ICBC UnionPay Dual Currency Gold
Shop like a local in mainland China. The ICBC UnionPay Gold credit card bills your Chinese transactions directly in Renminbi to avoid extra fees.
Eligibility
Minimum Monthly Income
RM 4,000 (RM 48,000 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
Non-Expiring Dual-Currency Rewards
Turn your everyday spending into rewards that never expire. Earn 1 bonus point for every RM1 spent locally or every RMB2 spent in China, giving you total freedom to save up your points and redeem gifts whenever you choose.
Nationwide Acceptance Across China
Benefit from truly limitless reach. Powered by the expansive China UnionPay interbank network, this card gives you 100% seamless acceptance at millions of merchants, point-of-sale (POS) terminals, and every single ATM across mainland China. Backed by ICBC, the world's largest commercial bank, you can travel and spend with absolute confidence anywhere you go.