Bank of China Global UnionPay Card

The Bank of China Global UnionPay Card
Category: Credit and Charge Cards  Last Updated September 25, 2024  Effective December 16, 2020

 General Lending Rates

Rates listed below are for a FIXED UNCONSTRAINED UNCONSTRAINED product. Additional Information 21.74% p.a interest on cash advance from transaction date and banlance transfer after transferred period
Interest Rate
21.74% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  UNCONSTRAINED, FIXED, 21.74%
  • Lending Rate Type: Fixed
  • Interest Rate: 21.74%, Comparison Rate 0.00%
  • Repayment Type: Unconstrained
  • Loan Purpose: Unconstrained

 Product Features

  • Additional Cards Additional Information: Up to 4 additional cards
  • Unlimited Txns
  • Loyalty Program Additional Information: Rewards Points
  • Card Access Additional Information: Credit Card
  • Overdraft
  • Balance Transfers
  • Interest Free Additional Information: Up to 50 days interest free period
  • Digital Banking
  • Bill Payment Additional Information: Ulitity Bills,insurance
  • Notifications Additional Information: Purchase transactions SMS notification

 Bank Fees and Charges

  • Fee On Balance Transfer (Transaction), Amount: 0.00. Additional Information: 2.5% of total transferred amount for 3 months
  • Fee On Balance Transfer (Transaction), Amount: 0.00. Additional Information: 5% of total transferred amount for 6 months
  • Fee On Balance Transfer (Transaction), Amount: 0.00. Additional Information: 9% of total transferred amount for 9 months
  • Fee On Balance Transfer (Transaction), Amount: 0.00. Additional Information: 13% of total transferred amount for 12 months
  • Fee For Smart Interest Free Instalment Plans (Transaction), Amount: 0.00. Additional Information: 1.35% of total installed amount for 3 months
  • Fee For Smart Interest Free Instalment Plans (Transaction), Amount: 0.00. Additional Information: 2.6% of total installed amount for 3 months
  • Fee For Smart Interest Free Instalment Plans (Transaction), Amount: 0.00. Additional Information: 4.25% of total installed amount for 3 months
  • Fee For Smart Interest Free Instalment Plans (Transaction), Amount: 0.00. Additional Information: 6.25% of total installed amount for 3 months
  • Fee For Smart Interest Free Instalment Plans (Transaction), Amount: 0.00. Additional Information: 9.95% of total installed amount for 3 months
  • Fee For Smart Interest Free Instalment Plans (Transaction), Amount: 0.00. Additional Information: 14.10% of total installed amount for 3 months
  • Annual Fee (Periodic), Amount: 60.00.
  • Currency Conversion Fee (Purchase), Amount: 0.00. Additional Information: 2.5% of total transaction amount
  • Late Payment Fee (Late Payment), Amount: 15.00.
  • Failed Inter-bank Direct Debit Fee (Payment), Amount: 20.00.
  • Failed Intra-bank Direct Debit Fee (Payment), Amount: 10.00.
  • Cash Advance Fee (Cash Advance), Amount: 0.00. Additional Information: $3 or 1.5% of the total cash advance amount
  • Copy Of Statement Fee (Event), Amount: 5.00.
  • Card Replacement Fee (Event), Amount: 10.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 500