Bank of China (UK) credit cards

If you have a Bank of China (UK) current account, you could benefit from a Great Wall International credit card. Earn reward points as you spend and exchange them for your choice of free gift.

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.

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

Comparison ordered by representative APR with affiliated products shown first.
Updated May 20th, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
17.1%
N/A
£10 per annum
19%
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).
12.7%
N/A
£40 per annum
20.1%
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).

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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 usage. 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

Barclaycard Platinum 28 Month Balance Transfer Visa
Barclaycard Platinum 28 Month Balance Transfer Visa

Balance transfers:

0% for 28 months reverting to 19.9%

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 Transfer Plus Mastercard
M&S Bank Transfer Plus Mastercard

Balance transfers:

0% for 28 months reverting to 19.9%

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).

Barclaycard Platinum No Fee Balance Transfer Visa
Barclaycard Platinum No Fee Balance Transfer Visa

Balance transfers:

0% for 20 months reverting to 19.9%

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).

ASDA Money Cashback Credit Card Mastercard
ASDA Money Cashback Credit Card

Balance transfers:

0% for 12 months reverting to 19.9%

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).

*Disclaimer: The offers compared on this page are chosen from a range of products finder has access to track details from and is not representative of all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The use of terms "Best", "Top", "Cheap" including variations, are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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