- Ask Community
- ProductsUSER REVIEWS
- Content
- Events
Ask Community
Product Comparison
Content
Ultimate guides to kickstart your finances
ICBC UnionPay Dual Currency Credit Card
- Overview
- Reviews (1)
- Questions (0)
- More Details
ICBC UnionPay Dual Currency Credit Card
2.0
1 reviews
ICBC UnionPay Dual Currency Credit Card
2.0
1 reviews
Reviews (1)
2.0
1 Reviews
- 50
- 40
- 30
- 21
- 10
Read Review About...
card ability
ability spend
spend cny
cny china
china careful
careful merchants
merchants picky
picky card
card surface
surface fine
Most Recent
- Most Helpful
- Most Recent
- Low to High
- High to Low
Most HelpfulMost RecentLow to HighHigh to Low
- Updated on 29 Oct 2019
Purchased
ICBC UnionPay Dual Currency Credit Card
Got the card due to ability to spend in CNY in China. While it is possible; be careful as some merchants are picky about the card, so even though on surface looks fine (ICBC branded and BIN corresponds to CN issued) machines may reject. Also do make sure have PIN set up as China merchants generally do not allow signature only transactions. When settling the credit card bill - do note you need to go to ICBC branch at Raffles Place with the CNY notes, so a bit inconvenient. CS a bit spotty - calling in for fee waiver (they are generous with initial period - 3 years but eventually need to go through) and they put me on hold for 11 minutes before... cutting me off! Perhaps a one-off because on calling again, did get someone real immediately. It does feel a bit "China style" with the IVR saying "you are being served by staff number XXXX". Anyway, style issues aside, they did process fee waiver without issues so happy enough.0 comments0
Questions (0)
Recent Activity
- Recent Activity
- Unanswered
- Trending
Recent ActivityUnansweredTrending
No questions found.
Eligibility for ICBC Union Pay Dual Currency Credit Card
- Principal cardholders minimum age must be at least 21 years of age
- Supplementary cardholders minimum age must be at least 18 years of age and a family member of the Principal Applicant
- Singaporeans, PR and foreigner; Minimum annual income of $30,000
- Minimum Fixed Deposit Collateral of $10,000
Fees and Charges for ICBC Union Pay Dual Currency Credit Card
- Annual Principle Fee: S$150
- Annual Supplementary Card fee: S$75
- Fee waiver: Available
- Interest-Free Period: 25 days
- Annual Interest Rate: 24%
- Minimum monthly payment: 3% or $50, whichever is higher
- Late payment charge: $40
- Cash advance fee: 5% or $15, whichever is higher
- Overlimit fee: N/A
- Fees for foreign currency transactions: Up to 2.5% of the transaction amount
- Lost / stolen card liability: S$100
Key features of ICBC Union Pay Dual Currency Credit Card
- No administration fees for all transactions made in RMB
- Payment by RMB or SGD
- Enjoy Global VIP lounge service at high-speed railway stations and Airports
- From now till 31 December 2019, all ICBC UnionPay Dual Currency Credit Card holders can receive a total 6 DragonPass points
- For every visit to VIP lounge at the airports, 1 point will be deducted per person
- For every visit to VIP lounge at the high-speed railway stations, 0.5 point will be deducted per person
- You can enjoy up to 6 free visits to VIP Lounge at airports or up to 12 visits to VIP lounge at high-speed railway stations
- When there are only 0.5 points left, it can only be used at high-speed railway stations’ VIP lounge - Waiver of Annual Fee for 3 years