| 1. Interest, penalty fee, service fee and other charges |
|
| Interest |
16% per year |
| Starting Date of Interest Calculation |
Calculate Interest at posting date of transaction |
| Late payment fee |
Free |
| Installment prepayment fee on credit card monthly installment plan* |
1% per annum of the total remaining amount of the installment |
| Cash Advance Interest |
16% per year |
| Starting Date of Cash Advance Interest Calculation |
Calculate Interest at Cash Advance Transaction Date |
| Remark: * Installment prepayment fee 1% per annum (when combining Installment prepayment fee on credit card monthly installment plan with other interest, penalty fee, service fee and other charges, it shall be the amount not more than the amount calculated at the rate of 16% per annum). |
|
| 2. Minimum payment required |
8% of outstanding balance in the monthly credit card statement.
(From accounting period January 2024 - December 2025)
|
| 3. Cash advance fees* |
|
| ICBC in Mainland China |
1% of the total cash advance amount |
| ICBC (Thai) |
1% of the total cash advance amount |
| ICBC Overseas |
3% of the total cash advance amount |
| Other banks in Mainland China |
3% of the total cash advance amount |
| Other banks in Thailand |
3% of the total cash advance amount |
| Other banks in Overseas |
3% of the total cash advance amount |
| Remark：*Cash Advance Fees on other Bank’s ATMs network depends on each ATM fee rate. |
|
| 4. Interest-free period |
Up to 56 days from the posting date (Full Payment) |
| 5. Fee by card type |
Platinum
|
Gold
|
Classic
|
|
Primary Card
|
Supplement Card
|
Primary Card
|
Supplement Card
|
Primary Card
|
Supplement Card
|
| ICBC (Thai) VISA and UnionPay Credit Card |
|
|
|
|
|
|
| Joining fee |
Free |
Free |
Free |
Free |
Free |
Free |
| Annual fee |
4,000 |
1,500 |
1,000 |
500 |
500 |
300 |
| ICBC (Thai) Horoscope UnionPay Credit Card and ANY MasterCard Credit Card |
|
|
|
|
|
|
| Joining fee |
Free |
Free |
- |
- |
- |
- |
| Annual fee |
3,000 |
3,000 |
- |
- |
- |
- |
| 6. Payment charges |
|
| 6.1 Direct Debit from ICBC (Thai) Account |
Free |
| 6.2 Pay Cash at ICBC (Thai) |
Free |
| 6.3 Pay Cheque at ICBC (Thai) |
Free |
| 6.4 Pay through ICBC Electronic Banking |
Free |
| 6.5 Pay through ICBC (Thai) ATM |
Free |
| 6.6 Pay through BBL and KBank Counters |
Free |
| 6.7 Pay through BBL and KBank Electronic Banking |
Free |
| 6.8 Pay through all LOTUS's services |
Service Charges depend on LOTUS's fee rate |
| 7. Inquiry fee |
|
| ICBC in Mainland China |
Free |
| ICBC (Thai) |
Free |
| ICBC Overseas |
THB 20/transaction |
| Other banks in Mainland China |
THB 20/transaction |
| Other banks in Thailand |
THB 10/transaction |
| Other banks in Overseas |
THB 20/transaction |
| 8. Over Limit fee |
Free |
| 9. Reject direct debit or bounced cheque fee ? |
Free |
| 10. Copy of statement fee |
THB 100/statement/month |
| 11. Copy of sales slip fee |
THB 100/copy for domestic transaction |
THB 300/copy for overseas transaction |
| 12. Replacement of Card Password fee with envelop |
Free |
| 13. Replacement of credit card fee |
THB 200/card |
| 14. Debt collection fee |
Free |
| 15. Dynamic Currency Conversion Fee (DCC Fee) |
1% of spending amount in Thai baht at the overseas registered merchants, including online merchants |
| 16. Cost of Exchange Risk |
| The Cardholder agrees and accepts that all expenses incurred from the Credit Card (including Cash advances and Cash withdrawals) in any currency other than Thai Baht shall be converted into Thai Baht pursuant to the inter-bank exchange rate as quoted by the credit card organizations of which the bank is a member, on the date that the Bank is notified of the spending or advanced amount. In addition, Cardholder acknowledges and agrees the Bank is entitled to charge the hedging premium from the Cardholder as determined by the Bank but not exceeding 2% of such exchange rates in order to mitigate the exchange rate risk. |
| 17. Business Security Agreement Registration Fee |
|
| 17.1 Business Security Agreement Registration |
0.1% of registration amount, maximum at THB 1,000 and bill payment THB 15 |
| 17.2 Registration Amount Increase |
0.1% of increased registration amount, maximum at THB 1,000 and bill payment THB 15 |
| 17.3 Registration Amount Decrease |
THB 215 (included bill payment THB 15) |
| 17.4 Business Security Agreement Adjustment, excluded the registered amount |
THB 215 (included bill payment THB 15) |
| 17.5 Business Security Agreement Registration Cancellation (customer cancels Credit Card) |
THB 215 (included bill payment THB 15) |
| 17.6 Business Security Agreement Registration Cancellation (customer defaults payment exceed 90 days) |
THB 215 (included bill payment THB 15) |
| Remarks: |
| 1) Interest rates and fees are subject to change with prior notice from the Bank from time to time. Such change will be notified to Cardholder 30 days (7 days for the urgency) in advance and will become effective in accordance with the applicable terms and conditions. |
| 2) If the Cardholder makes the cash withdrawal at overseas ATM, the ATM assessment fee may be charged from the Acquiring Bank. |
| 3) All fees are not included of VAT. |
| 4) Business Security Agreement Registration Fee is in accordance with the ministerial regulations of Ministry of Commerce and Ministry of Finance. |
