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
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!

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

Premium

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 approval 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RM20 or 5% of withdrawn amount, whichever is higher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

Features

Review

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

A marriage of two currencies

As 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.

Eligibility

This card is only to applicable for Malaysian adults and Chinese nationals currently residing in Malaysia. In order to apply for this card, you will need an annual income of RM 48000 and above.

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.