Bank of China series credit cards are generally standard credit cards, and Great Wall series credit cards have some quasi-credit cards, which have both credit card and debit card functions. China Bank series credit cards also have multi-currency international cards, but there may be differences between China Bank series and Great Wall series in terms of annual fees, cash advance fees and repayment.

Credit card (debit card), the handling fee for going abroad to withdraw cash is very high; However, foreign merchants can generally spend by credit card, and there is no handling fee for consumption; If you apply for the Great Wall International Card, the pound card will be charged in pounds and the Australian card will be charged in Australian dollars. When you apply for a card, you can contact the debit card of Bank of China, and RMB will automatically purchase foreign exchange for repayment. There is a small foreign exchange purchase fee.

In addition to the BOC series, Bank of China also has a Great Wall Global Link credit card, which is charged in RMB and integrates the functions of debit card and credit card. It is best to use it locally in China, and the charge for using it in different places is higher, which is equivalent to a credit card; Used abroad, it should be equivalent to a credit card, which will save foreign exchange purchase fees compared with ordinary dual-currency credit cards.

It is suggested that when you apply for a credit card, you should go to the counter of the local China Bank's business outlets to inquire about the specific situation, whether there are Australian dollar cards, and the charges of various cards. And choose a more suitable credit card to apply.