ICBC UnionPay Dual Currency Credit Card
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Summary
Highlights of ICBC Union Pay Dual Currency Credit Card Review
- Up to 8% Cashback on retail purchases
- Up to 6 free visits to VIP lounges worldwide
- No administrative fee for card transactions in RMB and SGD
- Waiver of Annual Fee for 3 years
- Cashback capped at S$80
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Summary
Highlights of ICBC Union Pay Dual Currency Credit Card Review
- Up to 8% Cashback on retail purchases
- Up to 6 free visits to VIP lounges worldwide
- No administrative fee for card transactions in RMB and SGD
- Waiver of Annual Fee for 3 years
- Cashback capped at S$80
ICBC UnionPay Dual Currency Credit Card
ICBC UnionPay Dual Currency Credit Card
Up to 8% on retail spend
CASHBACK
$80
CASHBACK CAP
Reviews (1)
2.0
1 Reviews
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29 Oct 2019
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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
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Features of ICBC Union Pay Dual Currency Credit Card
- Up to 8% Cashback on retail purchases
- Up to 6 free visits to VIP lounges worldwide
- No administrative fee for card transactions in RMB and SGD
- Waiver of Annual Fee for 3 years
- Cashback capped at S$80
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
- Minimum Spend: S$500
- 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
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