Products · Credit Cards · ICBC UnionPay Dual Currency Classic

IC

ICBC

ICBC UnionPay Dual Currency Classic

3.3

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

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Data sources:

Aggregator: RinggitPlus listing
Rates verified: 11 Apr 2026