ICBC UnionPay Dual Currency Platinum credit card

ICBC UnionPay Dual Currency Platinum

Live the Platinum life and enjoy free premier service at selected airport lounges in China. Preferential Ringgit to Renminbi exchange rates with no extra fees.

  • 13.5% p.a. interest rate
  • 20 days interest-free period
  • RM349.80 annual fee
  • Earn up to 1x reward point 

Apply online now for ICBC UnionPay Dual Currency Platinum

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for ICBC UnionPay Dual Currency Platinum

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to ICBC website

If you have any questions let us know at, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.


Because you should be rewarded for giving the bank your business

Get 1 reward point for every RM1 or 3 RMB you spend in Malaysia and China respectively.
Reward Points
1 point on every RM1on all retail expenses
Your Reward Points earned expires in  1 year 6 months
Comprehensive Travel Protection providing you with a China Medical Card, Global travel
 and Global purchase protection. You also get to enjoy premier service at selected airport lounges when traveling in China.
Travel CoverageSum Insured
Travel InsuranceUp to RM330000

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year and waived when you swipe at least 3 times a year for subsequent years
Annual Fee for Supplementary Card
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
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal

*inclusive of 6% GST


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

ICBC UnionPay Dual Currency Platinum review

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

ICBC UnionPay Dual Currency Platinum credit card is your ultimate travel companion for your next trip to China. All the travel benefits under this card are designed to enhance your pleasure and peace of mind when checking in at the airport, or when trekking the Great Wall of China.

Double Currency - Double Benefit

A unique feature only shared among ICBC credit card members, transactions made in China using an ICBC credit card will be made in Chinese Yuen. With a savings or current account with ICBC in Chinese Yuen, you can have the convenience of a Standing Instruction and make payments in both Renminbi and Ringgit, depending on where you are in the world. No longer do you need to worry about annoying exchange rate charges!

Comprehensive Travel Protection

As a platinum cardholder, you also get a Free China Medical Card that acts much like a medical insurance card for all your medical needs in China. Cardholders are eligible for complimentary flight and travel accident insurance coverage of up to USD100000. Lastly, you are protected against loss, theft and damages for items purchased with your ICBC UnionPay Dual Currency Platinum Credit Card under the Global Purchase Protection scheme.

Premium Travel Privileges

Get free VIP access at selected airport lounges across China! All you have to do is present your ICBC UnionPay Dual Currency Platinum card when prompted, and treat yourselves to free entertainment, food, and beverage - the best in Chinese hospitality without even stepping out of the airport!

High Credit Limit

Don't fall out of your seat just yet, but you can stretch your credit limit up to a maximum of RM500000 with this ICBC UnionPay Dual Currency Platinum Credit Card!

Platinum Eligibility

This card is open to all Malaysian adults and Chinese nationals residing in Malaysia aged 21 and above. To apply for this card, you need an annual income of at least RM 100000.

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.

Read More