ICBC UnionPay Dual Currency Platinum
Access VIP airport lounges in China and save on travel costs with zero foreign exchange transaction fees on all Ringgit-to-Renminbi spending.
Eligibility
Minimum Monthly Income
RM 8,333 (RM 100,000 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 3 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
Dual-Currency Reward Multiplier
Earn points easily on both local and overseas spending. You get 1 reward point for every RM1 spent in Malaysia, and 1 reward point for every RMB2 spent when shopping in China.
China Medical Assistance and Global Coverage
Travel with confidence across mainland China and beyond. This card secures your journey with comprehensive travel insurance and global purchase protection for your shopping. It also features a specialized China Medical Card to ensure smooth medical access while abroad, plus VIP lounge entry at selected Chinese airports to keep your transit stress-free.