Dual-currency card refers to a credit card with both RMB account and foreign currency account. Dual-currency credit cards are settled in RMB in China. If you swipe your card abroad, you will automatically enter the foreign currency settlement system. Depending on the type of card, it will be converted into currencies of different countries, and will be remitted when repaying, which will generate certain handling fees.

The main function of all currencies is to exempt currency conversion fees and handle the transaction needs of all currencies. No matter where you spend money, you can repay it directly in RMB after returning home, and you can also avoid the formalities of purchasing foreign exchange.

For ICBC, there is no difference between the application conditions for dual-currency cards and single-currency cards. You can choose the credit card type according to your own needs. The specific card handling conditions are as follows:

1. At least 18 years old;

2. Hold a valid ID card;

3. No bad credit record

4. Have a fixed work certificate

5 proof of income stamped with the financial seal of the unit

6. Other financial certificates, such as real estate, automobiles, stocks and bonds.

7. Social endowment insurance certificate;

8. Provide two contacts.

The first three conditions must be met, and trying to provide 4-7 proof materials will improve the success rate and credit limit of card processing. It is best to apply for a credit card at the bank counter, and there will be a phone call after approval. I wish you success in handling the card.