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, subject to a minimum spend requirement of S$700 per billing cycle.
Get 5% cash rebate on various everyday spends.
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.
S$190 (first year fee waiver)
Cash rebate on local and overseas dining
Cash rebate on movies
Cash rebate on online purchases
Cash rebate on shopping at supermarkets
Cash rebate on NETS FlashPay auto top up
Cash rebate on telco bills
Cash rebate on hospital bills
Cash rebate on shopping at select retail merchants
Cash rebate on all other retail spend
Complimentary travel insurance
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.
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.
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.
Cash rebate rate
Cash rebate earned
Maximum rebate cap
NETS FlashPay auto top-up
Shopping at participating merchants
Other retail purchases
Supplementary card spending
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.
Type of interest
28.88% p.a. (EIR)
28.88% p.a. (EIR)
Instalment payment plan
Other Fees and Charges
Type of charge
Overseas transaction fee
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
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.
Find out the eligibility parameters of this card on this page to ensure that your application is not rejected.
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.