ICBC UnionPay Dual Currency Classic

The only dual currency Classic Credit Card that allows you to charge in Renminbi while in China and Ringgit everywhere else in the world.

ICBC UnionPay Dual Currency ClassicRinggit and Renminbi Credit Card
Min. Income
Annual Fee
Easy Payment Plan
From 0% p.a.
Interest Rate
13.5% p.a.
20 days


Earn 1 reward point for every 1 Ringgit or 2 Chinese Yuen you charge to your credit card and redeem amazing prizes. There's no expiry date on your reward points!

Bonus Points Rewards
1 point on every RM1on all local retail expenses


This ICBC UnionPay Dual Currency credit card can be used at more than 2 million merchants, over 3 million POS terminals and nearly 300 thousand ATMs across China. It is also accepted in over 100 countries.

Fees & Charges

Annual Fee
  • RM75 primary card

    Free for first year and waived when you swipe at least 5 times a year for subsequent years

  • RM35 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM5 or 1% of outstanding amount, up to a maximum of RM50
Cash withdrawal Fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysian and Chinese citizens only



ICBC UnionPay Dual Currency Classic - Dual Currencies Credit Card

The ICBC UnionPay Dual Currency Classic credit card is good news for frequent flyers to China, whether it's for business or pleasure.

Now you get to charge your payments in Chinese Yuen without first settling unnecessary overseas transaction fees for your Middle Kingdom spending. 

If you have a savings account in Renminbi with ICBC, you can sign up for a Standing Instruction or via ICBC online and pay in the local currency for any transactions completed in China. 

For spending anywhere else, your purchases will be charged in Ringgit - Flexibility and convenience in your hands!

Credit Limit

For this ICBC Classic credit card, you get a modest credit limit up to a maximum of RM3000. 

If you wish for a higher limit, you can look at the Gold or Platinum card options.

ICBC UnionPay Dual Currency Classic Eligibility

ICBC UnionPay Dual Currency Classic is only applicable to Malaysian adults and Chinese nationals residing in Malaysia. 

To apply for this card, you need an annual income of at least RM24,000.

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