---
title: "Bank of China Global UnionPay Card — Bank of China"
description: "Credit & Charge Cards from Bank of China. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bank-of-china/products/UAURUAU1
source: "CDR Compare"
language: en-AU
last_updated: 2024-09-25T04:00:00.000+10:00
---

# Bank of China Global UnionPay Card — Bank of China

> Credit & Charge Cards from Bank of China. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

The Bank of China Global UnionPay Card

## At a glance

- **Purchase rate:** 19.99%
- **Annual fee:** $60.00

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Purchase (19.99% p.a interest on purchase after interest free period) | 19.99% | — | — |
| Fixed (21.74% p.a interest on cash advance from transaction date and banlance transfer after transferred period) | 21.74% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Fee on Balance Transfer — once-off · 2.5% of total transferred amount for 3 months | Transaction | 2.5% of transaction |
| Fee on Balance Transfer — once-off · 5% of total transferred amount for 6 months | Transaction | 5% of transaction |
| Fee on Balance Transfer — once-off · 9% of total transferred amount for 9 months | Transaction | 9% of transaction |
| Fee on Balance Transfer — once-off · 13% of total transferred amount for 12 months | Transaction | 13% of transaction |
| Fee for Smart Interest Free Instalment Plans — once-off · 1.35% of total installed amount for 3 months | Transaction | 1.35% of transaction |
| Fee for Smart Interest Free Instalment Plans — once-off · 2.6% of total installed amount for 3 months | Transaction | 2.6% of transaction |
| Fee for Smart Interest Free Instalment Plans — once-off · 4.25% of total installed amount for 3 months | Transaction | 4.25% of transaction |
| Fee for Smart Interest Free Instalment Plans — once-off · 6.25% of total installed amount for 3 months | Transaction | 6.25% of transaction |
| Fee for Smart Interest Free Instalment Plans — once-off · 9.95% of total installed amount for 3 months | Transaction | 9.95% of transaction |
| Fee for Smart Interest Free Instalment Plans — once-off · 14.10% of total installed amount for 3 months | Transaction | 14.1% of transaction |
| Annual Fee — pay yearly | Ongoing | $60.00 |
| Currency Conversion Fee — once-off · 2.5% of total transaction amount | Purchase | 2.5% of transaction |
| Late payment Fee — once-off | Late payment | $15.00 |
| Failed inter-bank direct debit fee — once-off | Payment | $20.00 |
| Failed intra-bank direct debit fee — once-off | Payment | $10.00 |
| Cash advance Fee — once-off · $3 or 1.5% of the total cash advance amount | Cash advance | $0.00 |
| Copy of statement fee — once-off | Event | $5.00 |
| Card replacement fee — once-off | Event | $10.00 |

## Features

- **Additional cards** — up to 4 (Up to 4 additional cards)
- **Unlimited transactions**
- **Loyalty program** (Rewards Points)
- **Card access** (Credit Card)
- **Overdraft available**
- **Balance transfers**
- **Interest-free period** (Up to 50 days interest free period)
- **Digital banking**
- **Bill payment (BPAY)** (Ulitity Bills,insurance)
- **Notifications** (Purchase transactions SMS notification)

## Constraints

- **Minimum limit** — $500.00

## More information from Bank of China

- [Overview](https://www.bankofchina.com/au/en/pbservice/pb4/202102/t20210211_19987339.html)
- [Terms & conditions](https://www.bankofchina.com/au/en/bocinfo/bi3/201502/t20150217_10963588.html)
- [Fees & pricing](https://www.bankofchina.com/au/en/bocinfo/bi2/201711/t20171115_11912997.html)

## Data provenance

- Published by Bank of China under the Consumer Data Right
- Product ID: `UAURUAU1`
- Last updated by the provider: 24 September 2024
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-of-china/UAURUAU1
- Provider page: https://www.cdrcompare.au/brands/bank-of-china
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000270

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-of-china/products/UAURUAU1) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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