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.

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


Get 1 reward point for every RM1 or 2 RMB you spend in Malaysia and China respectively.

Bonus Points Rewards
1 point on every RM1on all retail expenses


Comprehensive Travel Protection provides you with a China Medical Card, Global travel and Global purchase protection. You also get to enjoy premier service at selected airport lounges when travelling in China.

Fees & Charges

Annual Fee
  • RM330 primary card

    Free for first year and waived when you swipe at least 3 times a year for subsequent years

  • RM165 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RM20 or 5% of withdrawn amount, whichever is higher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



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.

ICBC UnionPay Dual Currency Platinum - 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!

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 RM10,000 with this ICBC credit card!

ICBC UnionPay Dual Currency Platinum Platinum Eligibility

ICBC UnionPay Dual Currency Platinum 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 RM100,000.

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