.
4. To enjoy this benefit, cardholders must settle the payment upon check-out by using their ICBC Shangri-La Credit Card.
5. The membership upgrade will be done before the 15th day of the following month after the completion of the 10th qualifying night’s stay.
6. The Jade membership upgrade offer is only applicable to the current membership year. Each member can only enjoy the fast upgrade offer once. The renewal criteria for the next membership year are subject to the terms and conditions of Shangri-La Circle.
7. This benefit is not applicable to Shangri-La Circle Jade membership renewal.
8. This benefit is subject to the terms and conditions of Shangri-La Circle.
★ 25% Discount on Shangri-La Buffets
ICBC Shangri-La Credit Cardholders enjoy a 25% discount when swiping the card on your buffet bill at All-Day Dining restaurants of participating Shangri-La Group hotels in the Chinese mainland (not including Hong Kong SAR, Macau SAR, and Taiwan Region, China) from June 11 to December 30, 2025.
Terms and Conditions:
1. This offer is valid from June 11 to December 30, 2025 (including weekends, but excluding Father’s Day, October 1-3, October 6, Christmas Eve, and Christmas Day).
2. This offer is only applicable to two and more adults having buffets during breakfast, lunch and dinner time at All-Day Dining restaurants of participating Shangri-La Group hotels in the Chinese mainland. Children under 12 accompanying the card holders may enjoy a 50% discount on the buffets.
3. Cardholders must settle their bills with the ICBC Shangri-La Credit Card at the participating hotels restaurants to enjoy the discount. Spending charged to the rooms is ineligible for this offer. Dining discounts exclude the 10% service charge and prevailing government taxes.
4. This offer is invalid at All-Day Dining restaurants of China World Summit Wing, Beijing; JEN Shenyang by Shangri-La; Shangri-La Zhoushan; The Silk Lakehouse, Shangri-La, Hangzhou; Shangri-La Nanning; Shangri-La Putian; Shangri-La Sanya; JEN Shenzhen Qianhai by Shangri-La.
5. This offer is not valid in conjunction with other offers, promotions and Shangri-La Circle Points Redemption or with the Shangri-La Circle Food and Beverage Redemption Vouchers.
6. This offer is valid for a maximum of 12 adults at the same time and can only be enjoyed once on one receipt per dining period. This offer is not applicable to special events, meetings, or banquet services.
7. The event is held by Shangri-La International Hotel Management Ltd. This offer is subject to the terms and conditions of Shangri-La Circle.
For details of the above featured benefits, please contact Shangri-La Group’s toll-free service hotline at 400-186-6888 for the Chinese mainland or visit the official Shangri-La website.
Blockbuster Promotions
★ Overseas Spending 1% Cashback (Applicable to UnionPay-Branded Cards)
From now until December 31, 2025, holders of ICBC Shangri-La Credit Cards (UnionPay-branded) can enjoy 1% cashback on overseas spending (including Hong Kong SAR, Macau SAR, and Taiwan Region, China) made via the UnionPay network, for both online and offline transactions. The monthly cashback cap is RMB100. The total monthly cashback pool for this promotion is RMB615,000, offered on a first-come, first-served basis until funds are exhausted.
Promotion details:
1. No registration required.
2. Eligibility criteria: Cashback will be provided for an overseas purchase made via UnionPay channels (online or offline) using an ICBC Shangri-La Credit Card. Exchange rates are based on UnionPay’s official rates. (UnionPay exchange rates are updated daily from Monday to Friday; Saturday and Sunday rates follow Friday’s rate. Unless otherwise specified, certain European currencies are updated at 16:30 Beijing time and other currencies at 11:00 Beijing time.)
3. Conditions for overseas spending cashback: Overseas transactions (including Hong Kong SAR, Macau SAR, and Taiwan Region, China) via the UnionPay network, both online and offline. Overseas cash withdrawals, tax refunds/refunds, and transactions via third-party payment platforms such as Alipay or WeChat Pay are excluded. Currency conversion is based on UnionPay’s exchange rates.
4. Transaction date is determined by the date recorded in the UnionPay’s clearing system.
5. Cashback will be credited in the currency used for the transaction in UnionPay’s system. Cashback will be credited within T+10 days (T = the date on which the qualifying transaction occurs, i.e., the purchase date).
6. Returns, tax refunds, reversals, or cancellations are not eligible for cashback. ICBC reserves the right to claw back cashback amounts credited for transactions that do not meet eligibility criteria. If any customer is found to have abused the promotion to obtain cashback rewards, ICBC reserves the right to revoke their eligibility to continue participating in the cashback promotion. For inquiries regarding cashback amounts, please contact our customer service hotline (95516).
7. If a customer’s card is frozen, suspended, retrieved, or canceled, or if the customer is involved in fraud, cash-advance abuse, overdue repayment, failure to repay other debts owed to ICBC, or has engaged in or is suspected of engaging in any illegal, non-compliant, or prohibited activities in violation of the Peony Credit Card Regulations, Cardholder Agreement, the promotion terms, or other applicable regulations, the customer will forfeit eligibility to participate in this promotion and receive cashback. ICBC reserves the right, without further notice, to directly deduct the cashback amount from the customer’s credit card or take appropriate legal action.
★ No Annual Fee for the First Year
From now until December 31, 2025, ICBC Shangri-La Credit Card holders who successfully apply for and activate the card will be exempt from the annual fee for the first year, and existing Shangri-La Circle Diamond and Jade members who successfully apply for and activate the card will be exempt from the annual fee for three years.
★ Free and Exclusive Rewards for New Customers
From February 1 to December 31, 2025, new customers who successfully apply for an ICBC Credit Card and make any one qualifying purchase will have the chance to receive one of the following gifts: a signature trolley case, RMB108 instant rebate, a camping gear, a trendy toy, and others. Popular gifts will be continuously updated. Gifts are subject to the brand-specific gift page during the promotion period. Quantities are limited and available on a first-come, first-served basis.
Note: The specific types of gifts and detailed promotion terms are subject to the information displayed on the service page of the ICBC e-Life Plus Mini Program.
High-end Travel Benefit
★ Global Airport and High-Speed Rail Lounge Access (Applicable to Platinum Cards)
From January 15 to December 31, 2025, Platinum Card holders of this product will have the opportunity to enjoy global airport and high-speed rail lounge services. Access eligibility will be dynamically updated in accordance with the M-tier status under the ICBC Credit Card Upgrading System. For details, please refer to the event announcements on ICBC’s official website or other official channels.
For more details, please refer to >>Website of ICBC China-Credit Cards Channel-Value-added Services Column-2025 Airport & High-Speed Rail Travel Promotion Guide (icbc.com.cn)
★ Buffet & Afternoon Tea Discount (Applicable to Visa and UnionPay Cards)
1. From January 1 to December 31, 2025, the Visa card holder of this product can enjoy “Visa Exclusive Preferential Pricing” for buffets and afternoon tea at high-end hotels. 30+ high-end hotels in 10+ cities in China are covered. Hotel brands include Shangri-La, Kerry, Kempinski, Westin, InterContinental, Fairmont, JW Marriott, Sheraton, Hilton, and so on. The specific rules of the event are subject to the display page.
For details, please consult the official Visa service account “V Select” by searching for “Luxury Hotel Buffet/Afternoon Tea.”
2. From January 1 to September 30, 2025, the holders of the UnionPay-branded Card of this product will have access to the benefit with accompanying travelers, which states “when two or more guests dine together, one guest can enjoy the buffets and afternoon tea for free”. Each UnionPay Platinum Credit Card can enjoy the service nine times within the service period.
For details, please refer to “UnionPay App -> Exclusive Offers”, “Exclusive Offers -> UnionPay Card Privileges” -> “High-end Card Benefits -> Star-Rated Hotel Dining Privileges” in the WeChat official account “UnionPay Card Official Service Account”.
★ Cashback for Consumption Worldwide (Applicable to MasterCard-branded Cards)
From now until December 31, 2025, holders of the MasterCard-branded card of this product can enjoy cashback, when consuming at designated merchants in Japan, Singapore, Thailand, South Korea, Australia, France, the United Kingdom, Italy, Brazil, the United Arab Emirates, the United States, Spain, Malaysia, Hong Kong SAR, and Macau SAR, China. For detailed activity rules, please refer to the “MasterCard” WeChat mini program. Search for “Global Rewards” to view all participating cashback merchants. The information displayed on the MasterCard page shall prevail.
Unique Financial Benefits
★ Ten Foreign Currencies and Zero Foreign Exchange Fee (Exclusive to Visa and MasterCard Cards)
The card, besides Renminbi, is available in ten foreign currencies, namely, US Dollar, Euro, Hong Kong Dollar, British Pound, Japanese Yen, Singapore Dollar, Canadian Dollar, Australian Dollar, Swiss Franc, and New Zealand Dollar. When you use the card in the Visa or MasterCard card network in countries or regions where the ten foreign currencies are used, the accounts will be credited directly in the corresponding currency with no need for currency exchange, or for paying the exchange fees. When you use the card in the Visa or MasterCard card network in countries or regions where the ten foreign currencies are not used, the system will automatically convert the transaction currency into US dollars and credit the amount to the US dollar account, and automatically exempt the corresponding exchange fees. For repayment, you can choose to use RMB to purchase foreign exchange or choose from the ten foreign currencies for direct repayment, which offers you more choices and greater convenience.
★ Traffic Accident Insurance Worth up to RMB4 Million
As long as you successfully activate the Platinum Card, you will receive a traffic accident injury insurance worth up to RMB4 million insured by ICBC for you free of charge. For details, please refer to the event announcements on ICBC’s official website.
For details, please click >>
★ Travel Inconvenience Insurance Worth up to RMB5,000
Upon successful activation, you will receive a travel inconvenience insurance worth up to RMB5,000 insured by ICBC for you free of charge. For details, please refer to the event announcements on ICBC’s official website.
For details, please click >>
★ Account Security Insurance Worth up to RMB50,000
When your consumption meets the criteria, you will receive an account security insurance worth up to RMB50,000. For details, please refer to the event announcements on ICBC’s official website.
For details, please click >>
★ Grace Period of Three Days and Grace Difference of RMB100
For cards opened after November 1, 2018 (inclusive), the repayment grace period is three days, which means that a three-day repayment grace period service is provided to card holders, and card holders are deemed to have made repayment on time when they make repayment within three days after the due date of repayment.
For cards opened after November 1, 2018 (inclusive), the repayment grace difference for the current period is RMB100. On the due date for repayment of the grace period (due date for repayment + grace period), when the outstanding portion of all repayable amounts of the previous bill is less than or equal to RMB100, it can be regarded as if the cardholder has repaid it in full. This portion of the outstanding amount is included in the amount to be repaid in the next period.
For ICBC Shangri-La Credit Cards opened before November 1, 2018, the interest accrual method II agreed in Article 21 of the ICBC Peony Credit Card Regulations shall apply, and in the event of failure to repay in full the amount due for the current period, the card issuer will charge overdraft interest on the outstanding portion of the amount from the date of the Bank’s record to the date of repayment. For ICBC Shangri-La Credit Cards opened after November 1, 2018 (inclusive), the interest accrual method I agreed in Article 21 of the ICBC Peony Credit Card Regulations shall apply. If the full amount of the current repayment due is not repaid, the entire overdraft amount due for the current period shall no longer enjoy the treatment of an interest-free repayment period. The card issuer will charge overdraft interest on the entire overdraft amount due for the current period from the date of the Bank’s account to the date of repayment.
Warm reminder:
For more product features and use specifications, please refer to the Peony Credit Card Application Agreement (Personal Card) and the ICBC Peony Credit Card Regulations or contact 95588 for details.
Multi-currency credit cards are reported and displayed by account, according to the data collection specifications of the People’s Bank of China for the credit standing system. In other words, the account information will be displayed separately in the RMB account and ten foreign-currency accounts in the credit report. The tail number of the card corresponding to each account record will be the tail number of the same primary card. This displayed rule will not have any impact on your credit record. The overdue circumstance of one currency account will not affect the normal display of other currency accounts. Thank you for your understanding.
If you apply for a card at an outlet, please fill in the product code in the application form as follows:
MasterCard-branded ICBC Shangri-La Credit Card: 46000471
VISA-branded ICBC Shangri-La Credit Card: 46000470
Version July 2025
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