Bank of China Family Card

    Features of BOC Family Card

    The features of BOC Family card are as follows:

    • The card is meant for everyday use.
    • The card can be enjoyed by the entire family.
    • The card earns higher cash rebates on Dining expenses, grocery bills, medical bills at select hospitals, utility bills such as Telco bills, and even offers rebates on top-ups done through NETS FlashPay Auto.
    • All other expenses earn a lower rate of cash rebates.
    • The card requires the cardholder to meet a certain spend criteria to qualify for the rebates.

    Benefits of BOC Family Card

    • The card offers a base cash rebate rate of 0.5% on all expenses. This cash rebate is given when the minimum monthly expense is less than S$500.
    • For cardholders exceeding the S$500 spend criteria in a billing cycle then they qualify to receive family cash rebate of 7% on dining expenses at qualifying merchant outlets.
    • The family cash rebate for grocery expenses incurred at supermarkets or hypermarkets across Singapore is 5%, medical bills incurred through on-site transactions at select hospitals earn cash rebate of 5%, a 1% cash rebate on telecommunication bills and a 5% rebate on expenses incurred at select outlets of BEST Denki, BIG BOX, Toys R Us, POPULAR bookstore, Watsons and Unit Pharmacy. The family cash rebate is capped at S$100 a month.
    • If the supplementary card has a minimum of S$200 charged to it within one month, then the principal cardholder earns an additional 2% cash rebate. The additional cash rebate is capped at S$20 a month.

    Fee and charges

    Type of fee Amount payable
    Annual fee S$150 for primary credit card, waived for the first year.
    Supplementary card fee S$75 for supplementary card, waived for the first year.
    Interest rate 25.88% per annum
    Late payment charges Minimum of S$80 or 5% of minimum monthly payment sum
    Cash advance fee S$20 or 6% of the amount withdrawn, whichever is higher
    Administrative fee 1.5% of transaction amount for foreign currency transactions

    Transactions in foreign currencies

    Cardholders are required to reach out to the 24 hour customer service line at 1800 338 5335 for local and +65 6338 5335 for overseas callers to activate overseas use. Transactions carried out overseas charge a foreign currency transaction fee of 1.5% of the transaction amount.

    MasterCard or Visa Transactions that are processed overseas but effected in Singaporean dollars carry a dynamic currency conversion fee of 0.8% of the transaction amount for Visa transactions and 1% of the transaction amount for MasterCard transactions.

    How to apply for BOC Family Card

    Aspiring cardholders can apply for the BOC Family card either online through the Bank of China website or through any third party financial website that offers the provision or they can apply offline by visiting their nearest bank of China branch

    Eligibility Criteria for BOC Family Card

    • The principal cardholder must be at least 21 years of age as at last birthday.
    • The supplementary cardholder must be at least 18 years of age as at last birthday.
    • If the cardholder is a Singaporean national then they must earn a minimum annual income of S$30,000.
    • If the cardholder is a foreigner then they must earn a minimum annual income of S$60,000.

    Documents required

    Aspiring Cardholders will need to submit certain documents at the time of application which are as follows

    Salaried applicants

    • Latest income Tax notice of assessment
    • Front and Back photocopy of NRIC
    • Latest pay Slip
    • 6 months CPF Statement

    Self Employed Applicants

    • Front and Back photocopy of NRIC
    • 2 years of Income Tax Notice of Assessment
    • 12 months CPF statement

    Foreign Applicants

    • Photocopy of Passport
    • Photocopy of Employment Pass valid for 9 months
    • Latest pay Slip

    Interest on BOC Family Card

    The current interest rate levied on BOC Family card is 25.88% per annum or an applied rate of 2.16% per month. Interest rates are subject to change and it is advised to contact the bank to check current interest rates.


    The repayment should be made on a monthly basis and amounts to a minimum monthly payment of 3% of the outstanding balance plus any previous outstanding minimum payment sum and any sum exceeding the credit limit of the card or S$50, whichever is higher. Failure to do so will incur a late payment penalty of S$80 or 5% of the minimum payment sum

    Lost/stolen card liability

    The cardholder should report lost or stolen cards as soon as possible to Bank of China. Cardholders will not be held liable for any expenses charged illegally to their card after they report it stolen or missing. Cardholders will however be held liable for any transactions and cash advances, authorised or unauthorised carried made with the use of the credit card’s PIN.

    Reporting lost/stolen credit cards

    Cardholders need to report to the bank immediately upon discovery of lost or stolen credit cards and can do so by calling the 24 hour helpline BOC credit card hotline number at 1800 338 5335.

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