Products · Credit Cards · ICBC UnionPay Dual Currency Classic
IC
Best for
Entry-level earners (RM2,000+/month) who want ICBC's most accessible dual-currency MYR/RMB card
Annual Fee
Free
Min. Income
RM 2,000/mo
Pros
- Lowest income threshold (RM2,000/month) for an ICBC dual-currency card
- MYR/RMB dual currency support
- Annual fee free with spend waiver
Cons
- Classic tier — lower credit limit
- No cashback
- UnionPay acceptance limited outside China-linked markets
Full specifications
| Annual Fee | Free |
| Fee Waiver | Free* |
| Min Income | RM 2,000/month |
| Apply Online | Yes |
How does ICBC UnionPay Dual Currency Classic compare?
See how it stacks up against other credit cards from Malaysian banks.
Rates from ICBC, verified 11 Apr 2026. Product details and rates are subject to change — always confirm directly with the bank before applying.