Best Credit Cards in China — Compare 12 Cards
Every credit card we can verify as issued in China — 12 cards from 4 banks — with the minimum salary, annual fee, interest rate and salary-transfer rule each bank publishes. Filter them below, or use the guided finder.
Best credit cards in China — our picks
One card per job, chosen by a stated rule, with the number that wins it. No bank holds two slots while another qualifies.
You do not have to move your salary to this bank.
Chosen by: Bank does not require your salary to be transferred to it, then the lowest minimum salary. Picked from 12 qualifying cards.
View on ccb.com Opens China Construction Bank's own page for this card
Airport lounge access.
Chosen by: Publishes airport lounge access, then the lowest annual fee. Picked from 6 qualifying cards.
Card details On Buzdy — no verified issuer link on file yet
At 18% a year this is the cheapest published rate we hold for this market — it only matters if you revolve a balance.
Chosen by: Lowest published monthly interest / profit rate in this market. Picked from 12 qualifying cards.
View on icbc.com.cn Opens ICBC's own page for this card
Pays cashback on everyday spend; the bank does not publish a single headline percentage we can verify.
Chosen by: Highest published headline cashback rate. Picked from 1 qualifying card.
Go to cmbchina.com China Merchants Bank's site — this card is not linked directlyCompare all 12 China credit cards
Figures are as each bank publishes them. 0 of 12 cards state a minimum monthly salary, 0 state an annual fee, 12 state an interest or profit rate and 12 state whether a salary transfer is required. A dash means the bank does not publish that figure — not that it is zero.
Default ranking: cards are ordered by how much of the decision they let you make — how many of the four numbers (minimum salary, annual fee, rate, salary transfer) the bank publishes, then how many benefits are documented, then user rating. It is not a paid placement and it is not alphabetical. Use the sort links in the table header to rank by fee, rate or salary instead.
Showing 12 of 12 cards.
| Card | Bank | Min salary ↓ | Annual fee ↓ | Interest rate (p.a.) ↓ | Salary transfer | |
|---|---|---|---|---|---|---|
| ICBC Visa Infinite Lounge | ICBC | — | — | 18% | Not required | View on icbc.com.cn |
| CCB UnionPay Diamond Lounge | China Construction Bank | — | — | 18% | Not required | View on ccb.com |
| BOC Visa Infinite Lounge | Bank of China | — | — | 18% | Not required | Card details |
| CMB Visa Infinite Lounge | China Merchants Bank | — | — | 18% | Not required | Go to cmbchina.com |
| ICBC Mastercard Platinum Lounge | ICBC | — | — | 18% | Not required | View on icbc.com.cn |
| CCB Visa Platinum Lounge | China Construction Bank | — | — | 18% | Not required | View on ccb.com |
| CMB Young Card Cashback | China Merchants Bank | — | — | 18% | Not required | Go to cmbchina.com |
| CMB Gold Card | China Merchants Bank | — | — | 18% | Not required | Go to cmbchina.com |
| ICBC Gold Card | ICBC | — | — | 18% | Not required | View on icbc.com.cn |
| CCB Gold Card | China Construction Bank | — | — | 18% | Not required | View on ccb.com |
| BOC Mastercard Gold | Bank of China | — | — | 18% | Not required | Card details |
| BOC Great Wall Classic | Bank of China | — | — | 18% | Not required | Card details |
Every figure comes from the issuing bank's own published terms, stored per card. Country attribution uses the product's own market, not the bank's branch footprint, so a multinational's Hong Kong catalogue never appears here. Interest and profit rates are annualised figures as published; a few banks quote a monthly rate instead, so confirm the basis with the issuer before you compare two cards on rate alone. 6 of these 12 cards link straight to the bank's own page for that card; the rest link to the bank's site or to our card record. We do not have an application relationship with most of these issuers and do not pretend to. Verify the current terms with the bank before you apply.
Prefer to be asked?
Four questions — salary, spending, and what matters most — and we shortlist five of the 12 cards above for you.
Where are you located?
We'll show cards available in your country
More about credit cards in China
The 12 cards compared above are every credit card we can attribute to China itself, from 4 issuing banks — a card is counted here only when the product's own market and the issuing bank agree, so a multinational's catalogue from another country is never folded in. Figures are in CNY as published by each bank.
Banks we track in China
Keep going in China
Guides for China
China — frequently asked questions
What is the best cashback credit card in China?
We track 1 cashback cards in China. CMB Young Card from China Merchants Bank publishes: cashback on everyday spend. The right one depends on where you actually spend — the finder above ranks them for your profile.
How does the card finder pick a card?
It scores every card we hold for China against your salary, your biggest spending category and whether you want cashback, miles, no fee or a Shariah-compliant card, then shows the top five with the reasons for each.