With this card you can make payments in China using Renminbi and payments outside of China using Ringgit Malaysia, so you won't have to worry about exchange rates!
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!
Cardmembers can spend within the shared credit limit, in either CNY or in MYR!
As ICBC UnionPay Dual Currency Platinum cardmembers, you are entitled to enjoy premier service at the selected airport lounges when travelling in China!
| Earn | Spent In |
|---|---|
| 1x Bonus Points Per RM 1 | Local retail transactions |
| 1x Bonus Points Per RMB 2 | China retail transactions |
| Annual Fee For Primary Card | RM 150* |
|---|---|
| Annual Fee For Supplementary Card | RM 75* |
| Minimum Monthly Payment | RM 50 or RMB 100 or 5% of the outstanding amount, whichever is higher |
| Late Payment Fee | RM 5 or RMB 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 50 or RMB 100 |
| Cash Withdrawal Fee | RM 20 or RMB 40 or 5% of the withdrawn amount, whichever is higher |
| Interest Rate On Cash Withdrawals | 18% p.a. |
*First year waived. Subsequent years waived you make a minimum for 5 transactions p.a.
| 13.5% Per Annum | Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months |
|---|---|
| 16.0% Per Annum | Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle |
| 17.5% Per Annum | Tier 3: Cardmembers who do not fall within the above categories |
| Minimum Annual Income | RM 48,000 |
|---|---|
| Minimum Age For Primary Card | 21 years old |
| Minimum Age For Supplementary Card | 18 years old |
| Who Can Apply | Anyone |
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