Dual-currency card
ICBC Visa Gold
ICBC Visa Gold
RM 4,000Min. Monthly Income
RM 0Annual Fee*
13.5% p.aInterest Rate
Earn reward points whether you're spending in Ringgit or Yuan with this dual-currency card, ideal for cross-border transactions.
Eligibility
Minimum Monthly Income
RM 4,000 (RM 48,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Malaysians 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
Every Ringgit and RMB2 you spend on this ICBC credit card earns you reward points, redeemable for a wide range of prizes. Best part? Your points never expire, so they're yours to keep for life.