According to the calculation rules of overdue interest on ICBC's credit cards, the daily penalty interest is five ten thousandths of overdue principal and interest, that is, the penalty interest for one year overdue is 5000*365*0.0005=9 12.5 yuan. Therefore, if the credit card is overdue for one year, the interest to be repaid is 5,000 yuan plus 9 12.5 yuan, making a total of 59 12.5 yuan. However, due to laws, policies and bank regulations in different periods, the calculation of actual penalty interest may be different. Please consult the relevant staff of ICBC.