ICBC UnionPay Dual Currency Classic credit card

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.

  • 13.5% p.a. interest rate
  • 20 days interest-free period
  • RM75.00 annual fee
  • Earn up to 1x reward point 

Apply online now for ICBC UnionPay Dual Currency Classic

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Because you should be rewarded for giving the bank your business

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
Rewards points earned never expires
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 ATM across China. It is also accepted in over 100 countries.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year and waived when you swipe at least 5 times a year for subsequent years
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM5 or 1% of outstanding amount, up to a maximum of RM50
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Malaysian and Chinese citizens only

ICBC UnionPay Dual Currency Classic review

What's so good (or not so good) about it?

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

Dual Currencies

Now you get to charge your payments in Chinese Yuen without first settling unnecessary overseas transaction fees 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 Classic 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 a Gold or Platinum card options.


This card is only to applicable for Malaysian adults and Chinese nationals residing in Malaysia. To apply for this card, you need an annual income of at least RM 24000.

For Salaried Employee:

  • Malaysian NRIC
  • latest 3 months salary slips or EA forms or EPF statement.

For self-employed or business owner:

  • business registration certificate e.g. Form 29 & 48 and Form BE or B with Tax receipts from Malaysian Income Tax or
  • latest 6 months company bank statement.

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