Products · Credit Cards · ICBC UnionPay Dual Currency Platinum
IC
Best for
High earners (RM8,333+/month) who frequently transact in both MYR and RMB, particularly for China travel or business
Annual Fee
Free
Min. Income
RM 8,333/mo
Pros
- Dual MYR/RMB currency support — no conversion fees within both currencies
- UnionPay Platinum — widely accepted in China
- Annual fee free with spend waiver
Cons
- UnionPay acceptance limited outside China/Malaysia vs Visa/Mastercard
- No cashback
- Primarily valuable for those with China-linked spending — limited general use
Full specifications
| Annual Fee | Free |
| Fee Waiver | Free* |
| Min Income | RM 8,333/month |
| Apply Online | Yes |
How does ICBC UnionPay Dual Currency Platinum compare?
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Rates from ICBC, verified 11 Apr 2026. Product details and rates are subject to change — always confirm directly with the bank before applying.