ICBC UnionPay Dual Currency Platinum

3.7How we rate →

Best for

High earners (RM8,333+/month) who frequently transact in both MYR and RMB, particularly for China travel or business

Annual Fee

RM 330

Min. Income

RM 8,333/mo

Pros

Dual MYR/RMB currency support — no conversion fees within both currencies
UnionPay Platinum — widely accepted in China
RM330 annual fee: first year free, then waived with at least 3 swipes in the previous 12 months

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	RM 330
Fee Waiver	First year free; then waived with at least 3 swipes in the previous 12 months
Min Income	RM 8,333/month
Apply Online	Yes

How does ICBC UnionPay Dual Currency Platinum compare?

See how it stacks up against other credit cards from Malaysian banks.

Compare credit cards →

Rates from ICBC's official product page, verified 7 Oct 2026. Product details and rates are subject to change — always confirm directly with the bank before applying.