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

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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
Updated April 1st, 2020
Name Product Purchases Annual/monthly fees Rep. APR Incentive Representative example
American Express Rewards Credit Card
22.9%
£0
22.9% (variable)
Earn 5,000 bonus Membership Rewards points when you spend £2,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
British Airways American Express Card
22.9%
£0
22.9% (variable)
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Get a Companion Voucher when you spend £20,000 each year. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
American Express Platinum Cashback Everyday Card
22.9%
£0
22.9% (variable)
5% on £1 to £2000 of yearly spend for introductory period of 3 months. 0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback in the first 3 months (max £100). Must spend £3K annually to earn cashback.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
The American Express Nectar Credit Card
22.9%
Year 1 - £0, Year 2 onwards - £25 per annum
28.2% (variable)
20,000 Nectar points when you spend £2K within 3 months of account opening. Earn 2 Nectar points for virtually every £1 spent at Nectar partners and elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 28.2% APR (variable).
American Express Platinum Cashback Card
22.9%
£25 per annum
28.2% (variable)
5% on £1 to £2500 of yearly spend for introductory period of 3 months. 1% on £1 to £10000 of yearly spend. 1.25% after £10001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback (max £125).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £25 per annum, your representative rate is 28.2% APR (variable).
The Marriott Bonvoy American Express Card
22.9%
£75 per annum
39.7% (variable)
Earn 20,000 points when you spend £3,000 within 3 months of account opening. Earn 6 points for every £1 spent at Marriott properties globally and 2 points for virtually every other £1 spent.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £75 per annum, your representative rate is 39.7% APR (variable).
American Express Preferred Rewards Gold Credit Card
22.9%
Year 1 - £0, Year 2 onwards - £140 per annum
57.6% (variable)
New Cardmember offer: Earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership. Offer ends 29 June 2020. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with an annual fee of £140 (£0 in first year), your representative APR is 57.6% APR (variable).
British Airways American Express Premium Plus
22.9%
£195 per annum
76% (variable)
25,000 Avios when you spend £3K within 3 months of account opening. Earn 3 Avios for virtually every £1 spent directly with BA, and 1.5 Avios for virtually every £1 spent everywhere else. Spend £10K in 12 months to redeem the Avios for a companion ticket on a BA flight. Earn up to 90,000 bonus Avios points per calendar year, 9,000 points per friends/family that uses Referral Programme and successfully apply for an American Express card (Excl. Basic card).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £195 per annum, your representative rate is 76% APR (variable).

Compare up to 4 providers

Updated April 1st, 2020
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
The Co-operative Bank 3 Year Fixed Rate Visa
6.9%
6.9%
£0
6.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 6.9% (variable) p.a., your representative rate is 6.9% APR (variable).
TSB Advance Mastercard
0% for 3 months reverting to 7.95%
0% for 3 months reverting to 7.95%
£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).
MBNA Long Term Low Interest Credit Card
4.9% for 48 months reverting to 8.9%
4.9% for 48 months reverting to 8.9%
£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%
£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%
£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).
Halifax Flexicard Mastercard
9.95%
9.95%
£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).
Ulster Bank Credit Card Mastercard
9.9%
6.9%
£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
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).

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.

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