Credit Card Compare

Bank of China Great Wall International Mastercard Credit Card (Gold Card)

Data last updated 22 July 2026
19.99%
Purchase rate
$100
Annual fee
50 days
Interest-free

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CardIQ

50Fair

Fair

Overall score, out of 100 · How this works

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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
Mastercard
Card use
Personal
Credit limit
$4,000 – $100,000
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
$100 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
2 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.

Overseas fee2.50%Top 25% (35th of 200 cards)
Rewards value$360 a yearBetter than most (26th of 95 cards)
Purchase rate19.99%Middle of the market (97th of 196 cards)
Annual fee$100 a yearMiddle of the market (118th of 200 cards)
Interest-free days50 daysNot as good as most cards (117th of 192 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
Bank of China