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    BOC Visa Infinite Card for Travel

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    If you’re someone who loves taking on the world, this card just might end up becoming your constant (and favourite) sidekick. Designed to be just as bold, brave, and dynamic as you are, it gives you rewards on purchases you make both in Singapore and overseas as well. For all transactions made in the country, you get a cash rebate of 1%, while all overseas transactions earn you a rebate of 1.5%. If you have a BOC Multi-Currency Savings account and spend at least S$1,500 every month on this card, you are eligible to get interest rates extending to 3.55% p.a. on the amount in your account. The BOC Visa Infinite Card helps you travel in peace and comfort by offering you free travel insurance worth S$1 million along with free access to Plaza Premium Lounges all over the world twice a year. Add to this a 24-hour concierge service and you can be sure that your travel will be as comfortable as possible. The card also comes with complimentary purchases protection, giving you more peace of mind when you buy online as well as in physical stores. Also, you get to enjoy priority treatment at 65doctor when you book online.

    Key Features

    Feature Description
    Cash rebate on all purchases made in Singapore 1%
    Airport lounge access Yes
    Concierge/Butler Services Yes
    Purchase Protection Yes
    Complimentary travel insurance Up to S$1 million

    Get up to 1.5% Cash Rebates While You Shop

    Love shopping online? Do you prefer using a credit card to pay for your regular purchases? Even if you’re not someone who regularly uses a card to pay for the things you buy, you should check this card out. Why use other means of payment when you can use one that will reward you for spending? This credit card rewards you with a cash rebate of 1.5% when you use it to pay for purchases that you make overseas. Whether you’re buying things online or shopping while you’re travelling, using this card can make your purchases cheaper. It also gives you a 1% rebate on all spends made locally within the country. What’s more, there’s no minimum spend criterion. No matter how large or small your transaction amount is, you can enjoy this reward. In addition to this, there is no cap to how much you can earn in terms of rebate every month. The more you spend, the more you earn. It’s that simple. So go ahead, spend, get your rewards, and enjoy.

    Travel in Comfort and Style

    The BOC Visa Infinite Card holds many benefits for those who travel a lot. If you’re someone who frequently jet-sets whether for business or pleasure, you can now enjoy travel benefits that are designed to make your journey and stay more comfortable. The next time you’re at an airport either at the start of your journey or waiting in transit, you don’t have to dread the commotion and chaos of the airport terminal. Simply make use of the Plaza Premium Lounge access that this card gives you, to enjoy a time of relaxation and serenity, twice every year. If you hate making travel plans and booking hotels, call the concierge service that is available all 24 hours of the day. They are there to help you plan your travel from booking flights to making arrangements for your stay, making dining reservations, and more. You also get complimentary travel insurance with coverage of up to S$1 million.

    Additional Benefits

    • Enjoy special promotional deals offered by the bank every year.
    • Get two free entries per year at participating Plaza Premium Lounges globally.
    • Enjoy waiver of 1.5% currency exchange fee on all transactions made overseas.
    • Get priority in the medical queue when you make a booking online at 65doctor.
    • Spend at least S$1,500 using this card and enjoy a rate of interest of up to 3.55% p.a. on the BOC Multi-Currency Savings Account.

    Earning Cash Rebate

    You earn 1% cash rebate for all purchases that you make in Singapore. Since there is no cap on the earnings and no minimum spend, your earnings are limitless.

    Calculate Cash Rebate from BOC Visa Infinite Card

    Let us say you have spent S$1,240 locally and S$1,500 overseas in a given month. The cash rebate that you will earn will be as follows:

    Spend categories Monthly spend (S$) Cash rebate rate Cash rebate amount (S$)
    Local spends S$1,240 1% S$12.40
    Overseas spends S$1,500 NA NA
    Total S$2,740   S$12.40

    At this rate, your annual earning will be S$148.80.

    Redeeming your Earned Rewards

    The rebates you earn will be credited to your account, and can be used to pay a part of your bill every month or once a year.

    Complimentary Insurance Coverage

    With this card, you will get a complimentary travel insurance worth S$1 million. You also get purchase protection on online shopping.

    BOC Visa Infinite Card Interest Rates

    Type of Interest Charge
    Retail Purchases Applied rate - 2.41% per month Effective interest rate - 28.88% p.a. minimum charge S$3.
    Cash Advance Applied rate - 2.41% per month Effective rate of interest - 28% p.a., minimum charge of S$3.00
    Instalment Payment Plan 0%

    BOC Visa Infinite Card Fee and Charges

    Type of charge Charge
    Annual Fee S$350 for the principal card, (First-year annual fee is waived )
    Late payment charges 5% per month of the minimum amount, subject to a minimum of S$100
    Cash advance fee S$20 or 6% of the amount withdrawn, whichever is more
    Fees for foreign currency transactions BOC administrative fee:  1.5% of the transaction sum Visa Card fee: Additional 1% of the transaction sum
    Supplementary Card Fee S$175

    Activating the Card for Overseas Expenses

    Yes, if you want to use your BOC card overseas, you have to activate it. BOC has put an extra security layer to protect customers against all types of fraudulent transactions carried out by unauthorised personnel. However, you can continue using your card to make online purchases at overseas websites. You can call the 24-hour customer service hotline number to activate your card for overseas use.

    Instalment Payment Plans Available

    With your BOC card, you can pay your large purchases through instalments of 6, 12, 24 and 36 months with no extra cost. However, the payments should be done through cards issued locally. If you give up your instalment plan early or if you prepay, you will be charged a redemption fee of S$150.

    You are also not permitted to change the instalment sum or its tenure. The minimum sum for purchasing goods and services from the preferred merchant shall be S$500. You will not get any rewards points or cash rebate for payments made through the instalment plan.

    Eligibility Criteria

    If you want to check whether you qualify to apply for this card, please check the eligibility criteria here.

    Lost/Stolen Cards

    You are expected to ensure the safety of your cards and PIN. If you lose your credit card or if it gets stolen, you must immediately report the incident to the bank. You can do so by informing the bank in writing or by calling the Customer Service Hotline number.

    You will also have to make a police complaint along with a written confirmation of the theft, loss or misuse of the card or disclosure of the PIN. You should also provide all relevant information that the bank may find useful.

    Your obligation for any unauthorised use of the card is not more than S$100 if you have been careful and not acted deceitfully or informed the bank quickly after knowing that the card has been lost.

    There are various websites that will select the right card for you by comparing all the cards in each category in terms of the benefits and features, fees and charges, eligibility criteria and more. BankBazaar is one such site presenting the information in an easy-to-read format.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Through Online Banking

    You can enable or disable the auto debit feature, follow the steps below:

    • Log in to your internet banking account.
    • Add the reference number and the entity to which you want the money to be paid.
    • Next, choose to either have a scheduled payment or have the payment done immediately.
    • It will take approximately 2 to 3 working days for the bank to process the payment request.

    To disable this service, go to bill payment management and change the date or revoke the payment.

    How to Apply for the Card & Check the Application Status

    Through Mail/Fax and Follow Up With the Bank

    To apply for this card:

    • Download the online application form.
    • Fill all the relevant details.
    • Attach all the necessary documents together with the form.
    • Submit the form to BOC via mail or fax.

    You can check your card application status by calling the 24/7 customer service hotline number. The bank executive will check the status of your card application and inform you of the same.

    How to Check Balance

    Through Internet or Phone Banking/BOC Mobile Banking App

    There are two ways to check the balance on your credit card:

    • Log into your internet or phone banking account.
    • Use the BOC mobile banking app to do the same.

    How Can the Bill Be Paid?

    Through Cash/AXS/Cheque/Money Order/GIRO/Internet Banking

    Pay your monthly credit card bills using any of the following methods:

    • Cash payments
    • AXS machine
    • Cheque or money order
    • Interbank GIRO
    • Internet banking account

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

    3% of the Outstanding Balance or Min S$50

    You will have to pay at least 3% of the monthly outstanding balance, in addition to any pending Minimum Payment Sum and any amount over the credit limit or S$50, whichever is greater.

    What Is the Grace Period?

    23 Days

    You will get an interest-free period of 23 days from the due date only if all the pending dues are entirely paid.

    How to Block or Unblock the Card?

    Call Customer Service

    To block your BOC card, you will have to talk to your bank representative by calling at the 24/7 hotline number. You will have to follow the same procedure to unblock your card.

    How to Reset the PIN?

    Through Tele-Banking/Call Customer Service

    • Register for tele-banking and reset your PIN.
    • Call the bank’s 24/7 Customer Service Hotline number. The bank representative will issue a new PIN instantly.

    What Is the Billing Cycle and the Bill Due Date?

    1 Month (Can Start on Any Day)

    The billing cycle can either be a calendar month or 30 days from the date your card got approved. The bill due date that will be stated on the statement is the date by which you need to make the full payment.

    How to Get a Replacement Card?

    Call the bank’s 24-hour customer service hotline for replacement under the following circumstances:

    • When your present card expires.
    • If you have misplaced or lost your original card.
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