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Key Facts about These Credit Cards

Correct as at: 29 December 2018
Bank of China (Australia) Ltd Australian credit licence number: 287322

2018-12-29

This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009

Description of credit card

Product name Gold credit card Low fee credit card Low rate Credit Card Student credit card UnionPay Rewards Card
Minimum credit limit $5,000 $500 $500 $500 $500
Minimum repayments 4% of your purchase transaction amount or $20 whichever is greater
Interest on purchases 19.99% p.a. 19.99% p.a. 13.49% p.a. 19.99% p.a. 19.99% p.a.
Interest-free period Up to 50 days Up to 50 days Up to 50 days Up to 50 days Up to 50 days
Interest on cash advances 21.74% p.a. 21.74% p.a. 21.74% p.a. 21.74% p.a. 21.74% p.a.
Balance transfer interest rate 21.74% p.a. 21.74% p.a. 21.74% p.a. 21.74% p.a. 21.74% p.a.
Annual fee $100 $20 $40 $20 $60
Late payment fee $15 $15 $15 $15 $15

There may be circumstances in which you have to pay other fees. You can only be charged a fee for exceeding your credit limit if you separately agree to being charged that fee. A full list of current fees applicable to this credit card can be obtained from www.bankofchina.com/au.

For more information on choosing and using credit cards visit the ASIC consumer website at www.moneysmart.gov.au.

The terms on which this credit card is offered can change over time. You can check if any changes have been made by visiting www.bankofchina.com/au or by contacting us on 1800 026 228.