ICBC UnionPay Dual Currency Gold

Go gold with the ICBC UnionPay Dual Currency Gold credit card. Now you can charge all your shopping expenses in Renminbi when in China.

ICBC UnionPay Dual Currency GoldEarn Even On Renminbi
Min. Income
Annual Fee
Easy Payment Plan
From 0% p.a.
Interest Rate
13.5% p.a.
20 days


Earn 1 bonus point for every 1 Ringgit or 2 Renminbi charged to your credit card. Use them to redeem amazing gifts and rewards. The reward points you earned will never expire!

Bonus Points Rewards
1 point on every RM1on all retail expenses


ICBC wins out by sheer size and acceptance - a massive network with more than 2 million accepted outlets, 3 million Point Of Sale terminals and close to 300 thousand ATMs all around China, truly an international bank.

Fees & Charges

Annual Fee
  • RM150 primary card

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

  • RM75 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RM20 or 5% of withdrawn amount, whichever is higher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



The ICBC UnionPay Dual Currency Gold credit card is ideal for entrepreneurs travelling back and forth to China, with access to extensive merchant networks on the Mainland.

ICBC UnionPay Dual Currency Gold, a marriage of two currencies

As ICBC UnionPay Dual Currency Gold cardholders, you can have the privilege of dual currency card payments. 

A swipe of your credit card in China will be settled with Chinese Yuen, and in Ringgit Malaysia when making payments elsewhere in the world. 

The absence of any exchange rate charges will give you greater ease of mind when whipping out your piece of plastic.

High credit limit

You get to enjoy a higher initial credit limit of RM4,000 with this ICBC UnionPay Dual Currency Gold Credit Card.

Earn as you spend

Receive 1 reward point for every Ringgit spent, or for every 2 RMB while in China. 

The more you spend, the more points you accumulate to enjoy many great prizes.

ICBC UnionPay Dual Currency Gold Eligibility

ICBC UnionPay Dual Currency Gold is only applicable for Malaysian adults and Chinese nationals currently residing in Malaysia. 

In order to apply for this ICBC credit card, you will need an annual income of RM48,000 and above.

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