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    BOC Family Card for Saving More on Every Day Needs with Cash Rebates: Yet to Get Reviews

    Credit Card Application

    This card has been designed for those looking to earn rewards on their everyday household expenses, such as eating out, shopping at supermarkets, telephone bills, and much more. Key highlights of this card are:

    • Enjoy up to 10% Family Cash Rebate on spending in various categories, subjected to minimum spend requirement of S$700 per billing cycle.
    • Each category is subjected to a maximum rebate cap per billing cycle.
    • Earn base cash rebate of 0.3% on all purchases, if you don’t meet the minimum spend requirement.

    Best suited to: Individuals looking to save money on their daily household expenses.

    Key Features

    Feature Description
    Annual fee S$190 (first year fee waiver)
    Cash rebate on local and overseas dining 10%
    Cash rebate on movies 10%
    Cash rebate on online purchases 5%
    Cash rebate on shopping at supermarkets 5%
    Cash rebate on NETS FlashPay auto top up 5%
    Cash rebate on telco bills 5%
    Cash rebate on hospital bills 5%
    Cash rebate on shopping at select retail merchants 5%
    Cash rebate on all other retail spend 0.3%
    Complimentary travel insurance Not available

    Additional Benefits

    • Get additional 2% rebate on other retail purchases made with the supplementary card, subjected to a minimum monthly spend of S$200 on the card. Rebate is capped at S$20 per billing cycle.
    • Take advantage of BOC’s promotional offers, whenever available.

    Earning Rewards

    You can earn Family Cash Rebate on your spending under these categories:

    • Category 1: 10% cash rebate on dining (locally and overseas) and movies, capped at S$30 per billing cycle.
    • Category 2: 5% cash rebate on online shopping, capped at S$30 per billing cycle.
    • Category 3: 5% cash rebate on your supermarket expenses, hospital bills, telco bills, NETS FlashPay auto top-ups, and on shopping at select merchants, capped at S$40 per billing cycle.

    Additionally, you will earn:

    • 0.3% rebate on all other retail purchases that are not covered under the above categories, capped at S$40 per billing cycle.
    • 2% rebate on all retail purchases (other than the three categories mentioned above) made with the supplementary card. The supplementary card rebate is capped at S$20 per billing cycle.

    Let Us Illustrate:

    Let us say that you have spent S$3,400 last month on several expenses such as dining, hospital expenses, online shopping, recurring bill payments and more. This is how you will earn cash rebate on all your spends.

    Spend category Monthly spend Cash rebate rate Cash rebate earned Maximum rebate cap
    Dining S$200 10% S$20 S$30
    Movies S$100 10% S$10
    Online shopping S$600 5% S$30 S$30
    Supermarket shopping S$200 5% S$10 S$40
    NETS FlashPay auto top-up S$50 5% S$2.5
    Hospital bills S$200 5% S$10
    Telco bills S$50 5% S$2.5
    Shopping at participating merchants S$200 5% S$10
    Other retail purchases S$1,000 0.3% S$3
    Supplementary card spending S$800 2% S$16 S$20
    Total S$3,400 Cash rebate earned: S$114  

    Earning Cash Rebate

    • BOC credits your cash rebate directly to your card account.
    • The cash rebate can only be used to offset the transactions made with your principal card.
    • It can’t be exchanged for cash or transferred to any other person.

    Cash rebate earned will expire if not used within two calendar years from the date it was credited to the card account or if the card is cancelled/terminated.

    Interest Rates

    Type of interest Charge
    Retail purchases 28.88% p.a.
    Cash advance 28.88% p.a.
    Instalment payment plan 0%

    Other Fee and Charges

    Type of charge Charge
    Overseas transaction fee 2.5%
    Late payment fee 5% of the minimum payment amount or S$100, whichever amount is higher
    Over-limit fee S$40
    Cash advance fee 6% of the withdrawal amount or S$20, whichever amount is higher
    Supplementary card fee S$95

    Activating the Card for Overseas Expenses

    Yes, the magnetic stripe of the card has to be activated for overseas retail transactions. Activate it by calling the bank’s 24-hour hotline. You’re advised to deactivate it as soon as your trip is over.

    Instalment Payment Plans Available

    BOC 0% Interest Instalment Payment Plan

    • Convert your credit card purchases worth S$500 or more into interest-free instalments.
    • Spread your payments over 6, 12, 24, or 36 months.
    • The tenure, once selected, can’t be changed throughout the entire duration of the plan.
    • A fee of S$150 will be levied if you choose to terminate the plan or make early repayment.

    Eligibility Criteria

    Find out the eligibility parameters of this card on this page to ensure that your application is not rejected.

    Lost/Stolen Cards

    • Report the same to the bank immediately.
    • Call BOC’s customer service hotline to report the loss of your card.
    • File a police report and submit a copy of the same to the bank if your card PIN has been disclosed.

    Your liability for any unauthorised transactions will be limited to S$100, provided:

    • It was established that you weren’t responsible directly or indirectly for the incident.
    • The bank was satisfied with your conduct and cooperation during its investigation.

    Are you finding it difficult to deal with the number of choices in the credit card market? Hold on! Here’s where you can know more about credit cards.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions?

    Through Online Banking

    • Use the bill payment feature of your online banking account.
    • Set up your scheduled date at least three days before the transaction date.
    • Choose a scheduled date of payment up to 30 days prior to the actual date.
    • Withdraw your scheduled payment instruction one business day before the scheduled date of settlement using the online banking service.
    • Select a participating billing organisation to your list of payees and provide standing instructions to the bank to make scheduled payments.

    How to Apply for the Card & Check the Application Status

    Download/Fill/Submit Form & Follow Up With the Bank

    • Check the eligibility criteria set by the bank for this card.
    • Download the relevant form from the bank’s website, fill it out, and send it to the bank.
    • Attach supporting documents like salary documents and proof of nationality with your application form.

    To check the status of your card application, you can:

    • Call the bank and talk to customer care representatives.
    • Processing may take up to two weeks in general.
    • In case of urgency, you can request the bank for an expedited processing.

    How to Check Balance

    Online Banking/BOC Mobile Banking App

    • Check your current balance, outstanding balance, and available credit limit using your online banking account.
    • Check transactions completed with your card in the last 12 months.
    • Use BOC’s mobile app to check your current and outstanding card balance. You’ll need an active personal internet banking account to activate and access this free mobile app.

    How Can the Bill Be Paid?

    GIRO/At the Branch/AXS/Internet Banking

    You can pay your monthly credit card bills using the following modes:

    • Through AXS machine.
    • Through interbank GIRO.
    • Through your internet banking account.
    • Payable through cheque or money order drawn on a bank branch.
    • Cash payments made to the bank’s main and sub-branches in Singapore

    How Much Is the Minimum Payment to Be Made on the Card?

    3% of Outstanding Balance or Min. S$50

    • The minimum monthly payment is 3% of your outstanding balance, subject to a minimum of S$50.
    • Any amount in excess of your approved credit limit and minimum payment dues from previous billing cycles will also be added.

    What Is the Grace Period?

    23 Days

    • The interest-free period is 23 days from the date of generation of statement.
    • This works only if you have paid the outstanding balance from previous billing cycles.

    Can It Be Used With EZ-Link?

    Yes

    You can automatically reload your EZ-link card using EZ-Reload.

    How to Block or Unblock the Card?

    Call Customer Service Hotline

    In order to block or unblock you card, call the 24-hour bank hotline numbers.

    How to Reset the PIN?

    Telebanking/ATMs/Online Banking

    You may reset the PIN by:

    • Telebanking
    • Visiting an ATM
    • Logging into your online banking account

    What Is the Billing Cycle and Bill Due Date?

    1 month (Can Start on any Day of the Month)

    • The billing cycle or the period between two successive statements would depend on the number of business days in a month.
    • Your bill due date would be mentioned on your monthly statement.

    How to Get a Replacement Card?

    Call Customer Care

    • The bank may issue a replacement card on the expiry of your current card.
    • It may issue a replacement card at its discretion if you have lost/misplaced a card.
    • Call the bank immediately if you detect loss or unauthorised use of your card.

    How to Temporarily Increase the Limit of the Card?

    • The maximum credit limit offered is two times your monthly income.
    • Get in touch with the bank if you need a temporary credit limit increase on your card.
    • For a permanent increase, you may have to make a written request.
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