Products · Credit Cards · ICBC UnionPay Dual Currency Gold
IC
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.
Rates from ICBC, verified 11 Apr 2026. Product details and rates are subject to change — always confirm directly with the bank before applying.