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RM20 or 5% of withdrawn amount, whichever is higher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  years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysian and Chinese citizens only