Chu was born in Kowloon. Her father was a mathematic teacher who later started a business with her mother. She attended The Hong Kong Academy for Performing Arts from 1990 to 1992, during which time she hosted children's shows on the television station TVB. After graduating in 1992, she started working on films. Her roles with Stephen Chow kick-started her film career, and she is considered one of the Sing girls. Later, she moved on to work on television dramas produced by TVB.
After leaving TVB, Chu worked as a model and continued acting in films during the 1990s. In 2000, she started working on Mainland Chinese and Taiwanese television series.
She was nominated for the Golden Horse Award for Best Leading Actress in 1999 and for the International Emmy Award for Best Actress in 2011.