Best BOC Credit Cards of 2018

    Credit Card Application

    BOC offers a wide range of credit cards to cater to your different needs. With a BOC credit card, you’ll be able to earn reward points or cash rebates on your grocery shopping, fuel bills, online transactions, and other categories. Mostly, BOC cards come with an annual fee waiver for a maximum of 2 years. With a BOC dual-currency credit card, you can make your payment in SGD or RMB currencies. With a BOC credit card, you can pay your transaction worth S$500 or more via easy interest-free instalments of 6 months to 3 years. The 0% Instalment Payment Plan will be applicable at select stores only. A few dual currency credit cards don’t charge you a fee for any foreign currency transaction you make in RMB.

    BOC Family Card for Savings on Everyday Needs

    Key Highlights
    • Cash rebate of 10% when you dine locally or overseas.
    • 5% cash rebate on online purchases.
    • Rebate on dining and online purchases is capped at S$30 each month respectively.

    Grocery shopping, eating out, online purchases, supermarket visits, toys, beauty products, electronics, NETS FlashPay usage, hospital bills, phone and internet bills – have we covered everything you spend for your family in this list? Well, this is a list of spends on which the BOC Family Card gives you cash rebates. If your spouse or child has a supplementary card, they earn 2% cash rebate on all their spends as well. In total, you can earn up to S$1,440 per year in cash rebates, which is way beyond the annual fees and perhaps even a portion of the interest charges (assuming you don’t carry balance over to the next month very often). Until 24 April, the terms of cash rebate on this card were a little different. BOC has changed them now, so there are restrictions and conditions on individual category spends. For full details check out our detailed page on the card. For example, you get rebate of 10% for dining and movies, but in a month, you cannot earn more than S$30 per month under this category.

    Annual Fee Transactions Rates Cash Advance Rates
    S$190 (Waived for 1 year) 28.88% p.a. 28.88% p.a.

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    BOC Zaobao Card - Get 30.7% Cash Rebates on Petrol

    Key Highlights

    Petrolhead alert! Yes, this card is co-branded with Zaobao, which is owned by the newspaper group SPH, but its petrol savings appear top notch. Whether you buy your fuel at Shell or SPC, you can save 23% through the BOC card discount, and if you factor in the fuel brand and loyalty discounts, the total goes up to 30.7%. Say you spend around S$400 on fuel at Shell every month, then you save around S$123 – roughly. Sounds super, doesn’t it? Though the rebate on SPH and Zaobao subscriptions looks great at 10%, it may not amount to much because the combined expense in this category may not be more than S$30 in a year. But then, you’ll have privileged access and special rates on tickets for events held by Lianhe Wanbao, Lianhe Zaobao, UFM100.3, or Shin Min Daily News. Time to get social! Love BreadTalk? There’s a 12% rebate with this card. Dining? 10%. Department stores? 10%. Online purchases? 10%. Buzz stores? 10%. It all sounds great, but considering that this is a UnionPay card, you’ll have to see which online outlets and department stores actually accept the card before you dream of enjoying the rebates. BOC = a host of benefits in China as well. So there’s a 5% rebate on transactions made in China, which could be pretty useful if you visit the Great Wall nation often. But then, you won’t earn the 2 rewards points per S$1-equivalent promised on foreign currency transactions if you pay in Renminbi. Oh yes, this is a dual currency card – both RMB and SGD payments available. There are more perks with this card – head over to our detailed page for full information!

    Annual Fee Transactions Rates Cash Advance Rates
    S$190 (Waived for 2 years) 28.88% p.a. 28.88% p.a.

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    BOC Sheng Siong Card - 12% Cash Rebates on Grocery

    Key Highlights

    Did you know that Sheng Siong has over 44 stores in Singapore and ranks among the top three retail shops on the island? So shouldn’t every Singaporean – well, at least those with families or a house to maintain – have a credit card that offers extra privileges at Sheng Siong? Enter the BOC Sheng Siong Card, with up to 12% cash rebates at the store and a 5% rebate on taxi rides. The card can let you earn back up to S$110 (approximately) every month, which is great, considering that the card’s annual fee is just S$30! But keep in mind that there are a few terms and conditions around earning the cash rebates.

    Annual Fee Transactions Rates Cash Advance Rates
    S$350 (Waived for 1 year) 28.88% p.a. 28.88% p.a.

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    BOC F1RST Card - Best for Students

    Key Highlights
    • 0.5% cash rebate on all retail spends.
    • Cash rebate is capped at S$2.50 per month.
    • Offset purchases posted to your card with the cash rebate earned.

    This is a basic students’ card with a S$500 credit limit – so that, well, you don’t go nuts at a CapitaLand Mall and overspend. The cash rebate is a flat 0.5% on all purchases, but limited to the first S$500 spent every month. So basically you’ll earn back around S$2.50 every month, or S$30 a year. This may not sound great, but hey, a cent saved is a cent earned! Not all banks have a credit card for students, so the BOC F1RST Card does a decent job of filling the gap. You also don’t have to worry about paying annual fees for the first two years.

    Annual Fee Transactions Rates Cash Advance Rates
    S$190 (Waived for 2 years) 28.88% p.a. 28.88% p.a.

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    BOC Dual Currency Diamond Card for RMB & SGD Transaction

    Key Highlights

    This is such a useful card if you plan to make a lot of Renminbi transactions. Because, you don’t need to pay any foreign currency fee or exchange rate fee! As a dual currency card, this is great. Apart from no admin fee on transactions, you can also pay in both SGD and RMB, and you’ll get a 30% discount on remittance fees if you’re sending money to China. Also, UnionPay. That makes payments in China easy-peasy. Now, for rewards, you get 2 points per dollar for out-of-Singapore transactions. But remember, SGD or RMB transactions won’t give you these bonus points. Oh and also, there’s a two-year annual fee waiver. Interestingly, this card also has a round-the-clock concierge service. So, if you have a busy lifestyle, then all your tickets, hotel and restaurant bookings, airport trips, and even overseas help, will be taken care of.

    Annual Fee Transactions Rates Cash Advance Rates
    S$190 (Waived for 2 years) 28.88% p.a. 28.88% p.a.

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    BOC Visa Infinite Card for Frequent Abroad Travellers

    Key Highlights

    Unlike other Visa Infinite cards, this card from BOC is not about gathering and utilising miles. But the travel privileges are quite the same. So what you earn may be just 1% cash rebate on all purchases – no minimum spend, no cap – but you don’t have to pay the 1.5% foreign currency admin fee for any overseas spends. Enjoy 24x7 concierge services, free Plaza Premium Lounge access, free travel insurance cover, and even purchase protection on online shopping. Additionally, get out of queue faster at the doctor’s when you make an online appointment at boc.65doctor.com. Handy card to have if you are not miles-savvy.

    Annual Fee Transactions Rates Cash Advance Rates
    S$350 for the principal card, (First-year annual fee is waived ) 28.88% p.a. 28.88% p.a.

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    BOC Qoo10 Platinum Mastercard for More Shopping at Qoo10

    Key Highlights

    In a market where student or first-time employee cards are not even offered by every bank, BOC has two! We all know about the F1RST card, but this Qoo10 Platinum Mastercard is the bank’s latest addition, and was released on 23 May 2018. This is a unique students’ card, because it has a 10% rebate on public transport – so useful – and a 3% rebate on Qoo10 and other online shopping, taxis, entertainment, dining, and overseas spends. This is probably the highest offered by a student-centric card in Singapore. But before you jump with joy, the rebates are credited in the form of Qmoney and not as Singapore dollars, so the usage may be limited. Moreover, there is a cap on earnings – you can’t get more than 30 Qmoney equivalent to S$30 per month as rebates, and of that, 20 Qmoney is dedicated to earnings through Qoo10 spends. But, you can earn all this only if you spend at least S$200 in a month.

    Annual Fee Transactions Rates Cash Advance Rates
    S$190 (Waived for 1 years) 28.88% p.a. 28.88% p.a.

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    BOC Qoo10 World Mastercard for Rebates on Bus & Train Rides

    Key Highlights

    In this version of the Qoo10 co-branded card, BOC doubles the rewards. 20% rebate on public transport, 10% on Qoo10, and 5% on other selected categories. But this can be earned only if you spend S$600 or more per month. For spends below that and at S$300 or above, you get 3% rebate on Qoo10 and 0.3% on everything else. The Qmoney accumulation is restricted to 80 per month, which goes up to 960 in a year. Apart from this, you also get a lot of dining, travel and entertainment perks from Mastercard.

    Annual Fee Transactions Rates Cash Advance Rates
    S$30 28.88% p.a. 28.88% p.a.

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    BOC Shop! Card for Cash Rebate on All Spend

    Key Highlights
    • 1% cash rebate on monthly spends above S$1,000.
    • 0.5% cash rebate on monthly spends below S$1,000.
    • Annual fee waiver for two years.

    If you don’t want any fancy rewards or privileges on your credit card, then this basic cash rebate card will work out well for you. The rebate is 1% of the month’s transaction amount if your bill is more than S$1,000, and 0.5% if the bill is S$1,000 or less. So essentially, you’ll earn back only around S$5 per month if you spend S$1,000. But before you judge the card, think about this: the monthly earning cap is at S$80, which means that you can earn rebates for spends up to S$8,000 every month. And at this rate, you earn up to S$960 in a year. This takes care of your annual fee as well as any accrued interest rates! If you are the kind of person who regularly pays their bills and does not carry any balance forward, then you could even be paying a part of your card bill through these savings. Not bad, eh? More power to cashback cards!

    Annual Fee Transactions Rates Cash Advance Rates
    S$190 (Waived for 2 years) 28.88% p.a. 28.88% p.a.

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    BOC Chinese Scholars & Students Association Platinum Elite Card

    Key Highlights

    All you Chinese students coming to Singapore for studies or settling down here, this is your perfect first-timer card. This credit card has both a S$500-limit student version (that’s the third student card by this bank!) and a regular card. Of course, you need to be a member of the Chinese Scholars & Students Association to apply. Now, let’s look at the perks. No annual fee. Ever. Welcome gift vouchers totalling up to S$1,000. And the list of benefits is not too shabby either. BOC Bonus Points on all purchases, and twice the points for foreign currency spends. Special discounts at stores in Singapore, China, Macau and Hong Kong. This means using this card in China will also be rewarding. Plus, being a UnionPay card, it will have a better acceptance rate in all of China and nearby territories. Say you want to book hotels in China (or anywhere, really). This card will give you free booking services and a tariff customised for you. Moreover, if you’re travelling outside Singapore, and want to buy a travel insurance policy, you can save 35% on premiums of Travel Safe plan by China Insurance.

    Annual Fee Transactions Rates Cash Advance Rates
    S$190 (perpetual waiver) 28.88% p.a. 28.88% p.a.

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    BOC Great Wall Platinum Mastercard for Special Privileges at 1700 Stores

    Key Highlights

    This is another card for the Chinese population in Singapore. Perks of note – 3 bonus points for foreign currency spends (just 1 point per S$1 in Singapore, though), and special deals at over 1,700 stores in Singapore, China, Macau and Hong Kong. If golfing is your preferred stressbuster, then use this card for Platinum Golf benefits at key golf course across Asia. Some cards aren’t all about rewards and rebates, you know. So what the BOC Great Wall Platinum Mastercard lacks in local rewards, it makes up for with other features. For example, with Flexi Balance, you can convert a particular large purchase bill into 3-month to one-and-half year instalments at no interest charges. You could even transfer funds from your card to another credit card, credit line, or bank account at zero interest, provided you repay the amount in 3 months or 6 months. The best part? If you ever need emergency cash, you don’t have to worry about high-interest cash advance or a fresh application for a personal loan or line of credit. This card comes with a free MoneyPlus line of credit account, with a credit availability of up to twice your monthly income, and an interest rate of 16.88% p.a.

    Annual Fee Transactions Rates Cash Advance Rates
    S$190 (Waived for 2 years) 28.88% p.a. 28.88% p.a.

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    BOC SCCCI Great Wall Affinity Card Platinum for Retail Shopping

    Key Highlights

    A very niche affinity card, this is only for members of the Singapore Chinese Chamber of Commerce and Industry (SCCCI). If you’re a member and travel to China often for business, then this is THE card for you. Similar to the CSSA card, this one lets you earn double BOC Bonus Points on overseas transactions, and special discounts at selected stores in Singapore, Hong Kong, China and Macau. Once again, like all of BOC’s China-centred cards, you have the convenience of the UnionPay network. And you also get a free Great Wall Platinum Mastercard, with which comes a 3-year fee waiver, and access to 0% Flexi Balance, 0% Fund Transfer and a MoneyPlus account.

    Annual Fee Transactions Rates Cash Advance Rates
    None 28.88% p.a. 28.88% p.a.

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    BOC Travel Card for Travel Privilages

    Key Highlights
    • 30% off remittance fee to Mainland China.
    • 24-hour worldwide concierge assistance.
    • Exclusive hotel and travel deals throughout Macau, Hong Kong and Mainland China, with over 17,000 participating merchants.   

    Unlike most travel credit cards in the market, this one does not let you earn any miles. But instead, it promises you a relaxed travel experience. How? Through round-the-clock concierge service, and a range of discounts and deals at over 17,000 partners not only in Singapore, but also in China, Macau and Hong Kong (this too is a UnionPay card, by the way). If you get in touch with your BOC relationship manager, you can also get a list of exclusive hotels, golf courses, restaurants and other overseas merchants where your card will earn you special rates. On top of this, earn 2 points per S$1-equivalent spent overseas.

    Annual Fee Transactions Rates Cash Advance Rates
    S$190 (Waived for 2 years) 28.88% p.a. 28.88% p.a.

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    BOC World Mastercard for Earning Miles

    Key Highlights

    The privileges on this card are quite a few. Whether you need a concierge or want to earn rewards points, this is a good card to have in your wallet. Overseas transactions earn you 3 points per Singapore dollar-equivalent. There are a host of exclusive dining, movie, spa and hotel perks. All the World Mastercard Singapore perks apply too. Plus, enjoy the Flexi Balance and 0% Funds Transfer features as well. You need to be earning S$80,000 or more annually to get the card, though.

    Annual Fee Transactions Rates Cash Advance Rates
    S$190 (Waived for 2 years) 28.88% p.a. 28.88% p.a.

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    Features and Benefits

    • Get annual fee waiver for up to two years on most BOC credit cards.
    • Enjoy the flexibility of paying your bills in SGD or RMB with BOC credit cards.
    • Some dual currency cards do not have any currency exchange fee if you pay in RMB.
    • Most BOC cards are on the UnionPay network, which is immensely useful if you travel to China a lot.
    • Earn more interest on the BOC Multi-Currency Savings Account when you make transactions on certain linked cards.
    • Get cash rebates at petrol pumps, department stores, online stores, for newspaper subscriptions, and more.
    • Split your payments of S$500 or more at selected stores and enjoy a 0% IPP over tenures of 6 months, 1 year, 2 years or 3 years.
    • Cards such as the BOC Dual Currency Diamond Card and the Travel Card will give you 30% reduction on remittance fee from Singapore to China.

    BOC offers both rewards points (BOC Rewards Points/Bonus Points) and cashback or cash rebates. Cashback and cash rebates can be used to offset a part of the monthly bill amount or annual fees. The BOC rewards points, on the other hand, can be redeemed for specific gifts or vouchers. Check out some of the prominent Bank of China rewards programmes in Singapore.

    BOC Cards Eligibility Requirements

    Before applying for a Bank of China card, check the parameters given in this table to see if you qualify:

    Cards Name Minimum Income Residents (p.a.) Minimum Income Foreigners (p.a.) Minimum Age Other Criteria
    BOC Visa Infinite Card S$120,000 S$120,000 21 NA
    BOC Dual Currency Diamond Card S$50,000 S$50,000 21 NA
    BOC World MasterCard S$80,000 S$80,000 21 NA
    BOC SCCCI Great Wall Affinity Card Platinum S$30,000 S$60,000 18 Existing SCCCI Member
    BOC Chinese Scholars & Students Association Platinum Elite Card S$30,000 S$60,000 21 NA
    BOC FIRST Card Above 21yrs: S$18,000 Student: No minimum income Only students 18 NA
    Other Cards S$30,000 S$60,000 21 NA

    Documents Required

    To apply for BOC credit cards, you will need the following documents:

    Singaporean citizens and PRs

    Salaried employee:
    • A front and back copy of your NRIC
    • Latest Income Tax NOA
    • Latest payslips or recent 6 months’ statement of CPF
    Self-employed/commissioned/variable income individual:
    • A front and back copy of your NRIC
    • Recent 12 months’ statement of CPF or Income Tax NOA for the past 2 years


    • A valid employment pass with at least 9 months validity and passport
    • Employment and income proof (payslips, employer’s letter, etc.)
    • Address proof (utility bills)

    Loan on BOC Credit Cards

    BOC offers the MoneyPlus card, using which you can get additional cash at low-interest rates. However, you will be able to apply for it only if your minimum income is S$1,700 per month. Here are some of the benefits that you will get with the MoneyPlus card:

    • There are easy repayment options available with this card throughout the island. Some of these options include Interbank GIRO, iNETS, AXS, Cheque, using FAST from other participating banks, BOC Branches/ ATMs, BOC Personal Online/Mobile Banking and more.
    • You will have the ease of taking out cash anywhere, anytime through ATM machines, customer hotline number, Internet Banking and more.
    • You will be able to withdraw cash up to four times your monthly income at one time.
    • Pay for only what you have made use of with annual interest rates as low as 2.38% (for an annual income is from S$20,000 to S$29,999) or 1.65% (for annual income of S$30,000).

    Security Features

    BOC credit cards have various features which the bank has introduced as part of a broad effort to raise security to avoid any fraudulent activities. The bank has launched a new security instrument that generates a One-Time Password (OTP) when you make a transaction online. Another feature is the Transaction Signing. This feature offers additional security by offering transaction-specific information to perform transactions that come under the high-risk category, such as high-value transactions or adding payees.

    Bank of China Increase Credit Limit

    BOC offers customers the option of raising their credit card credit limit. The bank normally makes an assessment for applicants who have requested a raise on an individual basis. However, the maximum limit is twice your salary per month. This is a collective limit of all your BOC credit cards together with your supplementary cards.

    BOC Card Hotline: Call the respective BOC credit card hotlines, whether you’re in Singapore or abroad, for all your service-related queries and complaints.

    Things to Know About BOC Credit Cards

    How to Redeem Points?

    Through Rewards Catalogue

    Use the Rewards/Bonus Points to exchange for vouchers or gifts in the following categories:

    • Frequent Flyer Programme: Exchange the points for Krisflyer Miles.
    • Bon Appetit: These rewards are for popular restaurants across Singapore.
    • Hot picks: These are featured rewards, which include stores such as Takashimaya, Al-Futtaim Retail Asia, and Metro.
    • Retail and Leisure: This includes vouchers for retail/entertainment outlets such as BEST Denki, Nature’s Farm, Pedro and Golden Village.

    If you want to exchange your Bonus Points for gift items, you can download the redemption form from the bank’s website and fax it or call the customer service hotline.

    How to Redeem Miles?

    Into KrisFlyer Miles

    Convert your BOC Points into KrisFlyer air miles. You will need 30,000 points to exchange of 10,000 air miles. Apart from this, you will have to pay a handling fee of S$25 to the bank for every redemption. Also, the air miles can only be redeemed in blocks of 10,000.

    How to Use the Internet Banking Login?

    If you are a new customer, apply for an internet banking account by visiting the bank branch. You will receive a temporary username, password, and eToken OTP in the PIN mailer, which is used to log in. With this online service, you can know more about your BOC credit cards, perform statement and online enquiries, and pay your card bills. You can even check your credit line, total withdrawal limit and transaction history for the previous 12 months. The global service allows you to view your BOC credit card accounts from anywhere in the world under one consolidated platform.

    You can register for this free service in three simple steps. All you need are user ID and password.

    How to Check Unbilled Transactions?

    Through Internet or Mobile Banking

    Once you have successfully logged in to your internet banking account, you can use this facility to check all your unbilled transactions on each card. You can also use your mobile banking account to track any such transaction.

    How to Check the Reward Points Earned?

    Internet or Mobile Banking/Hotline

    Do any of the following:

    • Log into your internet banking account.
    • Sign in to your mobile banking account.
    • Call the bank’s customer service hotline.

    How to Check the Points and Miles That Are About to Expire on Your Card?

    Mobile/Internet Banking or Hotline

    Follow one of the modes listed below:

    • Log into your internet banking account.
    • Sign into your mobile banking account.
    • Call the bank’s customer service hotline and talk to an executive.

    How to Pay Taxes Using BOC Credit Cards?

    Via MEPS or GIRO

    Pay your taxes using a BOC credit card through GIRO or MEPS. All you need to do is link your credit card to either a savings or a current account, log into internet banking, and transfer funds instantly, up to a maximum of S$50,000 per transaction. But, you must pre-register the receiver under the Payee Management category before making a transfer. You need to fill the purpose code for GIRO or MEPS transactions. You can pay the following taxes:

    • Property Tax (PTXP)
    • Road Tax (RDTX)
    • Foreign Worker Levy (FWLV)
    • GST (GSTX)
    • Net Income Tax (NITX)
    • Tax payment (TAXS)

    Is There a Mobile App?


    You can download the BOC Mobile Banking app from either the Apple Store or Google Play Store. With this app, you can manage your accounts under one platform. Some of the useful features are account and statement enquiry, transfer and remittance, credit card and recurring bill payments, and management of your global accounts, among others.

    Can You Transfer Funds From the Cards to an Account?


    If you have any unsettled amount on your credit card from a different bank, you can save on interest payments by using the BOC Fund Transfer facility. With this facility, you can transfer funds from your credit card to any other bank account at 0% interest rate. You will enjoy an interest-free tenure of 3 or 6 months when you sign up for this service. The minimum sum you can transfer is S$1,000.

    How to Check Status of My Requests?

    To check the status of your requests, you can use:

    • Internet Banking
    • Mobile banking app
    • The bank’s customer service hotline

    How to Make Card Bill Payments Using Cheques?

    The cheque should be crossed and made payable to BOC. Write the credit card account number and the amount you want to pay on the back of the cheque. You can drop it at any of the BOC branches or mail the cheque to the bank.

    How to Convert Bill to Instalment Payment Plans?

    BOC allows you to convert your big ticket transactions into affordable and interest-free instalment plans with the 0% Instalment Payment Plan (IPP). Under this plan, you can repay the outstanding balance in 6, 12, 24, and 36 months if you make a retail purchase of at least S$500 from over 322 participating merchant outlets in the country. However, if you withdraw or prepay the IPP, a redemption charge of S$150 will be charged.

    About Bank of China Bank

    Bank of China or BOC is one of the leading state-owned banks from China which also has branches in Singapore. BOC was among the first banks to open a branch in Singapore back in 1936. In Singapore, apart from Personal and Corporate Banking, they also offer credit cards.

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