| 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 |
No Charge |
| Cash Advance Interest |
16% per year |
| Starting Date of Cash Advance Interest Calculation |
Calculate Interest at Cash Advance Transaction Date |
| 2. Minimum payment required |
Minimum Payment of 5% of the outstanding balance |
| 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 |
| 4. Transfer fee (ICBC Thailand) |
1% of the total transfer amount |
| 5. Interest fee period |
Up to 56 days from the posting date (Full Payment) |
| 6. 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 |
|
|
|
|
|
|
| Joining fee |
Free |
Free |
- |
- |
- |
- |
| Annual fee |
3,000 |
3,000 |
- |
- |
- |
- |
| 7. Payment charges |
|
| 7.1 Direct Debit from ICBC (Thai) Account |
No Charge |
| 7.2 Pay Cash at ICBC (Thai) |
No Charge |
| 7.3 Pay Cheque at ICBC (Thai) |
No Charge |
| 7.4 Pay through ICBC Electronic Banking |
No Charge |
| 7.5 Pay through ICBC (Thai) ATM |
No Charge |
| 7.6 Pay through BBL and KBank Counters |
No Charge |
| 7.7 Pay through BBL and KBank Electronic Banking |
No Charge |
| 7.8 Pay through all TESCO LOTUS services |
Service Charges depend on TESCO LOTUS fee rate |
| 8. Inquiry fee |
|
| ICBC in Mainland China |
Free |
| ICBC (Thai) |
Free |
| ICBC Overseas |
THB 20 per transaction |
| Other banks in Mainland China |
CNY 4 or THB 20 per transaction |
| Other banks in Thailand |
THB 10 per transaction |
| Other banks in Overseas |
THB 20 per transaction |
| 9. Over Limit fee |
No Charge |
| 10. Reject direct debit or bounced cheque fee ? |
No Charge |
| 11. Copy of statement fee |
THB 100 per statement/month |
| 12. Copy of sales slip fee |
THB 100 per copy for domestic transaction |
THB 300 copy for overseas transaction |
| 13. Replacement of Card Password fee with envelop |
No Charge |
| 14. Replacement of credit card fee |
THB 200 per card |
| 15. Debt collection fee |
No Charge |
| 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) The Bank waives the annual fee for the first three years and waives the annual fee in subsequent years if customer use card and the amount reach the Bank’s promotion standard. |
| 5) Business Security Agreement Registration Fee is in accordance with the ministerial regulations of Ministry of Commerce and Ministry of Finance. |