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.
Best suited for: Chinese students/scholars in Singapore who travel and spend overseas.
|Annual fee||Perpetual fee waiver|
|Rewards points on overseas spending||2x bonus points|
|Complimentary travel insurance||Not available|
Get a voucher worth S$1,000 from BOC on joining as a cardmember.
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|
|Total||S$1,200||Points earned: 2,400|
Rewards available on this card include:
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|
|Al-Futtaim Retail Asia||S$10||2,900|
|United Square Shopping Mall||S$10||3,000|
Redeem your bonus points by:
|Type of interest||Charge|
|Retail purchases||28.88% p.a.|
|Cash advance||28.88% p.a.|
|Instalment payment plan||0%|
|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.|
|Cash advance fee||6% of the withdrawal amount or S$20, whichever amount is higher.|
Before you apply for this card, check our BOC credit cards page to ensure that you meet the eligibility criteria set by the bank.
Your liability for unauthorised transactions will be limited to S$100 if:
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.
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How to Enable/Disable Auto Debit & Standing Instructions
Through Schedule Bill Payment Management Feature/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:
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:
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?
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:
What Is the Billing Cycle and the Bill Due Date?
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.