Looking for the best credit cards with the lowest fees, best rewards, and exclusive benefits in China? We've analyzed 5 Credit Cards from top banks operating in China to help you find the perfect match for your needs.
Whether you're an expat, a local resident, or a business professional, this guide covers everything from annual fees and interest rates to rewards programs and eligibility requirements. All data is sourced directly from bank product listings and updated regularly.
Top 5 Credit Cards in China (2026)
1. ICBC Visa Infinite
Bank: ICBC
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.50% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Lounge Access, Dinning Benefits
ICBC premium Visa Infinite card with global airport lounge access, comprehensive travel insurance, and UnionPay cross-border benefits.
2. ICBC Gold Card
Bank: ICBC
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.50% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Travel Benefits, Purchase Protection
ICBC gold tier card with travel insurance, shopping protection, and rewards points across ICBC partner merchants.
3. ICBC Mastercard Platinum
Bank: ICBC
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.50% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Lounge Access, Travel Benefits
Premium Mastercard with airport lounge access, hotel discounts, and enhanced rewards for international spending.
4. CCB Visa Platinum
Bank: China Construction Bank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.50% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Lounge Access, Travel Benefits
China Construction Bank premium card with airport lounge access, travel insurance, and Dragon Card rewards program.
5. CCB Gold Card
Bank: China Construction Bank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 1.50% per month
- Key Benefits: Chip/Pin, Supplementary Cards, Shopping Discounts, Digital Wallet, Travel Benefits, Purchase Protection
CCB gold card with shopping protection, basic travel insurance, and rewards points at partner merchants.
How to Choose the Right Card
When comparing Credit Cards in China, consider these factors:
- Annual Fee: Some cards offer zero annual fees, while premium cards with lounge access and travel insurance may charge higher fees but offer greater value.
- Minimum Salary: Each bank has different eligibility requirements. Cards with lower salary requirements are easier to qualify for.
- Rewards & Cashback: Look for cards that match your spending habits — dining, travel, shopping, or fuel.
- Interest Rate: If you plan to carry a balance, compare the monthly interest rates carefully.
Compare All Credit Cards in China
Want to see all available options? Compare all Credit Cards in China →
Last updated: April 2026. All information is for comparison purposes only. Please verify details directly with the bank before applying.
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