ICBC is the most ******* difficult.
Still need to fill form submit, their PW requirement is very long.
OTP also longer than others.
My application took 1 hour plus last year at their Chinatown point branch.
But their perks are the best for cashback so LL lor.
Maybank is also good and easier to apply.
Best of all, Maybank's CC waiver is automated, just call press a few buttons and on the spot settled.