• Bank of China Credit Cards

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    Bank of China Credit Cards

    Best BOC Credit Cards in Singapore

    Bank of China credit cards offer an array of exclusive privileges and benefits to cardholders. Each card is crafted to suit individual lifestyles and spending needs. Bank of China credit cards are widely recognized and accepted not only in Singapore but also around the world. With features like the flexi-balance scheme and cash advance facility, customers can enjoy absolute peace of mind while travelling and making purchases abroad. Reward points are offered for every purchase with which you can claim unique offers from partner stores.

    Credit Cards offered by Bank of China

    BOC Dual Currency Diamond Card - The BOC Dual Currency Diamond Card provided by the Bank of China allows you to pay in Renminbi and Singapore Dollar. The bank does not charge you any foreign currency transaction fees when you pay in RMB.

    With this card, you can get 2x points on the amount you spend overseas (transactions in RMB excluded), which can be redeemed to get gadgets, cash rebates and dining vouchers. If you are an owner of this card, you will get 24 hours concierge assistance in any part of the world. You will also avail a discount of 30% on remittance fees when you flash this card at branches of the bank. Apart from this, cardholders can enjoy travelling, dining, golfing and other privileges.

    BOC F1RST Card - The BOC F1RST Card provides a lot of benefits to its owners. With this card, you can avail a 0.5% cash rebate on your purchases and attractive offers such as buy one get one free at Shaw Theatres, Marble Slab Creamery and Ben’s cookies. Apart from this, you do not have to pay the annual fees for the first two years and you can enjoy a lot of privileges on dining, entertainment, beauty, online shopping, etc.

    BOC Shop! Card - With the BOC Shop! Card, you can enjoy a cash rebate of 6% when you purchase anything online and at departmental stores plus a 1% cash rebate on the money you spend. Apart from this, you can avail a lot of discounts and privileges from selected merchants of the bank. For example - Pay a minimum of S$800 and get a discount of S$100 on bookings done on Roomorama.com.

    This supplementary card provides you a 5% cash rebate on grocery items at supermarkets in Singapore, 1% rebate on other spends and up to 50% off from selected family-oriented merchants.

    BOC Travel Card - The BOC Travel Credit Card makes travelling very easy for its owners. With this card, you can get 2x bonus points on the money you spend overseas, which can be redeemed to get gadgets, cash rebates and dining vouchers. This card lets you enjoy a lot of deals on shopping, travel, dining, entertainment and hotel throughout Hong Kong, Macau and Mainland China. Apart from this, you get 24 hours concierge assistance anywhere in the world. Also, if you apply for this Credit card, you do not have to pay the annual fees for the first two years.

    BOC World MasterCard - With a BOC World MasterCard, you can experience premium dining, hotel accommodation and lifestyle privileges around the world. For example - Buy one get one movie ticket free at Shaw theatres or a discount of up to 20% at dining restaurants.

    Apart from this, you get a chance to earn 3x points when you spend money abroad, which can be redeemed to avail rewards from the BOC Rewards Programme. You can also enjoy the bank’s 24 hour concierge assistance anywhere in the world, if you own this card.

    BOC Great Wall Platinum Card (VISA/MasterCard) - With a BOC Great Wall Platinum Card (VISA/MasterCard), you will avail 3x points on the money you spend overseas, which can be redeemed to get rewards such as gadgets, dining vouchers, merchandise, cash rebates, etc. Apart from this, you can enjoy attractive deals on shopping, entertainment, dining, travel and hotel in Singapore, Macau, China and Hong Kong. This card also provides golfing privileges to its owners in the finest golf courses in Asia. If you take this card, you will get a complimentary MoneyPlus which provides an extra credit limit that is two times your salary.

    BOC SCCCI Great Wall Affinity Card Platinum - With the BOC SCCCI Great Wall Affinity Card Platinum, you can avail a lot of benefits on travel and for your business ventures. If you opt for this card, you do not have to pay any annual fees and you will get a complimentary BOC Great Wall Platinum MasterCard along with it. You can enjoy a lot of deals on shopping, dining, hotels, travel, etc., in Mainland China, Macau, Hong Kong and Singapore. In addition, you will earn 2x points on the money you spend overseas, which can be redeemed to get many attractive rewards through the BOC Rewards Programme. This card provides you with a complimentary MoneyPlus service, which gives you an extra credit limit that is twice your monthly salary.

    BOC Chinese Scholars & Students Association Platinum Elite Card - The BOC Chinese Scholars & Students Association Platinum Elite Card promotes the cultural, economic, education and scientific cooperation between Singapore and China. With this card you get a chance to avail 2x bonus points for the money you spend abroad, which can be redeemed to get attractive rewards. When you take this card, the bank gives you vouchers worth S$1000 as welcome gift. Apart from this, you can enjoy privileges in Singapore, Macau, Hong Kong and Mainland China. If you own this card, you also get complimentary hotel reservation services and a discount of 35% on Travel Safe provided by China Insurance.

    Bank of China credits cards are loaded with attractive benefits including the flexibility to pay in multiple currencies, annual fees waivers, extended credit limits and cash rebates. The cards also offer exciting lifestyle, entertainment, retail and dining privileges to all its customers.

    BOC Dual Currency Diamond Card

    The principal applicant should be at least 21 years old and should have a minimum annual income of S$50,000 and above. All supplementary applicants should be atleast 18 years old or above.

    BOC F1RST Card

    Student applicants need to be at least 18 years old and do not have to show any minimum income. Working professionals need to be at least 21 years old and have to show a minimum income of S$18,000. All applicants must be citizens or permanent residents of Singapore.

    BOC Shop! Card

    Principal applicants who are Singaporean citizens, should be at least 21 years old and should show a minimum annual income of S$30,000 and above. Foreigners should show a minimum annual income of S$60,000 and above. All supplementary applicants should be atleast 18 years old.

    BOC Travel Card

    Principal applicants who are Singaporean citizens, should be at least 21 years old and should show a minimum annual income of S$30,000 and above. Foreigners should show a minimum annual income of S$60,000 and above. All supplementary applicants should be atleast 18 years old.

    BOC World MasterCard

    Principal applicants should be at least 21 years and should show a minimum annual income of S$80,000 and above. All supplementary applicants should be atleast 18 years.

    BOC Great Wall Platinum Card (VISA/MasterCard)

    Principal applicants who are Singaporean citizens, should be at least 21 years or above and should show a minimum annual income of S$30,000. Foreigners should show a minimum annual income of S$60,000. All supplementary applicants should be atleast 18 years old.

    BOC SCCCI Great Wall Affinity Card Platinum

    Principal applicants who are Singaporean citizens, should be at least 21 years old and should show a minimum annual income of S$30,000 and above. It is mandatory for principal applicants to be members of SCCCI to qualify for a BOC SCCCI Great Wall Affinity Platinum credit card. Foreigners should show a minimum annual income of S$60,000 and above. All supplementary applicants should be atleast 18 years old.

    BOC Chinese Scholars & Students Association Platinum Elite Card

    It is mandatory for principal applicants to be members of SCCCI to apply for a BOC Chinese Scholars & Students Association Platinum Elite Card. For a regular credit card, principal applicants should be at least 21 years old and should show a minimum annual income of S$80,000 and above. Foreigners should show a minimum annual income of S$60,000 and above. In cases where the minimum income requirement is not met, the applicant needs to have a Fixed Deposit for S$10,000 or above. All supplementary applicants should be atleast 18 years old. For a S$500 Limit Credit Card, applicants should be atleast 18 years and should show a minimum annual income of S$18,000 per annum, excluding students.

    All Applicants -

    1. Fully Filled-in application form
    2. Copies of stipend / enrollment documents / scholarship / education certification

    Salaried Employees -

    1. Latest Income Tax Notice of Assessment
    2. Latest computerized payslip
    3. CPF Statement of Account for the last 6 months
    4. Copy of NRIC (front & back)
    5. Employment Pass
    6. Student ID

    Self-employed Businessmen and Commission or Variable Income Earners -

    1. CPF statement for the last 12 months
    2. Income Tax Notice of Assessment for the last 2 years
    3. Copy of NRIC (front & back)

    Foreigners -

    1. Copy of Employment Pass (with at least 9 months validity)
    2. Student ID
    3. Passport

    Scholarship holders -

    1. Authorized scholarship payment document

    For Supplementary Card Application -

    1. Copy of Supplementary Card Applicant’s NRIC (front and back)
    2. Passport

    Bank of China offers nine different types of credit cards with various benefits and privileges. Customers can choose a card fitting their requirement and enjoy attractive discounts and offers. Each Bank of China credit card caters to a unique type of customer and offers customized privileges. Bank of China credit cards can be availed easily in Singapore with hassle-free documentation and approvals.

    • All Bank of China credit cards come with annual fee waivers for up to two years for all their customers.
    • Customers can also enjoy cash rebates of 0.5% on the total billed amount in their monthly statements.
    • Bank of China customers can also enjoy unlimited travel privileges along with numerous dining, shopping, lifestyle, golf, entertainment and hotel deals across Singapore, Mainland China, Macau and Hong Kong.
    • Card holders can also get a discount of 30% on remittance fees by using their Bank of China credit cards.
    • Credit card holders can convert their purchases into interest free monthly instalments for a period of 6 to 36 months and enjoy maximum payment flexibility.
    • Bank of China offers interest free fund transfers to credit lines, credits cards or bank accounts of customers for a period of 3 to 6 months.
    Fee (cash advance) 6 percent on the amount withdrawn or or RMB/ SGD20 (whichever is higher)
    Interest (Cash Advance)
    • The applied rate is 2.34 percent per month
    • The effective rate is 28 percent per annum (minimum charge of RMB/SGD3)
    • This Interest is calculated on a daily basis from the date of withdrawal until the full payment is made

    The BOC Credit Card Fund transfer facility allows you to transfer funds from your BOC Credit Card or MoneyPlus to any other bank account or credit card account of your choice. This transfer will be done once your application for the same is approved.By choosing this facility you will be able to enjoy 0 percent interest rate for three or six months.

    Tenure 3 mnths 6 mnths
    Rate of Interest 0 percent 0 percent
    Rate for 1 time processing fee 1.8 percent 3 percent
    Effective rate of interest (p.a.) 3.68 percent 6.38 percent
    Minimum payment (Monthly) 3 percent on the monthly outstanding balance plus any previous outstanding amount. Along with this you also have to pay any amount which has exceeded the credit limit or RMD/SGD50 (whichever is higher)
    Over Limit Fee for BOC Chinese Scholars & Students Association Platinum Elite Card If your monthly balance crosses your Credit Limit, then SGD40 will be charged
    Charges for late payment 5 percent per month on the minimum payment amount (minimum - RMB/SGD55 per month)
    Foreign Currency Transactions Fees

    Administrative fees is 1.5 percent of the transaction amount

    MasterCard/ Visa/ UnionPay cross-border fees is an additional 1 percent / 1 percent / 0.6 percent respectively of the transaction amount

    The interest free period is 23 days from the date of the statement if you pay the full bill.

    The annual membership fee is SGD150 for the principal card and SGD75 for the supplementary card.

    Features BOC World MasterCard BOC F1RST Card BOC Dual Currency Diamond Card
    Payment in two currencies No No Yes
    Period free of annual fee 2 years 2 years 2 years
    Minimum annual income required SGD80,000 and above

    Students – None

    Adults - SGD18,000

    SGD50,000 and above

    Bank of China customers can earn up to 3X rewards points for every S$1 spent on all their overseas credit card transactions and can redeem accrued points for dining vouchers, gadgets, and cash rebates from the BOC Rewards Program. Customers can also earn 2X BOC Bonus Points for every S$1 spent in Hong Kong, Singapore, Mainland China and Macau with a Great Wall Card.

    Under the “BOC Treats” program, customers can enjoy various offers and discounts on dining, retail shopping, movie ticket bookings and grocery shopping. Bank of China also offers multiple discounts on travel bookings, spa treatments, tour packages and other cash rebates from various merchants across Singapore.

    Check For Latest Bank Of China Credit Cards Promotions

    Founded in 1912, Bank of China is the oldest bank in Mainland China. The bank has an international presence and operates in over 37 countries. Bank of China, Singapore branch, was established in the year 1936. The bank holds a Qualifying Full Branch (QFB) license and has a wide operational presence across Singapore. In Singapore, Bank of China offers a diverse range of financial and banking solutions to serve the ever growing needs of the upscale consumer market. Bank of China’s core businesses include commercial banking, corporate banking and financial market services. With over 70 years of prominent presence in the Singaporean banking front and the “People First” principle, Bank of China is the most preferred banking institution for Singaporeans. Currently, the bank has a network of five sub-branches and one remittance centre in Singapore.

    1. What is the credit limit extended by Bank of China to its credit card customers?
    2. The credit limit generally extended to customers is 2 times their monthly salary and works as a combined limit for all credit cards held by a single customer.

    3. Can I increase my credit limit on my BOC credit card?
    4. Yes, Bank of China gives customers the option of permanently increasing their credit limits by submitting a written application along with their latest income documents.

    5. How should customers report loss of credit cards?
    6. Customers can call Bank of China’s 24/7 customer care to report any loss of credit card, as soon as the incident occurs.

    7. How should BOC credit card payments be made?
    8. Credit card payments can be made in Singapore Dollars using AXS machines, telephone banking, inter-bank GIRO, through cheques and money orders in Singapore. Cash payments can be made at any BOC branch in Singapore or at the main BOC branch.

    9. Do BOC credit cards offer any cash advance feature?
    10. Yes, BOC customers can get extra cash through the BOC Cash Advance program. Local Cash Advance withdrawals can be done at BOC ATMs and also via the customer care service. Overseas Cash Advance withdrawals can be done at Cirrus and PLUS ATMs.

    11. How do I find out more information about Bank of China credit cards?
    12. To find out more information on Bank of China credit cards, please visit the bank’s Singapore website or any branch. You can also contact them on their customer care number.

    13. What is the fee for late payment of credit card bill?
    14. The bank will charge you five percent on the minimum payment amount every month.

    15. I want to apply for a BOC Dual Currency Diamond Card. Do I have to pay foreign currency transactions fee when I pay in RMB?
    16. No, the bank does not take any foreign currency transactions fee from a BOC Dual Currency Diamond Card cardholder.

    17. What is the credit limit for the BOC F1RST Card?
    18. The BOC F1RST Card has a credit limit of SGD500.

    19. How much interest in charged on cash advance?
    20. The interest charged on cash advance is 28% per annum.

    News about Bank of China Credit Cards

    • BOC to Suspend Credit Card Services Temporarily

      Bank of China has announced that credit card services will not be available to its customers on 19 Feb 2017 between 3 am and 4 am. The disruption will result from their plan to upgrade their systems. Normal services should resume soon afterwards and in case of questions, customers can get in touch with the bank by calling on 1800 338 5335.

      17th February 2017

    • BOC Tax Payment Program Promotion

      Runtime: This is an ongoing promotional offer and it will continue till December 31, 2016.

      Particulars: You can get shopping vouchers worth S$50 when you apply for the Bank of China Tax Payment Program. Only the first 300 card members who qualify can apply for this program. For a one-time payment, the processing fee is 1%. For a tenure of 12 months, the processing fee is 2%. For a tenure of 24 months, the processing fee is 3.5%. You can enjoy great financial flexibility with this particular tax payment program offered by Bank of China.

      There are exclusive offers for Bank of China Family Card holders. The supplementary cardholder can avail 0.2% less for every tenure. One-time processing fee is 0.8%. For a tenure of 12 months, the processing fee is 1.8%. For a tenure of 24 months, the processing fee is 3.3%.

      With a minimum amount of S$2,888 and a tenure of 12 months, you can enjoy Takashimaya Vouchers worth S$20 when you sign up for Bank of China Tax Payment Program. With a minimum amount of S$2,888 and a tenure of 24 months, you can enjoy Takashimaya Vouchers worth S$50 when you sign up for Bank of China Tax Payment Program.

      Terms and Conditions

      There are several terms and conditions of this particular promotional offer. These are as follows:

      • Only the first three hundred card members who qualify for this program with a minimum loan amount of S$2,888 for a tenure of twelve or twenty four months are eligible.

      • If you meet the eligibility criteria, the bank will send the gift to you by mail within a period of 2 months.

      • During the promotional period, each cardmember can only avail 1 voucher.

      Please get in touch with the Oversea Chinese Banking Corporation to know more about the terms and conditions of this particular promotional offer.

    • BOC 0% Interest Plan Promotion

      Runtime: This is an ongoing promotional offer. This will continue till December 31, 2016.

      Particulars: This promotional offer is valid for all the credit card members of Bank of China. There are two plans with which you can avail 0% instalment plan.

      • Purchase Instalment Plan – With this particular instalment plan, you can enjoy immense freedom and flexibility as you can convert all the purchases that you made overseas or locally to interest free instalment schemes. The tenure of these instalment payments can range between 6 months and 24 months. For a retail spend of minimum S$300, the processing fee for a tenure of six months or nine months would be 2%. For a tenure of twelve months, the processing fee would be 3% and for a tenure of twenty four months, the processing fee would be 5%. You can choose to call the bank to apply for the Purchase Instalment Plan or you can also apply on the website of the bank to download the form and then send it to the bank by mail after filling it in properly.

      • Statement Instalment Plan – With the Statement Instalment Plan, you can convert the credit statement of a minimum amount of S$500. The processing fee for a tenure of twelve months is 4.5% and the processing fee for a tenure of 24 months is 8%. You can choose to call the bank to apply for the Purchase Instalment Plan or you can also apply on the website of the bank to download the form and then send it to the bank by mail after filling it in properly.

      Terms and Conditions

      There are several terms and conditions for this promotional offer. They are as follows:

      • Bank of China has all rights to reject a Statement Instalment Plan or Purchase Instalment Plan without giving any reason.

      • The Purchase Instalment Plan and the Statement Instalment Plan is not applicable for Fund Transfer, Cash Advance, etc.

      To know more about the terms and conditions of this particular promotional offer, please get in touch with the bank.

    • BOC Tax Payment Program Promotion

      Runtime: 1 May, 2016 to 31 December, 2016

      Particulars: Get shopping voucher of up to SGD 50 when you apply for BOC Tax Payment Program, if you are one of the first 300 qualified credit cardholders. For one-time payment, the processing fee is 1 percent; for payment of 12 months, the processing fee is 2 percent; and for 24 months, the processing fee is 3.5 percent.

      • When you sign up for the BOC Tax Program now, you will receive gift vouchers as follows:

      • With a minimum amount of SGD 2,888 and 12 months tenure, you will receive Takashimaya Vouchers worth SGD 20.

      • With a minimum amount of SGD 2,888 and 24 months tenure, you will receive Takashimaya Vouchers worth SGD 50.

      Terms and Conditions

      This offer is valid only for the first 300 qualified credit cardholders. The gift items will be sent by postal mail by BOC. Others terms and conditions might be applicable for this promotion.

    • BOC Credit Card and MoneyPlus Promotion

      Runtime: 1 Mar, 2016 to 30 Apr, 2016

      Particulars: Get Gift Vouchers of Resorts World Sentosa worth SGD 50 when you apply for MoneyPlus along with BOC Credit Card. You will need to charge a minimum amount of SGD 50 to your credit card within 1 month of the card being approved.

      Terms and Conditions

      The offer is applicable only on BOC Travel Card (Or BOC Dual Currency Diamond Card0, BOC Shop! Card and BOC Great Wall MasterCard (Or BOC World MasterCard). Please contact the bank to know about all the applicable terms and conditions for this promotion.

    • Promotion for BOC Salary Credit

      Run Time – This is an ongoing promotional offer and this will continue till 30th June, 2016

      Particulars – With the BOC salary credit promotion, you can avail a NETS Flash Pay card that is worth SGD 100. This offer is only valid till the stocks last.

      Terms and Conditions –

      Please, contact the bank to know more about the terms and conditions of this particular promotional offer.

    • BOC 0 percent Instalment Plan

      Run Time – This is an ongoing offer. This will continue till 31st March, 2016

      Particulars – Tier 1 : You can avail cashback of SGD 50 when you charge your BOC card for SGD 1588 or above on twelve months or twenty four months BOC zero percent IPP transaction.

      Tier 2 : You can avail cashback of SGD 100 when you charge your BOC card for SGD 2888 or above on twelve months or twenty four months BOC zero percent IPP transaction.

      Participating merchants are Best Denki, Audio House, Mind Champs, Epi Centre, CITISPA, Ultimate Spa, Vincent Watch, Tian Po Jewelry, Star Furniture, OSIM, Spa Infinity.

      Terms and Conditions –

      Please, get in touch with the bank to know more about the terms and conditions of this promotional offer.

    • Bank of China Promotion Flexi Balance

      Run Time – This offer is active till the 31st of December, 2015.

      Particulars – Apply for Bank of China’s Flexi- Balance Installment plan with zero percent interest and enjoy a processing fee of 0.5 percent only for monthly installment plans of 6,9,12 or 24 months. You have to spend a minimum of SGD500 using your Bank of China Credit Card and choose a tenure that is best for you.

      Terms and Conditions –

        • Only Bank of China’s Cardholders are eligible for this promotion

        • To apply for this promotion, you have to send an SMS to the bank, the details of which you will find on the bank’s website.

        • This offer is available for principal cardmembers only

      Visit Bank of China’s website or contact them to get more information about the offer and its terms and conditions.

    • Bank of China Card Promotion

      Run Time – This offer is available till 31st May, 2016

      Particulars – Spend using your Bank of China cards at Wear of the Day and avail attractive discounts.

      Terms and Conditions –

      •To get the discount, you have to enter the promo codes when you shop at the website using your card

      •To enjoy the offer, you will have to pay using your Bank of China cards

      •The offer does not include any taxes

      To know more about the offer and its terms and conditions, please contact Bank of China or visit their website.

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