Frequent travelers to China shouldn't be without ICBC credit cards in their wallets. The dual-currency ICBC UnionPay credit card may not get much attention in Singapore, but it has something no other credit card has: zero conversion fees when you make transactions in USD or RMB. Annual fees are also waived for the first 3 years, and cardmembers get 3 reward points for every Singapore dollar spent. Get an ICBC credit card through!

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