Bank of China Global UnionPay Card
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CardIQ
Strong
Overall score, out of 100 · How this works
- Rewards70
Customer reviews
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Pros & cons
What's good
- 2.5% foreign transaction fee, below the 3% most cards charge.
Worth noting
- The 19.99% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
- No balance transfer or introductory purchase offer.
Card details
The basics
- Additional cardholder fee
- $20 p.a.
- Card tier
- Gold
- Card type
- UnionPay
- Card use
- Personal
- Credit limit
- $500 – $50,000
- Credit rating
- Good
- Rewards program
- Bank of China Rewards
Eligibility
- Instant approval
- No
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 21.74% p.a.
- Purchases
- 19.99% p.a.
Fees
- Additional cardholder fee
- $20
- Annual fee
- $60 p.a.
- Cash advance fee
- 1.5% of the amount
- Foreign transaction fee
- 2.5%
- Late payment fee
- $15
Repayments
- Interest-free period
- Up to 50 days on purchases
- Minimum repayment
- 4% of the outstanding balance (excluding overdue amounts) or $20, whichever is greater
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Earn rate
- Everyday spend
- 5 pts per $1
- Bonus categories
- None
- Other purchases
- None
- Overseas spend
- None
- ATO/government
- None
- Reduced rate above monthly cap
- None
- Points cap
- Uncapped
- Points expiry
- Points earned before 30 June expire on 30 June two years later; points earned from 1 July expire on 30 June three years later.
Sign-up bonus
- Bonus spend required
- —
- Sign-up bonus
- —
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Bank of China