ICBC visa credit card cannot be used for direct repayment with the associated ICBC UnionPay credit card. According to the relevant information, the ICBC visa credit card cannot be used for direct repayment with the associated ICBC UnionPay credit card. The credit card is a dual-label card of UnionPay and VISA, so there is no need to repay it separately because it is a credit card account. Now that UnionPay cards and VISA cards are separate, users naturally need to separate the two cards.