Bank of China (UK) Great Wall International Classic Credit Card review July 2020

Last updated:  

Suitably decorated with a picture of the Great Wall of China, this card lets you earn reward points while spending.

Representative example: When you spend £1,200 at a purchase rate of 17.1% (variable) p.a. with a fee of £10 per annum, your representative rate is 19% APR (variable).

19%

Representative APR

£10

Yearly account fee

Earn 10 points

per £1 spent

Up to 50 days

Interest-free each billing period

Details

IssuerBank of China (UK)
NetworkVisa
Annual/monthly fees£10 per annum
Purchases17.1%
Purchases interest-free periodUp to 50 days
Cash advances17.111%
Min credit limit£250
Max credit limitSubject to status: £10,000
Additional cards available1
IncentiveEarn 10 points per £1 spent on card; points can be redeemed for selected gifts or card annual fee waiver.

Only available to existing customers, Bank of China’s Great Wall International Classic Credit Card does the job nicely with a decent interest rate and the possibility to get an additional card at a reduced yearly fee.

Provided you don’t carry a balance from month to month, you’ll also enjoy up to 50 days of 0% interest on your purchases each billing cycle. Unlike with most credit cards, this also applies to cash advances.

The reward programme isn’t exactly breathtaking and you can only choose among a very limited catalogue of rewards that don’t translate as very good value for money. However, if you use the card enough you’ll be able to waive the annual fee completely thanks to the points you earn, so as long as you pay the bill on time every month, the Great Wall International Classic Credit Card doesn’t have to cost you a single penny.

This card is offered on the Visa network, so it’s accepted at over 30 million locations worldwide.

How does this card compare with other similar cards on the market?

Table: sorted by representative APR, promoted deals first
Data indicated here is updated daily
Name Product Purchases Annual/monthly fees Rep. APR Link Incentive Representative example
M&S Bank Reward Plus Mastercard
0% for 6 months reverting to 19.9%
£0
19.9% (variable)
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
M&S Bank Shopping Plus Mastercard
0% for 20 months reverting to 19.9%
£0
19.9% (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Maximiles Mastercard
0% for 3 months reverting to 17.9%
£0
17.9% (variable)
Earn 1 Maximiles point for every £1 spent. 5000 bonus points when you make your first card purchase.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
The Co-operative Bank Members' Credit Card Visa
18.3%
£0
18.3% (variable)
1p earned for every £2 spent in The Co-operative Food stores (excluding in-store concessions) and 1p earned for every £3.33 spent anywhere else. Cashback will be added to your share of the Group profits and this will be paid to you twice a year.
Representative example: When you spend £1,200 at a purchase rate of 18.3% (variable) p.a., your representative rate is 18.3% APR (variable).
HSBC Premier Credit Card Mastercard
0% for 9 months reverting to 18.9%
£0
18.9% (variable)
A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
John Lewis and Waitrose Partnership Mastercard
0% for 9 months reverting to 18.9%
£0
18.9% (variable)
Earn 1 point for every £1 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £2 spent elsewhere. Earn double points on selected insurances taken out through John Lewis Financial Services. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
AIB Visa Option 1
18.9%
£0
18.9% (variable)
0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
Bank of China (UK) Great Wall International Classic Credit Card Visa
17.1%
£10 per annum
19% (variable)
Earn 10 points per £1 spent on card; points can be redeemed for selected gifts or card annual fee waiver.
Representative example: When you spend £1,200 at a purchase rate of 17.1% (variable) p.a. with a fee of £10 per annum, your representative rate is 19% APR (variable).
loading

Compare up to 4 providers

Data indicated here is updated daily
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Link
TSB Advance Credit Card Mastercard
0% for 3 months reverting to 7.95%
0% for 3 months
(0% fee)
£0
7.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 7.95% (variable) p.a., your representative rate is 7.9% APR (variable).
The Co-operative Bank 3 Year Fixed Rate Visa
8.9%
8.9%
(0% fee)
£0
8.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 8.9% (variable) p.a., your representative rate is 8.9% APR (variable).
MBNA Long Term Low Interest Credit Card
4.9% for 48 months reverting to 8.9%
4.9% for 48 months
(0.5% fee)
£0
8.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 8.9% (variable) p.a., your representative rate is 8.9% APR (variable).
Bank of Scotland Platinum Low Rate Mastercard
9.95%
9.95%
(5% fee)
£0
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.95% (variable) p.a., your representative rate is 9.9% APR (variable).
Lloyds Bank Platinum Low Rate Mastercard
9.94%
9.94%
(5% fee)
£0
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.94% (variable) p.a., your representative rate is 9.9% APR (variable).
Ulster Bank Credit Card Mastercard
9.9%
6.9%
(0% fee)
£0
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
The Royal Bank Credit Card
9.9%
6.9%
(0% fee)
£0
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
The NatWest Credit Card
9.9%
6.9%
(0% fee)
£0
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
loading

Compare up to 4 providers

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (020 7282 8763), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Bank of China (UK) Great Wall International Classic Credit Card Visa

If you’ve compared credit cards and decided this is the one that works best for you, you can apply at one of the five branches that Bank of China has in the UK.

In order to be eligible, you have to be 18 or more and hold a Bank of China current account with a good credit history. To complete the application, you’ll need to bring the following:

  • A completed application form. You’ll need to download it from Bank of China’s website and complete it with your personal details and details of your employment.
  • Proof of ID. Such as your passport.
  • A bank statement. It has to cover the last three months.
  • Proof of employment. For example, your job’s contract and payslips.

Unfortunately, no online application process is available for this card.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site