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

  1. UnionPay and MyDebit
  2. MasterCard

Card Features

 

Features UnionPay & MyDebit MasterCard
Currency UnionPay – MYR/CNY
MyDebit - MYR
MYR
Feature
  1. Retail Purchase (Point-Of-Sales (POS) Purchase and Internet Online Purchase)
  2. ATM Withdrawal - Enable local and oversea ATM withdrawal; and support Renminbi (RMB) withdrawal from CNY current account directly in mainland China.
  3. Contactless – To effect transaction by tapping on contactless interface of POS terminal; No PIN is required for any transaction up to MYR250.00/ CNY500.00 in Malaysia or Mainland China respectively. You can still tap the card for transaction above MYR250.00/ CNY500.00 but PIN will be required. Once daily accumulative limit reached, i.e. MYR1, 000.00/ CNY2, 000.00, any purchase transaction shall be made with PIN entering.
  4. Cash Out at selected Merchant – enable to purchase and cash out extra fund at the same time using Debit Card.
  1. Retail Purchase (Point-of-Sales (POS) Purchase and Internet Online Purchase)
  2. ATM Withdrawal – Enable local and oversea ATM withdrawal.
  3. Contactless – To effect transaction by tapping on contactless interface of POS terminal; No PIN is required for any transaction up to MYR250.00/ CNY500.00 in Malaysia or Mainland China respectively. You can still tap the card for transaction above MYR250.00/ CNY500.00 but PIN will be required. Once daily accumulative limit reached, i.e. MYR1, 000.00/ CNY2, 000.00, any purchase transaction shall be made with PIN entering.
  4. Support Pre-Authorisation at Petrol Station Self-Service Pump – Pre-authorization amount at self- service pump set at MYR200 due to actual amount of fuel pumped is unknown upon pre-authorization.

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 Promotion.

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
  • Replacement requested by Cardholder
  • Damage card caused by Cardholder’s negligence
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

  1. Bank of China (Malaysia) current or savings account holder aged 18 and above.
  2. Teenagers aged between 12 to 17 years old may apply for Youth Debit Card bearing MasterCard brand.
  3. Joint account is allowed subject to signing condition “Either One To Sign”.
  4. 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.