ICBC UnionPay Dual Currency Gold Card

Mohon untuk ICBC UnionPay Dual Currency Gold Card dengan ICBC

Dengan kad ini, anda boleh membuat pembayaran di China menggunakan Renminbi dan pembayaran di luar China menggunakan Ringgit Malaysia, jadi anda tidak perlu bimbang tentang kadar pertukaran!

ICBC UnionPay Dual Currency Gold Card
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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!

Premium
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 In
1x Bonus Points Per RM 1 Local retail transactions
1x Bonus Points Per RMB 2 China retail transactions
  • Bonus points never expire 

Fees and Charges

Annual Fee For Primary Card RM 150*
Annual Fee For Supplementary Card RM 75*
Mininum 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Cash Withdrawal Fee RM 20 or RMB 40 or 5% of the withdrawn amount, whichever is higher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.

Interest Rate

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

Requirements

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