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Bank of China JCB Credit Card


 

 

Introduction

Bank of China JCB Credit Card is the first RMB/JPY dual-currency credit card product in China under the international standards. Besides revolving credit, cash advance, zero-risk loss report and other basic financial functions of a credit card, it offers various value-added services and reward points programs. Especially for customers intending to go to Japan, the card, with unique RMB/JPY settlement function, enables them to make payment with JPY where this currency is required and repayment with RMB through direct conversion, thus saving the exchange fees.

Functions

As a dual-currency credit card under the international standards, Bank of China JCB Credit Card offers basic functions and services of a standard Bank of China Credit Card, including payment after consumption, grace period, minimum payment amount and other revolving credit functions as well as cash advance, installment, global merchant discounts, reward points and so on, fully satisfying customers' needs for a joyful credit life.

Features

1. Exclusive RMB/JPY dual-currency settlement

With a Bank of China JCB Credit Card, customers can have full access to domestic and overseas UnionPay and JCB merchants. While abroad, customers can withdraw local legal tender or get cash advance on any ATMs with UnionPay and JCB logos. Domestic transactions are recorded in RMB, while overseas transactions in JPY. If customers travel frequently between China and Japan, an RMB/JPY dual-currency card will help avoid risks of currency exchange in Japan, creating a pleasant shopping experience.

2. Repayment by purchase of foreign exchange over telephone

If a customer needs to pay debts in foreign currency with RMB, he/she just needs to call the 24-hour customer service hotline of Bank of China JCB Credit Card for repayment by foreign exchange purchase.

3. JCB global VIP service

JCB global VIP service network provides customers with comprehensive services such as airport VIP lounge, hotel reservation, medical care and other services to match customers' VIP status.

4. Airport VIP lounge

With a Bank of China JCB Gold Credit Card, customers can enjoy exclusive VIP lounge provided by JCB at main airports of Japan, as well as flight information, guide to destinations, journals, beverages and other exclusive services. (See the "Charge Table" for details)

5. JCB VIP service center

In case of emergency at any place of the world, customers can just call JCB VIP service center to obtain considerate services from JCB International Credit Card Co., Ltd. for more secure travel, including global credit card loss report, hotel reservation, cash advance guide as well as inquiry on local tour and merchant discounts.

6. Global Chinese services

With 39 overseas branches (including Hong Kong) in 20 countries and regions providing credit card services, Bank of China offers customers Chinese services with regard to cash withdrawal, loss report and emergency cash disbursement of Bank of China JCB Credit Card.

Target Customers

Chinese citizens aged 18 or older with full capacity for civil conduct and stable legitimate income, foreigners with Residence Permit in China and compatriots from Hong Kong, Macau and Taiwan, can apply for Bank of China JCB Credit Card at the local branch.

Procedure

The following certificates are required for card application:

1. Identity documents: Bank of China accepts principal card applicants aged between 18 and 65 and supplementary card applicants aged 16 or older.

For domestic residents: a copy of valid ID card or interim ID card (both sides), or military ID card;

For foreign nationals:

① Valid passport;

② Copy of Residence Permit for Foreigners, or copy of Residence Permit for Foreigners attached on the visa page in the passport or copy of Permanent Residence Permit for Foreigners;

For citizens from Hong Kong, Macau or Taiwan: a copy of Mainland Travel Permit for Hong Kong and Macau Residents, Hong Kong and Macau Compatriot Home-visiting Permit or Mainland Travel Permit for Taiwan Residents.

2. Evidence of permanent residence: (Any of the items below)

Copy of Hukou card (book);

The water, electricity and gas payment voucher of the latest three periods;

The fixed-line telephone payment voucher of the latest three periods;

Dormitory evidence issued by the employer;

House Lease Contract (Agreement);

Self-owned property certificate;

Payment voucher of residential property management fee;

Residential certificate issued by the community office;

Credit card statement of the latest two months or the individual income tax payment certificates for the latest three months;

Other supporting documents which can testify to the permanent residential address.

3. Financial status document: (Any of the items below)

Regular payroll or income proof of the latest three months issued by governmental institutions or enterprises (company seal or department seal required);

Copy of passbook/statement for agency salary payment issued by the agent bank (with salary information of the latest three months);

Copy of individual income tax payment certificates of the latest three months;

Copy of withholding certificate for social security payment;

Copy of the self-owned property certificate;

Copy of certificate/passbook of bank time deposit and current deposit;

Copy of the purchase certificates for fund, T-bond and corporate bond (with the buyer's name, account number and account balance);

Copy of membership cards and the like, including: golf membership card, China Mobile/China Unicom VIP card, Air China platinum, gold and silver membership cards, China Southern Sky Pearl gold and silver membership cards, Eastern Miles Club gold and silver membership cards and so on. (with cardholder name and validity of the card).

Customers can submit the application form to the counter of any Bank of China outlet or post it to: P.O. Box 808, Beijing 100037.

Download the Application Form

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