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  • BOC Family Card for Cash Rebate

    BOC Family Card for Cash Rebate

    The BOC Family Card is a credit card that is specially designed to help you pay for your family’s shopping needs in a convenient and easy manner. It helps you earn rewards as you spend for a variety of expenses including everyday household needs, eating out at restaurants, spending on health and wellness, and on entertainment options such as movies and more. The card gives you cash rebates of 10% on dining, 10% on movies, 5% on purchases you make online, and 5% on hospital bills, supermarket purchases, telco bills, Auto Top-up (NETS FlashPay), and spends at selected merchant outlets. On all other purchases (retail), you are eligible to get a cash rebate of 0.3%. To get these rates of rewards, you have to spend a minimum of S$700 every month on the card. If you don’t spend the minimum required amount every month on this card, you will earn a base cash rebate rate of 0.3% on all retail spends.

    Key Features

    Feature Description
    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

    Enjoy Your Dining Escapades With 10% Cash Rebate

    If you’re someone who loves to eat out at restaurants often or if you want to spend some quality time with your family by treating them to their favourite dishes at some of the popular restaurants in town, you should consider paying for the food bills with this card. It gives you a cash rebate of 10% on food bills at all the specified cafes, fast food outlets, and restaurants on the island. This, however, does not apply to food & beverages you buy inside hotels, and on wedding banquets that take place inside hotels.

    Get Rewarded With 10% Rebates for Watching Movies

    This card rewards you with 10% cash rebates when you use it to pay for movie tickets at all theatres in Singapore that come under the “Motion Picture Theatres” category. The maximum amount of rewards you can accumulate for both movies and dining together is S$30 every month (every billing cycle).

    Online Purchases Get Cheaper at 5% Rebates

    Online shopping has caught on in a big way all over the world. And if you too love the comfort and ease of buying the things you need without getting up from your chair at home, you can get rewarded for it as well. The BOC Family Card rewards you with cash rebates of 5% every time you use it to pay for your online transactions. This applies to all retail purchases you make on the internet using this card. The maximum rebate you can accumulate every month for online shopping is S$30.

    Get 5% Rebates at Hospitals & Supermarkets, on NETS FlashPay ATU, Telecommunication Bills, and Selected Merchants

    Use this card to pay for spends at these institutions and you are eligible to get a cash rebate of 5% at each of them. This applies to bills that you pay at hospitals (on-site), purchases made at supermarkets, hypermarkets, and grocery stores, and other selected merchants that include specific stores dealing with home furnishings, furniture, electronics, drugs and pharmaceuticals, books, toys, and more. You also get the same rate of rewards when you make top-ups (automatic) on the NETS FlashPay feature that is charged to this card. This applies to a maximum of 4 top-ups for each card account, for every billing cycle. The 5% rebate is also available when you pay telecommunication bills from major telco companies in the country.

    All Other Spends Get 0.3% Rebate

    All other retail purchases you make on this card (ones that are not covered in the categories given above), you get a rebate of 0.3%. The amount of rebate you can accumulate under this reward category is limited to S$40 per month.

    Supplementary Card Spends Get an Extra 2% Rebate

    If you get a supplementary card and spend at least S$200 (aggregate spend) on it in one billing cycle, you will get an extra 2% rebate on other spends, excluding the spend categories that are already mentioned in the other categories. The maximum cash rebate you can earn per billing cycle under this category is S$20 for each card.

    Additional Benefits

    • Get additional 2% rebate on other retail purchases made with the supplementary card, subject to a minimum monthly spend of S$200 on the card. The rebate is capped at S$20 per billing cycle.
    • Take advantage of BOC’s promotional offers, whenever they are 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(part of the S$40 cap mentioned above) 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.

    Calculate Cash Rebate from BOC Family Card

    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 be transferred to any other person.

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

    BOC Family Card Interest Rates

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

    BOC Family Card Fees and Charges

    Type of charge Charge
    Annual fee S$190 (first year fee waiver)
    Overseas transaction fee 2.5%
    Late payment fee 5% of the minimum payment amount or S$100, whichever amount is higher
    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

    The magnetic strip 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 an urgency, you can request the bank for expedited processing.

    How to Check Your 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 machines.
    • 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?


    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 will 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 lose your card or detect any 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.

    BOC Family Card Reviews

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