Bank of China (UK) Great Wall International Classic Credit Card review 2020
Suitably decorated with a picture of the Great Wall of China, this card lets you earn reward points while spending.
Finder rating: ★★★★★
Doing its job: 4/5
In a nutshell:
Yearly account fee
Earn 10 points
per £1 spent
Up to 50 days
Interest-free each billing period
|Issuer||Bank of China (UK)|
|Annual/monthly fees||£10 per annum|
|Purchases interest-free period||Up to 50 days|
|Min credit limit||£250|
|Max credit limit||Subject to status: £10,000|
|Additional cards available||1|
|Incentive||Earn 10 points per £1 spent on card; points can be redeemed for selected gifts or card annual fee waiver.|
Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.
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.
Pros and cons
- Earn points on day-to-day spending
- £10 annual account fee
- Applicants with low credit scores are unlikely to be eligible
- Each additional card incurs a fee (£5)
- Only available to existing customers
How does this card compare with other similar cards on the market?
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.