Products · Credit Cards · ICBC UnionPay Dual Currency Gold
IC
ICBC
ICBC UnionPay Dual Currency Gold
3.5
Best for
Mid-income earners (RM4,000+/month) with regular MYR/RMB spending needs who want ICBC's Gold-tier dual currency card
Annual Fee
Free
Min. Income
RM 4,000/mo
Pros
- Dual MYR/RMB currency card — ideal for China-related spending
- Annual fee free with spend waiver
- Gold tier — suitable for moderate China travel and transactions
Cons
- UnionPay acceptance limited outside China-linked markets
- No cashback
- Gold tier — lower credit limit than Platinum version
Full specifications
| Annual Fee | Free |
| Fee Waiver | Free* |
| Min Income | RM 4,000/month |
| Apply Online | Yes |
How does ICBC UnionPay Dual Currency Gold compare?
See how it stacks up against other credit cards from Malaysian banks.
Data sources:
- Aggregator: RinggitPlus listing
- Rates verified: 11 Apr 2026