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    BOC Chinese Scholars & Students Association Platinum Elite Card for Bonus Points: Yet to Get Reviews

    Credit Card Application

    This card is exclusively designed for the members of the Chinese Scholars & Students Association. It rewards Chinese students and scholars in Singapore with 2x bonus points on overseas spending.

    • Aimed at promoting Singapore and China’s cooperation in education, culture, science, and economy.
    • Perpetual fee waiver.
    • Exclusive privileges at merchants in Singapore, Hong Kong, China, and Macau.
    • Welcome gift vouchers.

    Best suited for: Chinese students/scholars in Singapore who travel and spend overseas.

    Key Features

    Feature Description
    Annual fee Perpetual fee waiver
    Rewards points on overseas spending 2x bonus points
    Complimentary travel insurance Not available

    Joining Perks and Signup Bonuses

    Get a voucher worth S$1,000 from BOC on joining as a cardmember.

    Additional Benefits

    • Get special privileges at various merchants in Singapore, Macau, Hong Kong, and China.
    • Get special rates on your hotel bookings.
    • Get complimentary assistance for making hotel reservations.
    • Get a discount of 35% on Travel Safe insurance policy by China Insurance.
    • Enjoy promotional offers from BOC on your card from time to time.

    Earning Rewards

    • BOC Double Rewards: Earn up to 2x bonus points on your overseas spending.
    • Redeem your points for attractive gifts.

    Let Us Illustrate:

    Assume that you travel overseas every month for work or leisure. You spend on shopping, dining, and entertainment with this card. Take a look at the table below to understand how many bonus points you can earn with your overseas spending:

    Spend category Monthly spend Bonus points earned
    Dining S$500 1,000
    Shopping S$400 800
    Entertainment S$300 600
    Total S$1,200 Points earned: 2,400

    Redeeming your Earned Rewards

    Rewards available on this card include:

    • BOC rewards vouchers redeemable at participating restaurants or stores.
    • Cash rebates.

    Assume that you spend S$1,200 overseas every month. Charge these expenses to this card and earn 2,400 bonus points every month. So, in one year, you would accumulate 28,800 bonus points.

    Take a look at the table below to know the number of points you need to redeem to enjoy benefits at your favourite restaurants and departmental stores.

    Merchant Voucher Price Bonus points required
    Long Beach Seafood Restaurant S$50 13,800
    Takashimaya S$10 3,200
    Al-Futtaim Retail Asia S$10 2,900
    United Square Shopping Mall S$10 3,000
    Crocodile S$20 5,000

    Redeem your bonus points by:

    • Calling the bank at 1800-338-5335.
    • Download the redemption form from the bank’s website and faxing it to the bank.

    Interest Rates

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

    Other Fees and Charges

    Type of charge Charge
    Overseas transaction fee BOC’s administrative fee: 1.5% of the amount of transaction. Additional fee of 1% from Visa or Mastercard and 0.6% from Union Pay.
    Late payment fee 5% per month of minimum due amount or minimum S$100.
    Over-limit fee S$40
    Cash advance fee 6% of the withdrawal amount or S$20, whichever amount is higher.

    Activating the Card for Overseas Expenses

    • Yes, you have to activate the magnetic stripe of your card before you can use it outside Singapore.
    • Call the bank’s 24-hour customer service to activate the magnetic stripe on your card.
    • Deactivate the feature again once your trip is over.

    Instalment Payment Plans Available

    • Convert your large credit card purchases into interest-free, monthly instalments with BOC’s instalment payment plan.
    • Spread your payment over 6, 12, 24, or 36 monthly instalments.
    • The value of your purchase can’t be less than S$500.
    • A tenure once selected can’t be changed.
    • On termination of the plan or early redemption, a charge of S$150 will be levied.
    • The purchase amount must not exceed the credit limit available.

    Cash Withdrawal on the Credit Card

    • The maximum cash withdrawal amount depends on the credit limit available available.
    • When in Singapore, take a cash advance through any one of the following channels:
      • Personal internet banking account.
      • Mobile banking.
      • BOC ATMs.
      • Bank branches.
      • By calling the bank’s 24-hour hotline.
    • When outside Singapore, take a cash advance through any Cirrus/PLUS ATM.

    Eligibility Criteria

    Before you apply for this card, check our BOC credit cards page to ensure that you meet the eligibility criteria set by the bank.

    Lost/Stolen Cards

    • Call BOC’s credit card hotline immediately to report the incident.
    • File a police report and submit a copy to the bank if the security of your card has been breached.

    Your liability for unauthorised transactions will be limited to S$100 if:

    • You offer all sorts of cooperation to the bank in its enquiry and investigation.
    • You can prove your innocence and noninvolvement in the fraud.
    • You can prove that you weren’t grossly negligent.

    It is important to understand how credit cards actually work. In order to get better insights, visit our site where you’ll find credit cards explained in a simple way.

    Credit Card Tips

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Through Schedule Bill Payment Management Feature/GIRO

    • Use the Schedule Bill Payment Management feature.
    • Opt for the minimum or entire outstanding balance to be automatically debited from your authorised account before the due date each month through GIRO.

    How to Apply for the Card & Check the Application Status

    Download and Mail the Form to the Bank and Follow Up

    To apply for this card, you must take the following steps:

    • Fulfil the eligibility criteria fixed by the bank.
    • Download the relevant forms from the bank website, fill it up and send it to the bank.
    • To check your application status of the card, call the bank’s 24/7 customer service hotline number.

    How to Check Balance

    Through Internet or Mobile Banking

    Check the balance on your card using your internet banking account or you can use the mobile application of BOC to do the same.

    How Can the Bill Be Paid?

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

    Pay your credit card bills each month in any of the following manners:

    • Cash payments
    • AXS machine
    • Cheque or money order
    • Interbank GIRO
    • Internet banking account
    • Telephone Banking
    • Money Order

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

    3% of the Outstanding Balance or Min S$50

    3% of the outstanding card balance, subject to a minimum of S$50. Any amount exceeding your credit limit and unpaid dues from previous statements will also be included.

    What Is the Grace Period?

    23 Days

    An interest-free period of 23 days from the statement generation date, only if you have no unpaid balance from previous cycles.

    How to Block or Unblock the Card?

    Call the 24/7 bank hotline numbers to block or unblock your BOC card.

    How to Reset the PIN?

    Through Internet Banking/BOC ATM/Visit the Bank

    You can reset the PIN of your credit card by taking any of the following steps:

    • Login to your internet banking account.
    • Visit a BOC bank branch.
    • Visit a BOC ATM and follow the instructions on the machine.

    What Is the Billing Cycle and the Bill Due Date?

    1 Month

    The billing cycle for BOC card will be a particular date in each month. The due date will be stated on your credit card statement.

    How to Get a Replacement Card?

    You will get a replacement card when your current card expires. The bank may issue a replacement card in case you have lost or misplaced your BOC card.

    How to Temporarily Increase the Limit of the Card

    You can temporarily raise the limit of your card by getting in touch with your bank. However, if you want to get a permanent raise, you will have to make a written request by filling up the credit limit increase form and submitting the form along with your recent income documents.

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