Looking for the best Credit Cards in China? We have compared 12 Credit Cards from top banks in China to help you find the right one for your needs.
This guide covers fees, rates, benefits, and eligibility requirements. All data is sourced from official bank product listings and updated regularly.
Top 12 Credit Cards in China (2026)
1. BOC Great Wall Classic
Bank: Bank of China
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
BOC entry-level card with Great Wall points program, basic protection, and wide acceptance across China.
2. BOC Mastercard Gold
Bank: Bank of China
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
BOC gold card with travel insurance, shopping protection, and rewards points for domestic and international spending.
3. BOC Visa Infinite
Bank: Bank of China
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Bank of China flagship card with global lounge access, comprehensive travel insurance, and premium lifestyle concierge.
4. CCB Gold Card
Bank: China Construction Bank
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
CCB gold card with shopping protection, basic travel insurance, and rewards points at partner merchants.
5. CCB UnionPay Diamond
Bank: China Construction Bank
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Top-tier UnionPay card with unlimited lounge access, premium concierge, and exclusive lifestyle benefits in Greater China.
6. CCB Visa Platinum
Bank: China Construction Bank
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Purchase Protection, Digital Wallet, Chip/Pin
China Construction Bank premium card with airport lounge access, travel insurance, and Dragon Card rewards program.
7. CMB Gold Card
Bank: China Merchants Bank
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Chip/Pin
CMB gold card with travel insurance, dining discounts, and accelerated rewards at partner merchants across China.
8. CMB Visa Infinite
Bank: China Merchants Bank
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
CMB top-tier card with Priority Pass lounge access, premium concierge, comprehensive travel insurance, and highest rewards.
9. CMB Young Card
Bank: China Merchants Bank
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Dinning Benefits, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Youth-oriented card with cashback on dining and entertainment, no annual fee, and app-based spending management.
10. ICBC Gold Card
Bank: ICBC
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
ICBC gold tier card with travel insurance, shopping protection, and rewards points across ICBC partner merchants.
11. ICBC Mastercard Platinum
Bank: ICBC
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Purchase Protection, Digital Wallet, Hotel Discounts & Offers
Premium Mastercard with airport lounge access, hotel discounts, and enhanced rewards for international spending.
12. ICBC Visa Infinite
Bank: ICBC
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
ICBC premium Visa Infinite card with global airport lounge access, comprehensive travel insurance, and UnionPay cross-border benefits.
How to Choose a Credit Card in China
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Regulation — all products listed are from banks regulated by central bank
Frequently Asked Questions
What is the best Credit Card in China for 2026?
The best option depends on your needs and spending. Compare all 12 options listed above using the View Full Details button. Consider fees, rates, rewards, and eligibility.
What are the eligibility requirements?
Requirements vary by bank and product tier. Generally you need a valid ID, proof of income, and an existing bank relationship. Premium products may require higher minimum salary.
Can I apply online?
Many banks in China now offer online applications. Click View Full Details on any product to check application options.
Are there any hidden fees?
Always read the full terms. Common charges include annual fees, late payment fees, foreign transaction fees, and cash advance fees. All known fees are listed on each product detail page.
What payment methods are popular in China?
Besides cards, popular payment methods include cards and digital payments.
Compare all Credit Cards in China →
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How We Compare Best Credit Cards in China 2026
Our editorial team reviews each credit card based on annual fees, interest rates, rewards programs, eligibility requirements, and user reviews. We update this comparison regularly to reflect the latest offers from banks in China. Data is sourced from official bank websites and verified against regulatory filings where available.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
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