Bank of ChinaBank of China Global UnionPay Card
The Bank of China Global UnionPay Card
At a glance
- Purchase rate
- 19.99%
- Foreign transaction fee
- 2.50%
- Rewards
- Rewards Points
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 19.99% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 46th lowest of 51 |
| Rewards cardOngoing purchase rate on a card that earns points | 19.99% | 12.99%Virgin Money Australia's Virgin Money Low Rate Credit Card | 20.99%of 25 institutions | 6th lowest of 25, level with 3 others |
Rates
Every rate Bank of China publishes for this credit card, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed21.74% p.a interest on cash advance from transaction date and banlance transfer after transferred period | - | - | - | 21.74% | - | cash advance and balance transfer rate |
| Purchase19.99% p.a interest on purchase after interest free period | - | - | - | 19.99% | - | purchase rate |
Fees
18 fees published, grouped by when they're charged.
While you hold it1
- Annual Fee$60
When you make a transaction14
- Cash advance Fee
$3 or 1.5% of the total cash advance amount
No fee - Failed inter-bank direct debit fee$20
- Failed intra-bank direct debit fee$10
- Currency Conversion Fee
2.5% of total transaction amount
2.50% of transaction - Fee for Smart Interest Free Instalment Plans
1.35% of total installed amount for 3 months
1.35% of transaction - Fee for Smart Interest Free Instalment Plans
2.6% of total installed amount for 3 months
2.60% of transaction - Fee for Smart Interest Free Instalment Plans
4.25% of total installed amount for 3 months
4.25% of transaction - Fee for Smart Interest Free Instalment Plans
6.25% of total installed amount for 3 months
6.25% of transaction - Fee for Smart Interest Free Instalment Plans
9.95% of total installed amount for 3 months
9.95% of transaction - Fee for Smart Interest Free Instalment Plans
14.10% of total installed amount for 3 months
14.10% of transaction - Fee on Balance Transfer
2.5% of total transferred amount for 3 months
2.50% of transaction - Fee on Balance Transfer
5% of total transferred amount for 6 months
5.00% of transaction - Fee on Balance Transfer
9% of total transferred amount for 9 months
9.00% of transaction - Fee on Balance Transfer
13% of total transferred amount for 12 months
13.00% of transaction
If a payment is late or fails1
- Late payment Fee$15
When particular things happen2
- Card replacement fee$10
- Copy of statement fee$5
Features
Eligibility and limits
- Amount from $500, no maximum
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Published by Bank of China under the Consumer Data Right, last changed by them on 25 Sept 2024. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.