{
  "source": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/MAULMAU2",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "MAULMAU2",
    "effectiveFrom": "2015-01-01T00:00:00.000+11:00",
    "effectiveTo": "9999-12-31T00:00:00.000+11:00",
    "lastUpdated": "2024-09-25T04:00:00.000+10:00",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Bank of China Great Wall International MasterCard Credit Card (Low rate Card)",
    "description": "The Bank of China Great Wall International Credit Card (Credit Card) can be used for making purchases and at any ATM in Australia and overseas displaying a MasterCard logo or for cash withdrawals at any Bank of China retail branches in Australia. You will enjoy up to 55 days of Interest-free period on purchases. The Credit Card also provides you with other features such as Smart Interest Free Instalment Plan and maximum Monthly Usage Limit for additional cardholders.",
    "brand": "BCA",
    "brandName": "Bank of China",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bankofchina.com/au/en/pbservice/pb4/201801/t20180125_11256138.html",
      "termsUri": "https://www.bankofchina.com/au/en/bocinfo/bi3/201502/t20150217_10963588.html",
      "feesAndPricingUri": "https://www.bankofchina.com/au/en/bocinfo/bi2/201711/t20171115_11912997.html"
    },
    "cardArt": [
      {
        "title": "Bank of China Great Wall International Credit Card",
        "imageUri": "http://pic.bankofchina.com/branches/australia/201801/W020180125416583778464.jpg",
        "cardScheme": "MASTERCARD",
        "cardType": "CREDIT"
      }
    ],
    "bundles": [],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "4",
        "additionalInfo": "Up to 4 additional cards"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalInfo": "Rewards Points"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": "Credit Card"
      },
      {
        "featureType": "OVERDRAFT"
      },
      {
        "featureType": "BALANCE_TRANSFERS"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "50 days",
        "additionalInfo": "Up to 50 days interest free period"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "Ulitity Bills,insurance"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalInfo": "Purchase transactions SMS notification"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "500"
      }
    ],
    "eligibility": [],
    "fees": [
      {
        "name": "Fee on Balance Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.025"
        },
        "additionalValue": "once-off",
        "additionalInfo": "2.5% of total transferred amount for 3 months"
      },
      {
        "name": "Fee on Balance Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.05"
        },
        "additionalValue": "once-off",
        "additionalInfo": "5% of total transferred amount for 6 months"
      },
      {
        "name": "Fee on Balance Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.09"
        },
        "additionalValue": "once-off",
        "additionalInfo": "9% of total transferred amount for 9 months"
      },
      {
        "name": "Fee on Balance Transfer",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.13"
        },
        "additionalValue": "once-off",
        "additionalInfo": "13% of total transferred amount for 12 months"
      },
      {
        "name": "Fee for Smart Interest Free Instalment Plans",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0135"
        },
        "additionalValue": "once-off",
        "additionalInfo": "1.35% of total installed amount for 3 months"
      },
      {
        "name": "Fee for Smart Interest Free Instalment Plans",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.026"
        },
        "additionalValue": "once-off",
        "additionalInfo": "2.6% of total installed amount for 3 months"
      },
      {
        "name": "Fee for Smart Interest Free Instalment Plans",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0425"
        },
        "additionalValue": "once-off",
        "additionalInfo": "4.25% of total installed amount for 3 months"
      },
      {
        "name": "Fee for Smart Interest Free Instalment Plans",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0625"
        },
        "additionalValue": "once-off",
        "additionalInfo": "6.25% of total installed amount for 3 months"
      },
      {
        "name": "Fee for Smart Interest Free Instalment Plans",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0995"
        },
        "additionalValue": "once-off",
        "additionalInfo": "9.95% of total installed amount for 3 months"
      },
      {
        "name": "Fee for Smart Interest Free Instalment Plans",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.141"
        },
        "additionalValue": "once-off",
        "additionalInfo": "14.10% of total installed amount for 3 months"
      },
      {
        "name": "Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalValue": "pay yearly"
      },
      {
        "name": "Currency Conversion Fee",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.025"
        },
        "additionalValue": "once-off",
        "additionalInfo": "2.5% of total transaction amount"
      },
      {
        "name": "Late payment Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD",
        "additionalValue": "once-off"
      },
      {
        "name": "Failed inter-bank direct debit fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalValue": "once-off"
      },
      {
        "name": "Failed intra-bank direct debit fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalValue": "once-off"
      },
      {
        "name": "Cash advance Fee",
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.015"
        },
        "additionalValue": "once-off",
        "additionalInfo": "$3 or 1.5% of the total cash advance amount"
      },
      {
        "name": "Copy of statement fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalValue": "once-off"
      },
      {
        "name": "Card replacement fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalValue": "once-off"
      }
    ],
    "depositRates": [],
    "lendingRates": [
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1999",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "UNCONSTRAINED",
        "additionalValue": "purchase rate",
        "additionalInfo": "19.99% p.a interest on purchase after interest free period"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.2174",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "UNCONSTRAINED",
        "loanPurpose": "UNCONSTRAINED",
        "additionalValue": "cash advance and balance transfer rate",
        "additionalInfo": "21.74% p.a interest on cash advance from transaction date and banlance transfer after transferred period"
      }
    ]
  }
}