ICBC UnionPay Debit Card credit card

ICBC UnionPay Debit Card

The one and only UnionPay Debit Card in Malaysia that gives you a headstart when you travel to mainland China

  • RM8.00 annual fee
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

This ICBC UnionPay Debit card is widely accepted, not only in China, but in over 100 countries around the world!

Fees & Charges

There are always fees but how much are they?

Annual Fee


Are you eligible for this debit card?

Minimum age for primary card holder
18 years old
Who can Apply

ICBC UnionPay Debit Card review

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

Shopping in China made easier with  ICBC UnionPay Debit Card

Skip the queue at money changers and enjoy hassle-free payment experience with ICBC UnionPay Debit Card when you're traveling to China and more than 100 countries around the world! Psst, you don't have to understand Mandarin or other Chinese dialects when making payments. Simply check the amount before you pay and key in your debit card PIN.

Benefits of owning this ICBC debit card

ICBC UnionPay Debit Card offers a lot of features and benefits that you can enjoy, such as:

  • hassle-free and speediest payment experience in China, as well as over 100 countries
  • automatically make a conversion to the currency you're currently residing so you can enjoy cashless shopping when traveling
  • no extra charge when shopping at UnionPay listed merchants
  • no credit approval needed, get your ICBC UnionPay Debit Card instantly
  • option to activate the ICBC debit card for overseas transactions

What are the fees and charges?

Here are the fees and charges that you need to pay:

  • card issuance = RM8
  • annual fee = RM8
  • withdrawal = RM4 (at MEPS Shared ATM network, RM12 (at overseas network except for Mainland China)
  • balance enquiry = free ( ICBC ATM and MEPS Shared ATM) and RM1 (UnionPay network)
  • overseas transaction conversion (forex) = 1%
  • card replacement = RM12
  • sales draft = RM15
  • monthly statement = RM5

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