Great Wall International Debit Card
Introduction
Great Wall International Debit Card is your ideal device for Point-Of-Sale (POS) purchase when you travel abroad, withdraw at ATM globally and purchase online; and a choice to pay with your own funds directly from your own bank accounts. It is a great alternative to carrying cash or cheque. You can enjoy the convenience and security of making purchases with your own money simply by linking your bank accounts to Great Wall International Debit Card. Great Wall International Debit Card is a combi card carrying both UnionPay International (UPI) and local Malaysia Debit Card namely, MyDebit of which payment accepted worldwide being largest payment network in Mainland China and Malaysia.
Great Wall International Debit Card supports another card brand, i.e. MasterCard which have similar functions such as Point-Of-Sale (POS) purchase, ATM withdrawal and online purchase. MasterCard payment is also accepted globally and being another choice for local and other countries’ usage.
Card Design
- UnionPay and MyDebit
- MasterCard
Card Features
| Features | UnionPay & MyDebit | MasterCard |
|---|---|---|
| Currency | UnionPay – MYR/CNY MyDebit - MYR |
MYR |
| Feature |
|
Youth Card (Age 12-17 years old) : Only ATM Withdrawal function
|
| Overseas Transaction | Overseas transaction is a transaction that is performed out of Malaysia. Overseas transaction includes Point-Of-Sale (POS) purchase, online purchase and cash withdrawal made at ATMs outside Malaysia. You are required to activate overseas use function prior to perform any retail purchase transaction or cash withdrawal at ATM outside Malaysia. | |
| Card-Not-Present Transaction (Internet Online Purchase) |
Card-Not-Present (CNP) transaction is a card transaction made whereby the cardholder is not physically present at the merchant when the payment is made such as online purchase. You are required to activate Card-Not-Present function to enable non-3D secure transaction be transacted. | |
Overseas Transaction, Card-Not-Present Transaction and Contactless function can be activated or deactivated via branch's counter, contact our Customer Service Centre at 03-2059 5566 or self-service channels like BOCNet and Mobile Banking.
Controlled Your Spending
Stay in control of your finances. We give you the option to decide on your spending limit at Point-Of-Sales (POS), withdrawal limit at ATM, Contactless and cash out limit.
| Transaction Types | Daily Transaction Limit | |
|---|---|---|
| Default Limit | Maximum Limit | |
| Retail Purchase | MYR5,000.00/ CNY10,000.00 |
MYR10,000.00/ CNY20,000.00 |
| ATM Withdrawal | MYR5,000.00/ CNY10,000.00 |
MYR10,000.00/ CNY20,000.00 |
| Contactless (Single Transaction) |
MYR250.00/ CNY500.00 |
MYR250.00/ CNY500.00 |
| Cash Out | MYR500.00/ CNY1,000.00 |
MYR2,000.00/ CNY4,000.00 |
Note : For Youth Debit Card (Great Wall International Debit Card – MasterCard), ATM Cash withdrawal only and up to a maximum accumulative amount of MYR100.00 per day.
Cardholders can change their settings for daily retail purchase, ATM limit, Contactless limit and Cash Out limit anytime via Mobile Banking App/ BOCNet or visit any of Bank of China (Malaysia) Berhad branch or contact our Customer Service Centre at 03-2059 5566
Exclusive Privileges
Cardholders can enjoy attractive and exclusive privileges with diverse merchants including dining, hotel, transportation, sightseeing, shopping and entertainment. For detail information, please find out more in Promotions.
Fees & Charges
| Type of Charges | Charge Amount (MTR) | ||
|---|---|---|---|
| Issuing/ Anual Fee | 8.00 | ||
| Card Replacement Fee - Lost/Damge | Replacement due to faulty chip/ defective card/ enhancement made by the Bank | No Change | |
|
12.00 Note: Replacement fee can be waived if customer provides a copy of police report lodged lost/ stolen card. |
||
| Sales Draft Retrieval (Only chargeable for original copy) | 20.00 | ||
| Balance Enquiry | No Charge | ||
| ATM Withdrawal Fees | |||
| Cash Withdrawal Fees at all Bank of China Malaysia ATM | No Charge | ||
| Cash Withdrawal Fees at other Local Banks ATM Note: Withdrawal fee waived for first two transactions for every calendar month MasterCard UnionPay |
Master card | UnionPay | |
| 4.00 | 8.00 | ||
| Cash Withdrawal Fees at Bank of China ATM in Mainland China | 8.00 | ||
| Withdrawal Fees at Overseas Banks ATM | 12.00 | ||
| Retail Purchase Transaction | MasterCard | UnionPay | |
| Within Malaysia (Transaction currency and settlement currency are same) |
No Charge | No Charge | |
| Mainland China | If customer holds CNY current account, transaction currency and settlement currency are same as CNY. | Not Applicable |
No Charge |
| If customer holds MYR account, transaction currency and settlement currency are different (CNY converts to MYR), transaction converted based on MasterCard/ UnionPay conversion rate plus conversion mark up. | Conversion mark up of 2% | Conversion mark up of 1% | |
| Other Countries/ Hong Kong, China/ Taiwan, China/ Macau, China (Transaction currency and settlement currency are different, transaction converted based on MasterCard/ UnionPay conversion rate plus conversion mark up) | Conversion mark up of 2% | Conversion mark up of 1% | |
Eligibility
- Bank of China (Malaysia) current or savings account holder aged 18 and above.
- Teenagers aged between 12 to 17 years old may apply for Youth Debit Card bearing MasterCard brand.
- Joint account is allowed subject to signing condition “Either One To Sign”.
- Document required is Identity Card (Resident) or Passport (Foreigner); supporting document such as valid working permit or student pass with at least 3 months validity is required for foreigner.
