{ "brand": "Bank of China", "brand_label": "Bank of China", "brand_slug": "bank-of-china", "legal_entity_abn": "28110077622", "public_base_uri": "https://api-gateway.bankofchina.com.au", "logo_uri": "https://boc-resources.s3.ap-southeast-2.amazonaws.com/images/BOC+logo.JPG", "status": "ok", "stale": false, "bank_last_updated": "2024-09-24T18:00:00Z", "at_a_glance": { "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.", "rates": [ {"segment":"personal","kind":"low_rate","rank":34,"of":52,"product_label":"Great Wall International MasterCard Credit Card (Low Rate Card)","card_type":"credit","purchase_rate_pct":13.49,"annual_fee":40.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":50,"min_credit_limit":500.0,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Rewards Points","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"rewards","rank":4,"of":24,"product_label":"Great Wall International MasterCard Credit Card (Low Rate Card)","card_type":"credit","purchase_rate_pct":13.49,"annual_fee":40.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":50,"min_credit_limit":500.0,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Rewards Points","conditions":"k1","restrictions":[],"record_stale":false} ], "condition_sets": { "k1": [ "corrected from the bank's own page: 13.49% on purchases for the Low Interest Card, per the bank's Credit Card Rates and Fees (effective 2 July 2026); the feed gives 19.99%, the standard cards' rate", "up to 55 interest-free days on purchases (feed says 50)", "rewards points expire two years after they are earned" ] }, "unranked": { "products": 0 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category", "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "UAURUAU1", "product_name": "Bank of China Global UnionPay Card", "product_label": "Global UnionPay Card", "product_slug": "global-unionpay-card", "page": "/au/finance/credit-cards/cards/bank-of-china/global-unionpay-card/", "product_url": "https://www.bankofchina.com/au/en/pbservice/pb4/202102/t20210211_19987339.html", "terms_url": "https://www.bankofchina.com/au/en/bocinfo/bi3/201502/t20150217_10963588.html", "fees_url": "https://pic.bankofchina.com/bocappd/australia/202607/P020260703659890181971.pdf", "eligibility_url": null, "card_type": "credit", "scheme": "unionpay", "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "The Bank of China Global UnionPay Card", "purchase_rate_pct": 19.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "19.99% p.a interest on purchase after interest free period", "cash_advance_rate_pct": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 50, "annual_fee": 60.0, "fee_period": "annual", "fee_as_stated": 60.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Fee", "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 1.5, "cash_advance_fee": 0.0, "late_payment_fee": 15.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": "Rewards Points", "rewards_programs": [ "Rewards Points" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [], "instalment_plan": false, "additional_cards": 4, "additional_cards_offered": true, "min_credit_limit": 500.0, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2024-09-25; check its page, as the rate or fee may have changed", "$20 a year for each additional card", "rewards points expire two years after they are earned" ], "eligibility": [], "ranked": true, "unranked_reason": null, "rankings": [], "source_kind": "feed", "record_stale": true, "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/UAURUAU1", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-china/UAURUAU1.json", "snapshot_at": "2026-10-24T09:57:44Z", "bank_last_updated": "2024-09-25T04:00:00.000+10:00", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges" }, "from_issuer_page": null }, { "product_id": "MAUGMAU1", "product_name": "Bank of China Great Wall International MasterCard Credit Card (Gold Card)", "product_label": "Great Wall International MasterCard Credit Card (Gold Card)", "product_slug": "great-wall-international-mastercard-credit-card-gold-card", "page": "/au/finance/credit-cards/cards/bank-of-china/great-wall-international-mastercard-credit-card-gold-card/", "product_url": "https://www.bankofchina.com/au/en/pbservice/pb4/201801/t20180125_11256138.html", "terms_url": "https://www.bankofchina.com/au/en/bocinfo/bi3/201502/t20150217_10963588.html", "fees_url": "https://pic.bankofchina.com/bocappd/australia/202607/P020260703659890181971.pdf", "eligibility_url": null, "card_type": "credit", "scheme": "mastercard", "tier": "gold", "segments": [ "personal" ], "segment": "personal", "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…", "purchase_rate_pct": 19.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "19.99% p.a interest on purchase after interest free period", "cash_advance_rate_pct": 21.74, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 50, "annual_fee": 100.0, "fee_period": "annual", "fee_as_stated": 100.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Fee", "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 1.5, "cash_advance_fee": 0.0, "late_payment_fee": 15.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": "Rewards Points", "rewards_programs": [ "Rewards Points" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [], "instalment_plan": false, "additional_cards": 4, "additional_cards_offered": true, "min_credit_limit": 4000.0, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2024-09-25; check its page, as the rate or fee may have changed", "$20 a year for each additional card", "up to 55 interest-free days on purchases (feed says 50)", "rewards points expire two years after they are earned" ], "eligibility": [], "ranked": true, "unranked_reason": null, "rankings": [], "source_kind": "feed", "record_stale": true, "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/MAUGMAU1", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-china/MAUGMAU1.json", "snapshot_at": "2026-10-24T09:57:44Z", "bank_last_updated": "2024-09-25T04:00:00.000+10:00", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges" }, "from_issuer_page": null }, { "product_id": "MALAMAU4", "product_name": "Bank of China Great Wall International MasterCard Credit Card (Low Fee Card)", "product_label": "Great Wall International MasterCard Credit Card (Low Fee Card)", "product_slug": "great-wall-international-mastercard-credit-card-low-fee-card", "page": "/au/finance/credit-cards/cards/bank-of-china/great-wall-international-mastercard-credit-card-low-fee-card/", "product_url": "https://www.bankofchina.com/au/en/pbservice/pb4/201801/t20180125_11256138.html", "terms_url": "https://www.bankofchina.com/au/en/bocinfo/bi3/201502/t20150217_10963588.html", "fees_url": "https://pic.bankofchina.com/bocappd/australia/202607/P020260703659890181971.pdf", "eligibility_url": null, "card_type": "credit", "scheme": "mastercard", "tier": null, "segments": [ "personal" ], "segment": "personal", "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…", "purchase_rate_pct": 19.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "19.99% p.a interest on purchase after interest free period", "cash_advance_rate_pct": 21.74, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 50, "annual_fee": 20.0, "fee_period": "annual", "fee_as_stated": 20.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Fee", "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 1.5, "cash_advance_fee": 0.0, "late_payment_fee": 15.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [], "instalment_plan": false, "additional_cards": 4, "additional_cards_offered": true, "min_credit_limit": 500.0, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2024-09-25; check its page, as the rate or fee may have changed", "up to 55 interest-free days on purchases (feed says 50)" ], "eligibility": [], "ranked": true, "unranked_reason": null, "rankings": [], "source_kind": "feed", "record_stale": true, "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/MALAMAU4", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-china/MALAMAU4.json", "snapshot_at": "2026-10-24T09:57:44Z", "bank_last_updated": "2024-09-25T04:00:00.000+10:00", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges" }, "from_issuer_page": null }, { "product_id": "MAULMAU2", "product_name": "Bank of China Great Wall International MasterCard Credit Card (Low rate Card)", "product_label": "Great Wall International MasterCard Credit Card (Low Rate Card)", "product_slug": "great-wall-international-mastercard-credit-card-low-rate-card", "page": "/au/finance/credit-cards/cards/bank-of-china/great-wall-international-mastercard-credit-card-low-rate-card/", "product_url": "https://www.bankofchina.com/au/en/pbservice/pb4/201801/t20180125_11256138.html", "terms_url": "https://www.bankofchina.com/au/en/bocinfo/bi3/201502/t20150217_10963588.html", "fees_url": "https://pic.bankofchina.com/bocappd/australia/202607/P020260703659890181971.pdf", "eligibility_url": null, "card_type": "credit", "scheme": "mastercard", "tier": null, "segments": [ "personal" ], "segment": "personal", "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…", "purchase_rate_pct": 13.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "19.99% p.a interest on purchase after interest free period", "cash_advance_rate_pct": 21.74, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 50, "annual_fee": 40.0, "fee_period": "annual", "fee_as_stated": 40.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Fee", "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 1.5, "cash_advance_fee": 0.0, "late_payment_fee": 15.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": "Rewards Points", "rewards_programs": [ "Rewards Points" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [], "instalment_plan": false, "additional_cards": 4, "additional_cards_offered": true, "min_credit_limit": 500.0, "max_credit_limit": null, "min_income": null, "min_age": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: 13.49% on purchases for the Low Interest Card, per the bank's Credit Card Rates and Fees (effective 2 July 2026); the feed gives 19.99%, the standard cards' rate", "up to 55 interest-free days on purchases (feed says 50)", "rewards points expire two years after they are earned" ], "eligibility": [], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 34, "of": 52, "hidden_by_default": null }, { "segment": "personal", "kind": "rewards", "rank": 4, "of": 24, "hidden_by_default": null } ], "source_kind": "feed", "record_stale": false, "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/MAULMAU2", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-china/MAULMAU2.json", "snapshot_at": "2026-10-24T09:57:44Z", "bank_last_updated": "2024-09-25T04:00:00.000+10:00", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges" }, "correction": { "checked": "2026-11-01", "note": "13.49% on purchases for the Low Interest Card, per the bank's Credit Card Rates and Fees (effective 2 July 2026); the feed gives 19.99%, the standard cards' rate", "fields": [ "purchase_rate_pct" ], "quotes": { "rate": { "text": "Interest on Purchases 19.99% p.a 13.49% p.a", "url": "https://pic.bankofchina.com/bocappd/australia/202607/P020260703659890181971.pdf", "citation": { "quote": "Interest on Purchases 19.99% p.a 13.49% p.a", "url": "https://pic.bankofchina.com/bocappd/australia/202607/P020260703659890181971.pdf#page=1", "page": 1, "document_sha256": "7d3e7feffdbf05f81c8663c1fe90595e3c93d1beb0ffabb99a115f8a648f5718", "confirmed": "2026-11-12" } } }, "verified": { "rate": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "purchase_rate_pct" ], "confirmed": "2026-11-12", "url": "https://pic.bankofchina.com/bocappd/australia/202607/P020260703659890181971.pdf#page=1", "quote": "Interest on Purchases 19.99% p.a 13.49% p.a" } ] }, { "product_id": "MAUSMAU3", "product_name": "Bank of China Great Wall International MasterCard Credit Card (Student Card)", "product_label": "Great Wall International MasterCard Credit Card (Student Card)", "product_slug": "great-wall-international-mastercard-credit-card-student-card", "page": "/au/finance/credit-cards/cards/bank-of-china/great-wall-international-mastercard-credit-card-student-card/", "product_url": "https://www.bankofchina.com/au/en/pbservice/pb4/201801/t20180125_11256138.html", "terms_url": "https://www.bankofchina.com/au/en/bocinfo/bi3/201502/t20150217_10963588.html", "fees_url": "https://pic.bankofchina.com/bocappd/australia/202607/P020260703659890181971.pdf", "eligibility_url": null, "card_type": "credit", "scheme": "mastercard", "tier": null, "segments": [ "personal" ], "segment": "personal", "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. 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