ICBC UnionPay Dual Currency Credit Card Reviews and Comparison - Seedly
 

ICBC UnionPay Dual Currency Credit Card

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Credit Cards/ICBC UnionPay Dual Currency Credit Card

ICBC UnionPay Dual Currency Credit Card

Up to 8% at selected grocery stores
CASHBACK
Unlimited
CASHBACK CAP
$500
MINIMUM SPEND

    ICBC UnionPay Dual Currency Credit Card

    Up to 8% at selected grocery stores
    CASHBACK
    Unlimited
    CASHBACK CAP
    $500
    MINIMUM SPEND
Reviews (1)

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card ability

ability spend

spend cny

cny china

china careful

careful merchants

merchants picky

picky card

card surface

surface fine

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  • 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.
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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