Compare BOC Credit Cards

    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.

    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.

    Most Popular BOC Credit Cards and What They Offer

    The popular BOC cards with interest rates, annual fees and more are listed below:

    Card Name Annual Fee Transactions Rates(p.a.) Cash Advance Rates Best Used forExplore Card Detials

    BOC Zaobao Card

    S$190 (Waived for 2 years) 28.88% p.a. 28.88% p.a.
    • Petrol
    • Dining
    • Shopping

    BOC Family Card

    S$190 (Waived for 1 year) 28.88% p.a. 28.88% p.a.
    • Dining
    • Shopping
    • Telecom bills

    BOC Visa Infinite Card

    S$350 (Waived for 1 year) 28.88% p.a. 28.88% p.a.
    • Travel
    • Overseas shopping

    BOC Sheng Siong Card

    S$30 (Waived for 1 year) 28.88% p.a. 28.88% p.a.
    • Groceries
    • Transport

    BOC Dual Currency Diamond Card

    S$190 (Waived for 2 years) 28.88% p.a. 28.88% p.a.
    • Travel
    • Overseas spending

    BOC F1RST Card

    S$190 (Waived for 2 years) 28.88% p.a. 28.88% p.a.
    • Earning Miles
    • Taxi rides
    • Students

    BOC Shop! Card

    S$190 (Waived for 2 years) 28.88% p.a. 28.88% p.a.
    • Shopping

    BOC Travel Card

    S$190 (Waived for 2 years) 28.88% p.a. 28.88% p.a.
    • Travel
    • Overseas spending

    BOC World MasterCard

    S$190 (Waived for 2 years) 28.88% p.a. 28.88% p.a.
    • Travel
    • Overseas spending

    BOC Great Wall World MasterCard

    S$190 28.88% p.a. 28.88% p.a.
    • Golf
    • Overseas spending

    BOC SCCCI Great Wall Affinity Card Platinum

    S$190 (perpetual waiver) 28.88% p.a. 28.88% p.a.
    • Overseas spending
    • Privileges in SG, CH, Macau, and HK

    BOC Chinese Scholars & Students Association Platinum Elite Card

    S$190 (perpetual waiver) 28.88% p.a. 28.88% p.a.
    • Overseas spending
    • Hotel bookings
    BOC Travel Card
    BOC Travel Card

    Best for Travel Spends

    • 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.   
    BOC Family Card
    BOC Family Card

    Best for Dining Spends

    • 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.
    BOC F1RST Card
    BOC F1RST Card

    Best for Student

    • 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.
    BOC Shop! Card
    BOC Shop! Card

    Best for Shopping

    • 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.

    BOC Card Rewards Programmes

    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. Some of the prominent gifts under the rewards programme of BOC are:

    Redeem Points

    • Bon Appetit: Redeem BOC points at select restaurants in Singapore.
    • Retail & Leisure: Redeem BOC points at select retail stores in Singapore.
    • Hot Picks: Redeem BOC points at selected stores.

    Complimentary Privileges

    • Concierge services: Enjoy 24x7 assistance from a dedicated concierge on certain cards.
    • Airport lounge access: Enjoy free entry to airport lounges at various airports on selected cards.
    • Movie privileges: Free tickets & discounts at Shaw Theatres from time to time on selected cards.
    • Travel insurance: Up to S$1 million as complimentary travel insurance on cards such as the Visa Infinite Card.
    • Dining and hotel privileges: Several perks at restaurants, hotels & cafes across Singapore and Mainland China.

    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.

    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.

    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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