• Credit Card BYTES FROM OUR KITCHEN

    BOC Credit Card Singapore

    150-voucher

    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 to open its branch in Singapore back in 1936. In Singapore, apart from Personal and Corporate Banking, they also offer credit cards.

    The credit cards from BOC might be their best-selling product in Singapore simply because of the simplicity, convenience and benefits they provide. BOC credit cards come with high level of global acceptance, making for an apt travel partner as well. These cards are very affordable and they even offer a credit card which has no annual fee whatsoever. The main purpose of these cards are for daily use and as such the different type of credit cards one can find are grocery cards, dining cards and Best BOC Credit Cards for Rewards in Singapore. This doesn’t mean they can’t be used for other expenses, BOC even offers a dual currency card that allows cardholders’ to be billed or pay in currency of their choice.

    BOC credit cards pride themselves in giving straightforward and practical benefits at affordable rates and as such are devoid of fancy bells and whistles. The BOC Chinese Scholars & Students Association Platinum Elite Card is the only card that offers joining promotions of vouchers worth S$1000.

    Bank of China is one of the popular banks in Singapore. The bank offers several credit cards for specific purposes. Get exclusive promotions, rewards, and perks by going for any of the numerous BOC credit cards. Make use of this card for all kinds of purchases to enjoy benefits in Singapore as well as in foreign countries.

    Features and Benefits

    • BOC credit cards offer cash rebates at petrol pumps, department stores, online stores, for newspaper subscriptions, and more.
    • For most BOC credit cards, you don’t have to pay two years’ annual fee.
    • With BOC credit cards you get the flexibility to pay your bills in SGD as well as RMB.
    • You will get 24-hours Worldwide Concierge Assistance with BOC credit cards in case you need help whether it is for your trip, air tickets, airport transfer and more. This is available on select cards only.
    • Some BOC credit cards offer great privileges when you go for a movie or when you go out to dine.
    • Currency exchange fees are also waived with certain dual currency credit cards.
    • You will also get discounts on remittance fee to go back to China with select BOC credit cards.
    • Some BOC cards also offer complimentary travel insurance.

    Most Popular BOC Credit Cards

    The popular BOC cards with perks are listed below:

    Card Name Annual Fee (p.a.) Rate of Interest (% p.a.) Best suited for Joining Bonus  
      S$190 p.a. for principal card S$95 p.a. for supplementary card 25.88%
    • Petrol
    • Dining
    • Newspaper subscription
    • Online shopping
    • Redeem rewards
    - Read More
    BOC Zaobao Card
    BOC Family Card S$150 p.a. for principal card S$75 p.a. for supplementary card ? 25.88%
    • Dining
    • Online shopping
    • Recurring telecom bills
    - Read More
    BOC Visa Infinite Card S$350 for principal card S$175 for supplementary card 25.88%
    • Travel
    • Overseas shopping
    - Read More
    BOC Sheng Siong Card S$30 for principal card S$15 for supplementary card 25.88%
    • Grocery shopping
    • Transport
    • Overseas shopping
    - -
    BOC Dual Currency Diamond Card S$190 for principal card S$95 for supplementary card 25.88%
    • Travel
    • Overseas spend
    - Read More
    BOC F1RST Card S$300 25.88% Students - Read More
    BOC Shop! Card S$300 p.a. for principal card S$150 p.a. for supplementary card 25.88% Shopping - Read More
    BOC Travel Card S$190 for principal card S$95 for supplementary card 25.88%
    • Travel
    • Overseas spends
    - Read More
    BOC World MasterCard S$190 for principal card S$95 for supplementary card 25.88%
    • Travel
    • Overseas spends
    - Read More
    BOC Great Wall Platinum Card (MasterCard) S$190 for principal card S$95 for supplementary card 25.88%
    • Dining
    • Gadget shopping
    • Overseas spending
    • Golf
    - -
    BOC SCCCI Great Wall Affinity Card Platinum S$190 for principal card S$95 for supplementary card 25.88%
    • Shopping
    • Dining
    • Entertainment
    • Travel
    - Read More
    BOC Chinese Scholars & Students Association Platinum Elite Card S$0 24%
    • Overseas spending
    • Hotel booking
    Welcome vouchers worth S$1,000 Read More

    BOC Travel Card: Best Travel Credit Card

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

    BOC Family Card: Best Dining Credit Card

    • Cash rebate of 7% when you dine locally or overseas.

    BOC F1RST Card: Best Student Credit Card

    • 0.5% cash rebate on all retail spends.

    BOC Shop! Card: Best Shopping Credit Card

    • Up to 1% cash rebate on your monthly spend.
    • Enjoy annual fee waiver on this card for two years.

    Rewards programme offered by BOC

    BOC offers both rewards points (Bonus Points) and cashback or cash rebates. Cashback and cash rebates can be redeemed for cash credits and offset against the bill amount. The BOC Bonus Points, on the other hand, can be redeemed for specific gifts or vouchers. Some of the prominent gifts under the rewards programme of BOC are:

    • Bon Appetit: Under this rewards programme at select restaurants present in Singapore, you will get to earn BOC points that you can redeem later.
    • Retail & Leisure: Under this rewards programme at select retail stores in Singapore, you will get to earn BOC points when you spend a particular amount which you can accumulate over a period of time and redeem later.
    • Hot Picks: Under this rewards programme at certain stores, you will be able to earn BOC points when you spend a specific sum that you can amass over a period to redeem later.

    Bill Payment

    For paying your monthly BOC credit card bills, you can avoid the hassle of writing a cheque by setting a specific date every month for your bill payment or make an immediate payment. If you want you can even view your transactions at a glance online. You can also perform a one-time set up initially to add the billing organisation so that you can make payment through Internet Banking.

    BOC credit card hotline

    For all credit card customer service queries including lost cards, you can call at 1800 338 5335 which is the hotline number in Singapore. If you are overseas, you can call (65) 6338 5335.

    BOC credit card statement

    BOC has decided to issue only e-statements from December 2017 for all its credit cards. All eligible BOC credit cardholders will be automatically enrolled for this. However, you will have to access BOC Personal Online Banking and you must have the Adobe Acrobat Reader software.

    Card Activation and Cancellation

    You will have to call the BOC customer hotline number if you want to activate your cards or cancel them. You can call 1800 338 5335 which is the hotline number in Singapore. If you are overseas, you can call (65) 6338 5335.

    Balance Transfer

    In case you have unsettled balance on your other credit cards, you do not have to pay the 24% per year interest to service the minimum payment each month. Funds from any of your BOC Credit Card will be relocated to your any of your credit card account or bank account once the application is approved. If you sign up for BOC Balance Transfer today you will be able to enjoy 0% interest rate for 3 or 6 months for savings of up to 75%.

    Cash Advance Facility

    With BOC credit cards, you will be able to withdraw cash for emergency use. You can easily acquire cash advance locally and abroad with the following steps:

    • For withdrawing cash locally using your credit card, you can make use of Internet Banking, BOC bank branches and ATMs or you can call the emergency hotline number on 1800 338 5335.
    • If you want to withdraw cash using your BOC credit card overseas, you can use PLUS and Cirrus ATMs. However, you will have to keep in mind your credit card PIN.

    There is a cash advance fee for all BOC credit cards. Currently, it is fixed at 6% of the amount withdrawn or S$20, whichever is higher. In addition, there is also a finance charge associated with all cash withdrawals. An interest of 28% p.a. will be computed daily and charged on the sum withdrawn from the date of withdrawal until full payment is received.

    Eligibility Criteria

    Card Name Minimum Income for residents Minimum income for foreigners Minimum Age
    BOC Zaobao Card S$30,000 S$60,000 21
    BOC Family Card S$30,000 S$60,000 21
    BOC Visa Infinite Card S$120,000 S$120,000 21
    BOC Sheng Siong Card S$30,000 S$60,000 21
    BOC Dual Currency Diamond Card S$50,000 S$50,000 21
    BOC FIRST Card For students no minimum income required. S$18,000 for adults above 21 years Only students 18
    BOC Shop Card S$30,000 S$60,000 21
    BOC Travel Card S$30,000 S$60,000 21
    BOC World MasterCard S$80,000 S$80,000 21
    BOC Great Wall Platinum Card (MasterCard) S$30,000 S$60,000 21
    BOC SCCCI Great Wall Affinity Card Platinum S$30,000 S$60,000 21 and above, and must be an existing member of SCCCI
    BOC Chinese Scholars & Students Association Platinum Elite Card Fixed Deposit of S$10,000 Fixed Deposit of S$10,000 All applicants must be members of Chinese Scholars & Students Association

    Documents Required

    To apply for BOC credit card, 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

    Foreigners

    • A valid employment pass with at least 9 months validity and passport

    Instalment Payment Plans

    BOC offers all its cardholders a 0% interest Instalment Payment Plan. According to this plan, all BOC cardholders will be able to convert their big-ticket credit card purchase into instalments for a period of 6, 12, 24 and 36 months. There are more than 322 Instalment Payment Plan outlets spread across the island.

    Annual Fee

    Card Name Annual Fee Annual fee waiver
    BOC Visa Infinite S$350 Waived for 1 year
    sheng siong credit card S$30 Waived for 1 year
    BOC Zaobao Card S$190 Waived for 2 years
    BOC Family Card S$150 Waived for 1 year
    BOC Dual Currency Diamond Card S$190 Waived for 2 years
    BOC FIRST Card S$300 Waived for 2 years
    BOC Shop Card S$300 Waived for 2 years
    BOC Travel Card S$190 Waived for 2 years
    BOC World MasterCard S$190 Waived for 2 years
    BOC Great Wall Platinum Card (Visa/MasterCard) S$190 Waived for 2 years
    BOC SCCCI Great Wall Affinity Card Platinum S$0 Lifetime fee waiver
    BOC Chinese Scholars & Students Association Platinum Elite Card S$0 Lifetime fee waiver

    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 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).

    Complimentary Privileges

    BOC offers freebies such as travel insurance, airport lounge access, and green fees waiver at golf courses, in addition to promotional offers and discounts for travel, dining, and shopping.

    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 new security feature introduced in credit cards is known as Transaction Signing. This feature offers additional security by offering transaction-specific information to perform transactions that come under the high-risk category such as performing high-value transactions or adding payees.

    Temporary credit limit increase

    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.

    News about Bank of China Credit Cards

    • G7 Get Shot in the Arm with Funding of US$70 Million from GLP and Bank of China

      GLP and Bank of China have invested US$70 million in G7, a fast growing Chinese IoT and data mining company transforming the local fleet management industry. G7 has also got into a partnership with BOC Beijing to jointly develop financial products.

      20th December 2017

    • Smart Transfer announces launch of all new money transfer application

      Smart Transfer recently announced the launch of its cross-country mobile payment service application that allows users to transfer funds to each other in different currencies at no transaction cost. The app allows users to make international transactions with a few clicks to bank accounts across countries. The app also uses email IDs, phone numbers and social media to carry out international transactions.

      A rather impressive feature of the app is that it also allows users to make contactless payments through the QR payment method. Users can seamlessly transfer money to retail and other merchants through the contactless payment system.

      International bank transactions typically take about 3 to 5 working days for transferred funds to reflect in the destination account. With Smart Transfer, however, transactions are processed immediately and funds are received within a few seconds – a huge advancement from the conventional form of payments, especially international transactions. The app is integrated with the software architecture of banks and payments are carried out instantly through cross-matching engine employed by the software.

      The highly effective model also has an embedded chatbot that seamlessly enables users to raise queries and concerns, increasing transparency and efficiency. The chatbot feature uses Artificial Intelligence Powered language processing to make conversations seamless beyond measure.

      22nd September 2017

    • Bank of China Launches New Grocery Credit Card With Sheng Siong

      Bank of China (BOC) has launched a new credit card in partnership with premier department store Sheng Siong. The contactless credit card, known as BOC Sheng Siong Credit Card, will give customers cash rebate of up to 12% at the stores.

      Sheng Siong customers can enjoy the highest cash rebate among credit cards in their stores, allowing them to save 12% on groceries if they spend at least S$400 on non-Sheng Siong spends as well. The maximum cash rebate that can be earned at Sheng Siong per month is S$70.

      You also get 5% cash rebate on taxi rides (Uber and Grab) without any cap on cashback or a minimum spend requirement. Overseas transactions are eligible for 1% blanket cash rebate, while all other retail spends will earn 0.3% cash rebate.

      BOC is the only Chinese bank in Singapore that has credit cards on all 3 major payment networks – Visa, MasterCard and UnionPay.

      31st July 2017

    • BOC Changes Credit Card Annual Fees

      Bank of China Singapore has amended its credit card and MoneyPlus annual fees. BOC credit cards – except BOC Visa Infinite and BOC Corporate Credit Card – will now have an annual fee of S$190 for the primary card and S$95 for the supplementary cards. The annual membership fee for MoneyPlus has been changed to S$100.These numbers are excluding GST, which means that 7% of the fee amount will be added when the total charges are levied.

      You can contact the bank’s 24x7 customer service hotline for more clarity on the charges.

      30th June 2017

    • 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.

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