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.

Product summary
- Min. Income
- RM4,000/month
- Annual Fee
- Free*
- Easy Payment Plan
- From 0% p.a.
- Interest Rate
- 13.5% p.a.
- Interest-free
- 20 days
Rewards
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!
Earn | Spend |
---|---|
1 point on every RM1 | on all retail expenses |
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
- RM150 primary 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- RM20 or 5% of withdrawn amount, whichever is higher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
- 18%
Requirements
- Minimum Annual Income
- RM48,000
- Minimum Age
- 21 years old years old primary card
- 18 years old supplementary card
- Who can apply
- Malaysian and Chinese citizens only