The Bank of China UnionPay Rewards Credit Card (UnionPay Rewards Credit Card) is Australia's first UnionPay brand credit card and is jointly launched by Bank of China (Australia) Limited and UnionPay International. 

Features

(1) Global acceptance

The Bank of China UnionPay Rewards Credit Card supports contactless purchases, UnionPay online payment (UPOP) and UnionPay QR code payment. You can use your Credit Card for making purchases and for withdrawing cash worldwide at any POS terminal or ATM displaying a UnionPay logo or any Bank of China retail branch in Australia. The UnionPay Card is the most widely accepted Australian issued card with merchants and ATMs in Mainland China. It is the ideal travel partner for Bank of China customers.

 (2) Card security

The Card provides enhanced security through an EMV standard chip and 24/7 instant APP notification of every Card transaction.

Control your spending at any time by reducing your credit limit. You can also control additional cardholder spending by setting individual limits within your overall Card limit.

 (3) QuickPass contactless transactions

Authorise a transaction with your UnionPay Rewards Credit Card by tapping your Card on a contactless UnionPay POS Terminal. Transactions are subject to your overall Card limit.

 (4) Online purchases 

Authorise online transactions using your UnionPay Rewards Credit Card without presenting your card by either:

• providing your UnionPay Rewards Credit Card details to online merchants accepting UPOP; or
• linking your UnionPay Rewards Credit Card to a PayPal Australia account, WeChat account or Alipay account and paying for online purchases via PayPal, WeChat or Alipay.

(5) QR Code payment 

Use the Mobile Banking App to scan the QR code at merchants accepting UnionPay QR code payment at selected merchants in Australia. 

In Mainland China, you can pay for goods or services through the Mobile Banking App by scanning UnionPay QR Codes and Weixin Pay Merchant QR Codes, or through third-party wallets such as WeChat Pay (also known as Weixin Pay) and Alipay.

 (6) Privileges

In addition to interest-free periods of up to 50 days and multiple rewards point opportunities, you will receive periodic promotional offers, such as interest-free instalment payments, cash rebates, gift cards, or annual fee waiver.

 (7) Rewards Points

Use your UnionPay Rewards Credit Card for purchases to earn rewards points on eligible transactions. Points are uncapped and accumulate continuously, with a two-year expiry from the date they are earned. Call or visit us to redeem rewards points for gift card, cash back or annual fee waiver.

UnionPay regularly launches special promotions such as discounted reward points redemptions, cash back deals and discount shopping coupons. For updated promotion information, please visit UnionPay International's official website at the link below and navigate to the "Offer & Privileges" section:

https://www.unionpayintl.com/cardholderServ/serviceCenter/merchant?country=10020122&offerFlag=1&countryFlag=1&language=en&isOderBy=1&globalCard=y

 (8) Smart Interest Free Instalment Plans

- Purchase Transaction Instalment Plan

If you have made a purchase transaction for a large amount during current statement period and you wish to pay the transaction amount without paying interest on the amount of the purchase in the next statement period, you may call our customer service hotline to apply for a Purchase Transaction Instalment Plan for this authorised but unbilled purchase transaction (subject to our approval)

 - Statement Balance Instalment Plan

If you missed the opportunity to apply for the Purchase Transaction Instalment as the particular purchase transaction has been billed, or if you are unable to pay the full balance amount by its due date and you want to avoid paying interest on the balance amount, you may also call our customer service hotline before your statement due date to apply for a Statement Balance Instalment Plan to delay payment of the full balance amount (subject to our approval).

Customer Service

Bank of China provides a 24-hour telephone customer service, to handle general enquiries and for Card services including card activation, password changes, lost card reporting and dispute report. Our customer service number is 1800 026 228 (Australia) or +61 2 8235 5995 (Overseas). Please note that disputed transactions can only be actioned during Australian branch trading hours.

Importance Notice

Information in this document is correct as at 02/07/2026. While we strive to keep our product information up to date, details may change. 

Credit Card applications are subject to the Bank’s credit assessment and lending criteria. Fees and charges, and Terms and Conditions apply. Consider the Target Market Determination - Bank of China UnionPay Rewards Credit Card, Credit Card Conditions of Use, Credit Card Rewards Terms and Conditions and Credit Card Rates and Fees available in Australian retail branches and at bankofchina.com/au.

Third-party digital wallet services are provided by their respective operators. Separate terms and conditions apply.

Product Issuer and Credit Provider is Bank of China (Australia) Limited. ABN 28 110 077 622. Australian Financial Services Licence and Australian Credit Licence Number 287322.