Compare Bank of China (UK) credit cards for June 2023

See if you qualify for a credit card from top providers

• Including Barclaycard and Amex
• Check a range of cards in minutes
• No impact on your credit score
• One fast and simple form

Show my cards

Compare the Bank of China (UK) range of credit cards

Sort by:

Name	Product	Ratings	Customer rating	Finder rating	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
Bank of China (UK) Great Wall International Gold Credit Card Visa		Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	12.7%	N/A	£40 per annum	20.1% APR (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 12.7% (variable) p.a. with a fee of £40 per annum, your representative rate is 20.1% APR (variable).	Read review	Compare	loading Fetching your data...
Bank of China (UK) Great Wall International Classic Credit Card Visa		Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	17.1%	N/A	£10 per annum	20.4% APR (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).	Read review	Compare	loading Fetching your data...

loading

CompareClear

What is Bank of China?

In 1929, Bank of China’s first overseas branch was opened in London. In 2007, the Financial Services Authority gave it the go-ahead to establish a formal UK subsidiary, now known as Bank of China (UK). The bank now also has branches in Glasgow, Manchester and Birmingham.

Its cards are part of the Visa network, so they are accepted at over 20 million locations worldwide.

What benefits can I get with a Bank of China (UK) credit card?

• Rewards program. Earn points for every eligible £1 you spend. Points can be exchanged for a choice of gifts by calling the Bank of China (UK). Gifts range from stamps and towels to a humidifier or stainless steel flask, according to how many points you have. It is worth saving up your points because for a larger amount, you can choose to have the annual fee on your card waived.
• Global acceptance. The Bank of China (UK) credit cards are part of the Visa network, meaning they are accepted at more than 35 million locations worldwide.
• Enhanced security. Have peace of mind when shopping online with Verified by Visa.
• Online account management. See your balance and make a payment at any time, and from anywhere.
• Fraud monitoring. Bank of China (UK) will contact you if your card transactions appear to be abnormal, for example if there is a large one-off payment, unusual overseas transactions or payments to retailers not normally used by you.
• Flexible credit limit. Once you have had your credit card for at least six months, Bank of China (UK) will consider increasing your credit limit.

Applying for a Bank of China (UK) credit card

You will need to download, complete and sign a “Great Wall International Credit Card application form” from the Bank of China (UK) website. You can also request a paper form from any Bank of China (UK) branch.

1. You will need some valid ID, current bank statements for the last three months and proof of employment. You may be asked to provide additional documents depending on your financial circumstances.
2. Once you have completed the form, you can return it to the branch and your application will be processed.
3. If you are approved, you will be notified of your credit limit and your new credit card will be sent to you in the post. You can activate your card over the phone using an automated system.

Eligibility requirements

To be eligible for a Bank of China (UK) credit card, you must:

• Be aged 18 or over for the main card.
• Be aged 16 or over for an additional card.
• Hold an existing bank account with Bank of China (UK) with no previous unsatisfactory account history, default payments or bad debt.

Why might you not be approved?

On the whole, if you meet the eligibility requirements but have a history of bad debt or no credit history at all, you may be rejected. Equally if you are in an IVA or have had a CCJ you may not be accepted. If you have ever declared bankruptcy you are also unlikely to receive a card.

Frequently asked questions

• How does the rewards programme work?

  When you spend on your credit card, you will earn reward points. You can then exchange your points for your choice of a free gift. For personal customers, gifts include a stamps set, towels, coffee cup, stainless steel flask, mouse mat or mini humidifier. If you are a business customer, gifts include a digital clock with note board, tea set or flash. If you aren’t tempted by these, you can keep collecting your points because for a larger amount you can have the annual fee on your card waived.

• Can I use my credit card to withdraw cash abroad?

  Yes, you can withdraw cash at any ATM in the world that displays the Visa sign. If you withdraw cash outside of the UK, you will be charged a cash advance fee and currency conversion fee.

• How do I make payments?

  Payments are usually made by direct debit and you can choose to pay off a minimum amount or the full balance on an agreed date each month. You can also make further payments at any time through your online banking account.

• What happens if I am late making a payment?

  If you do not make a minimum payment towards the balance on your card by the due date, there will be no further interest free period. This means you will pay interest on every transaction from the day it is made. You will also be charged a late payment fee. Always ensure that you can comfortably afford to make repayments before you take out a credit card. Late or missed payments can cause you to fall further into debt and will also harm your credit rating.