ICBC UnionPay Dual Currency Classic
Spend in Renminbi in China and Ringgit everywhere else. Keep your travel smooth and free from foreign conversion fees with dual-currency billing.
Eligibility
Minimum Monthly Income
RM 2,000 (RM 24,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Malaysian and Chinese citizens only
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides) or passport (if any)
- A copy of Chinese Citizen ID (both sides)
- A copy of the working permit for primary or supplementary card (if any)
- Latest 3-month salary slips / EA form / EPF statement
Fees & Charges
Interest Rate
13.5% - 17.5%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for first year and waived when you swipe at least 5 times a year for subsequent years
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
13.5%
Features
Universal Acceptance Across China and Globally
Travel without boundaries. The ICBC UnionPay Dual Currency credit card provides 100% complete nationwide coverage across mainland China, giving you seamless access to millions of merchants, point-of-sale terminals, and every interbank ATM. Beyond China, your card is ready for global travel with wide acceptance spanning 183 countries and regions worldwide.