ICBC UnionPay Dual Currency Classic

Apply for ICBC UnionPay Dual Currency Classic by ICBC

Unionpay Dual Currency allows payments in China to be made in Renminbi and payments outside of China to be made in Ringgit, giving you peace of mind regarding exchange rates

ICBC UnionPay Dual Currency Classic
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Product Highlights

World
Dual Currency Credit Card

Never worry about exchange rates again, as this card will give you the flexibility of paying China payments in Renminbi and out-of-China payments in Ringgit Malaysia!

Cash advance
Spend as You Wish with Shared Credit Limit

Cardmembers can spend within the shared credit limit, in either CNY or in MYR

Pass
Premier Airport Lounge Access

As ICBC UnionPay Dual Currency Platinum cardmembers, you are entitled to enjoy premier service at the selected airport lounges when travelling in China

Features

Rewards

Local rewards
Earn Spent
1 Point on every RM1 on all retail expenses in Malaysia
1 Point on every 2 RMB on all retail expenses in China
  • Your reward points never expire.
  • Redeem a wide variety of amazing gifts and rewards.

Missing

Fees and Charges

Annual fee

RM75.00, but free for the first year.

Waived when you swipe at least 5 times per annum in subsequent years.

Annual Fee for Supplementary Card RM35.00
Minimum monthly payment RM50 or 5% of outstanding amount
Late payment fee RM5 or 1% of outstanding amount, up to maximum of RM50
Cash withdrawal fee RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest rate on cash withdrawals 18%
*inclusive of 6% GST

Interest Rate

13.5% Interest Rate Per Annum Tier 1: Cardholders with prompt payments for 12 consecutive months
16% Interest Rate Per Annum Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.
17.5% Interest Rate Per Annum Tier 3: Cardholders who do not fall under the above categories.

Requirements

Minimum Annual Income RM 24,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old