ICBC UnionPay Dual Currency Platinum credit card

ICBC UnionPay Dual Currency Platinum

Live the Platinum life and enjoy free premier service at selected airport lounges in China. Preferential Ringgit to Renminbi exchange rates with no extra fees.

  • 13.5% p.a. interest rate
  • 20 days interest-free period
  • RM330.00 annual fee
  • Earn up to 1x reward point 

Apply online now for ICBC UnionPay Dual Currency Platinum

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Because you should be rewarded for giving the bank your business

Get 1 reward point for every RM1 or 2 RMB you spend in Malaysia and China respectively.
Bonus Points Rewards
1 point on every RM1on all retail expenses
Rewards points earned never expires
Comprehensive Travel Protection providing you with a China Medical Card, Global travel and Global purchase protection. You also get to enjoy premier service at selected airport lounges when traveling in China.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year and waived when you swipe at least 3 times a year for subsequent years
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM5 or 1% of outstanding amount, up to a maximum of RM50
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Malaysian and Chinese citizens only

ICBC UnionPay Dual Currency Platinum review

What's so good (or not so good) about it?

ICBC UnionPay Dual Currency Platinum credit card is your ultimate travel companion for your next trip to China. All the travel benefits under this card are designed to enhance your pleasure and peace of mind when checking in at the airport, or when trekking the Great Wall of China.

Double Currency - Double Benefit

A unique feature only shared among ICBC credit card members, transactions made in China using an ICBC credit card will be made in Chinese Yuen. With a savings or current account with ICBC in Chinese Yuen, you can have the convenience of a Standing Instruction and make payments in both Renminbi and Ringgit, depending on where you are in the world. No longer do you need to worry about annoying exchange rate charges!

Premium Travel Privileges

Get free VIP access at selected airport lounges across China! All you have to do is present your ICBC UnionPay Dual Currency Platinum card when prompted, and treat yourselves to free entertainment, food, and beverage - the best in Chinese hospitality without even stepping out of the airport!

High Credit Limit

Don't fall out of your seat just yet, but you can stretch your credit limit up to a maximum of RM10,000 with this ICBC UnionPay Dual Currency Platinum Credit Card!

Platinum Eligibility

This card is open to all Malaysian adults and Chinese nationals residing in Malaysia aged 21 and above. To apply for this card, you need an annual income of at least RM 100000.

For Salaried Employee:

  • Malaysian NRIC
  • latest 3 months salary slips or EA forms or EPF statement.

For self-employed or business owner:

  • business registration certificate e.g. Form 29 & 48 and Form BE or B with Tax receipts from Malaysian Income Tax or
  • latest 6 months company bank statement.

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