ICBC UnionPay Dual Currency Gold

Min. annual incomeRM48,000RM4,000 / month equivalent

Principal annual feeRM150

Card networkUnionPayConventional card

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THE DETAILS

Benefit breakdown

Bonus Points

Bonus Points
Eligible spending	Earn	Details
MYR retail purchases	1 BP per RM1	Visa: eligible retail billed in MYR; UnionPay: eligible retail outside mainland China.
Mainland China CNY retail purchases	1 BP per CNY2	Charged to the CNY account.
Shopping-voucher redemption	7,500 BP = RM50 voucher	Equivalent to 150 BP per RM1 voucher value; no automatic statement cashback.
Validity / pooling	No expiry	Principal and supplementary Visa / UnionPay points are pooled; only the principal cardholder may redeem.

Petrol / diesel, cash advances, balance transfer, instalments, donations, casino / gambling, fees, taxes and unauthorised transactions do not earn points. Refunded purchases reverse points.

Shopping voucher choices

Shopping voucher choices
Voucher	Points	Redemption
AEON RM50	7,500 BP	Current linked catalogue; availability subject to stock.
Isetan RM50	7,500 BP	Current linked catalogue; availability subject to stock.
Giant RM50	7,500 BP	Current linked catalogue; availability subject to stock.
Parkson RM50	7,500 BP	Current linked catalogue; availability subject to stock.

Fees & charges

Principal annual fee: RM150
Supplementary annual fee: RM75
Annual-fee waiver: First principal annual fee waived; subsequent waiver with at least 5 transactions in the preceding 12 months. Supplementary published fee: RM75 yearly.
Retail finance rate: 13.5% p.a.: 12 consecutive prompt minimum payments; 16% p.a.: at least 10 in 12 months; 17.5% p.a.: fewer than 10 or card tenure under 12 months.
Minimum monthly payment: 5% outstanding balance + full service tax + full Auto Balance Conversion monthly instalment; minimum RM50 for MYR account and/or CNY100 for CNY account.
Interest-free retail period: 20 days from statement date only when paid fully and on time. Otherwise finance charges run from the transaction posting date.
Cash advance interest rate: 18% p.a. calculated daily from the cash transaction date until full repayment; no interest-free period.
Cash advance fee: 5% of cash amount, minimum RM20 (MYR account) or CNY40 (CNY account).
Cash withdrawal fee: RM4 via MEPS Shared ATM network; RM12 overseas; CNY25 in mainland China.
Late payment charge: 1% outstanding balance, minimum RM5 and maximum RM50; CNY account minimum CNY10 and maximum CNY100.
Overseas conversion: Non-CNY foreign currencies convert to MYR at UnionPay rates plus 1% FX spread. CNY mainland-China transactions remain in the CNY account; repay that balance in CNY.
Over-limit fee: RM10 per occurrence.
Card replacement fee: RM50 per card.
Service tax: RM25 per card upon activation and each activation anniversary; separate from annual-fee waiver.
Additional statement / sales draft: RM10 per monthly statement; RM15 per sales draft copy.
UnionPay ATM balance enquiry: RM1 outside mainland China; CNY2 within mainland China.

Requirements

Minimum annual income: RM48,000
Principal age: At least 21 years
Supplementary age: At least 18 years
Documents: NRIC / passport; work permit where applicable. Salaried: latest three salary slips / EA form / EPF statement. Self-employed: business registration and tax evidence / latest six months company statements.
Minimum credit limit: RM4,000; published starting limit, not a guaranteed approval amount or maximum credit limit.
Application conditions: Residency / nationality and document acceptance are subject to ICBC Malaysia assessment; foreign applicants should confirm with the bank.

Payment plans

Auto Balance Conversion

Auto Balance Conversion
Facility	Pricing	Qualification
36-month conversion	Effective interest rate not more than 13% p.a.	Selected Malaysian cardholders: monthly income at most RM5,000; past-12-month payment ratio at most 10%; account current and not delinquent.
First conversion	Two months advance notice; 30-day cooling-off opt-out	No penalty for opting out of the first conversion.
Subsequent conversion	Eligibility reviewed every 12 months with one month notice	May opt out before conversion. Early settlement has no penalty.

The converted balance continues to use the card credit limit. This is a targeted balance-conversion programme, not a general 0% merchant instalment promise.

Product features

Points redemption: Complete the linked redemption form and submit to a branch or Cards Centre; collect rewards at the branch. Only the principal cardholder can redeem pooled points; points cannot be cashed.
Annual fee using points: Points may also be redeemed against annual fees. Request at least two months before the annual-fee anniversary. Confirm the current points quotation before redeeming.
Payment methods: ICBC internet / mobile banking, eligible standing instructions, branch counters and accepted interbank channels. Pay the correct card account / currency; CNY and MYR balances must both be attended to.
Huawei Pay: All ICBC Malaysia UnionPay credit cards are listed as eligible for Huawei Pay through Huawei Wallet on compatible NFC devices. This does not establish Apple Pay or Google Pay compatibility.
Dual-currency repayment: CNY spending in mainland China is billed in CNY, while other spending is billed in MYR. There is one shared credit limit; not two separate limits.

Product disclosure·Card terms·Huawei Pay guide·Terms apply

Card photograph: RinggitPlus; source watermark retained.

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.