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Bank of China Great Wall International MasterCard Credit Card (Student Card)

Data last updated 24 July 2026
19.99%
Purchase rate
$20
Annual fee
50 days
Interest-free

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CardIQ

69Good

Good

Overall score, out of 100 · How this works

  • First timer69

Customer reviews

No reviews yet. Be the first to review the Bank of China Great Wall International MasterCard Credit Card (Student Card).

Pros & cons

What's good

  • The $20 annual fee is low: it undercuts the $70 median.
  • 2.5% foreign transaction fee, below the 3% most cards charge.
  • No fee to add an additional cardholder.

Worth noting

  • The 19.99% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Standard
Card type
Mastercard
Card use
Personal
Credit limit
$500 – $20,000
Credit rating
Good
Rewards program
None

Eligibility

Instant approval
No
Joint application
No
Minimum age
18 years old
Minimum income
Not specified
Residency
Australian citizen or permanent resident enrolled in tertiary education with a source of income
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
21.74% p.a.
Purchases
19.99% p.a.

Fees

Additional cardholder fee
$0
Annual fee
$20 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

This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.

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.

Annual fee$20 a yearTop 25% (35th of 200 cards)
Overseas fee2.50%Top 25% (35th of 200 cards)
Purchase rate19.99%Middle of the market (97th of 196 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