Grab a credit card that gives you better rewards & more!

    BOC Dual Currency Diamond Card for Reward Points

    This credit card gives you the flexibility to make your payments in either Renminbi or in Singapore dollars. If you purchase goods or services and pay for them in foreign currency, it waives off the charges and fees that usually apply on foreign currency transactions. If you plan on transferring money to Mainland China, you can get a discount of 30% on the remittance fees by showing your card at any of the BOC branches. Another feature of the card is that it offers double rewards on all foreign spends excluding those that you make in RMB. You can redeem these rewards to get cash rebates, dining vouchers, and gadgets courtesy of the rewards programme from BOC. You can use this card to pay for purchases you make at more than 24 million terminals in China. You can use it to withdraw money from over 200,000 ATMs as well. A 24-hour concierge service is provided to help you plan your travels and make all the necessary arrangements without any hassles.

    Key Features

    Features Description
    Reward points for retail purchases overseas 2 bonus points for every S$1 (except in RMB)
    Reward points for local retail purchases 1 bonus point for every S$1
    Airlines that the points can be used in Singapore Airlines and SilkAir
    Complimentary travel insurance Not available
    Concierge/butler service Available – Worldwide Concierge Assistance

    Double Rewards Make Shopping More Exciting

    If you love getting rewards when you use your card to pay for your purchases, the BOC Dual Currency Diamond Card is something you should consider getting. It gives you 2x Bonus Points for every purchase you make overseas. However, this does not apply to transactions you pay for in RMB.

    You can accumulate these Bonus Points over time and use them to get various rewards such as dining vouchers, rebates and some of the latest gadgets from the BOC Rewards programme. This way, shopping can become a whole lot more fun and rewarding.

    Benefits for Overseas Transactions

    Being a dual currency card, it allows you to pay for your purchases in both Singapore dollars and  Renminbi. In addition to this, you get the currency exchange fees completely waived off on all purchases that are paid for in Renminbi, making your transactions that much cheaper. Also, the next time you want to transfer money to Mainland China, show this credit card at your BOC branch to get a discount of 30% on your remittance fees.

    Making Payments in China Gets a Whole Lot Easier

    If you shop frequently in China, you may want to carry this card along with you. Since the card is linked with UnionPay which is the payment network with the widest coverage in China, you can use it to pay at more than 24 terminals when you purchase goods or services from participating merchants. Apart from this, you can also use it to withdraw cash from more than 200,000 ATMs in China. No more falling short of cash when you’re travelling in the country.

    Your Very Own Personal Concierge Service

    If you travel a lot, chances are, you get tired of making plans and sorting out travel arrangements every now and then. Or even if you’re travelling for the first time and you don’t know how to go about making all the necessary arrangements, simply get in touch with the concierge service that is available with this card.

    It is a service that is available all 24 hours of the day, and is designed to help you books air tickets, arrange for airport transfers, book hotel rooms and plan your travel calendar. If you’re on a business trip, you can also use this service to make reservations for business lunches. They are also available for any emergencies that may come up during your travels, making your trips easier and more comfortable overall.

    Additional Benefits

    • Enjoy a fee waiver on all foreign currency transactions made in RMB.
    • Get a 30% discount on remittance fees to Mainland China upon showing your card to a BOC branch.
    • This card is accepted at more than 24 million merchant outlets and 210,000 ATMs in China.
    • Visit our dedicated BOC credit cards promotions page for a list of offers and their expiry dates.

    Earning Rewards

    • Earn 2x points on eligible overseas transactions under the BOC Rewards Programme.
    • Earn 1 bonus point per S$1 spent on local transactions.
    • Bonus points earned can be exchanged for KrisFlyer miles. 30,000 bonus points will give you 10,000 miles. Miles can be redeemed in blocks of 10,000.

    Calculate Rewards Points from BOC Dual Currency Diamond Card

    Let’s say, you visited Malaysia last month and spent S$2,500 using your card. The table below shows the number of bonus points you earned for each category:

    Spend categories Spend Points earned
    Dining S$1,000 2,000
    Entertainment S$700 1,400
    Other retail spends S$200 400
    Total S$2,500 Points earned: 3,800

    Redeeming your Earned Rewards

    • Exchange bonus points earned for BOC Rewards Vouchers. You can do it by doing any one of the following:
      • Logging onto the bank’s webpage.
      • Calling their 24-hour hotline.
    • Under the BOC Rewards Programme, bonus points that can be exchanged for:
      • Air miles.
      • Cash rebates.
      • Dining vouchers.
      • Retail and leisure deals.
      • Special offers on shopping.

    BOC Dual Currency Diamond Card Interest Rates

    Type of Interest Charge
    Retail purchases 28.88% p.a.
    Cash advance 28.88% p.a. on the withdrawn amount
    Instalment payment plan 0%

    Note: The above rates are applicable as of 10 April 2018

    BOC Dual Currency Diamond Card Fee and Charges

    Type of Interest Charge
    Annual fee S$190 (waived for 2 years)
    Overseas transaction fee 1.5% of the transaction amount
    Late payment fee 5% of the monthly minimum sum (minimum S$100)
    Cash advance fee S$20 or 6% of the withdrawn amount, whichever is more
    Monthly repayment S$50 or 3% of the outstanding balance, whichever is more
    Supplementary card fee S$75 (waived for the first 2 years)

    Activating the Card for Overseas Expenses

    You’ll have to activate the magnetic stripe of your card if you want to use it for overseas retail transactions. Follow any one of the steps mentioned below to activate the feature:

    • Call the bank’s 24/7 customer service hotline.
    • Press the number ‘3’ for credit card enquiries.
    • Type your 16-digit credit card number.
    • Press ‘3’ again to activate your card overseas.
    • Select ‘1’ to choose your card activation duration.

    Please note – Follow the same steps to deactivate your card once you’re back in Singapore.

    Instalment Payment Plans Available

    • Convert your big-ticket card purchases into affordable monthly instalments with BOC’s interest-free instalment payment plan (IPP).
    • Choose from 6-, 12-, 24-, and 36-month tenures.
    • Purchase value can’t be less than S$500 if you want to opt in for this plan.
    • A tenure once selected can’t be changed.
    • A fee of S$150 will be charged for early repayment/termination.

    Cash Withdrawal on the Credit Card

    • Based on the credit limit available on your card, withdraw cash in case of emergencies.
    • In Singapore, you can withdraw cash through one of the following channels:
      • Internet banking
      • Mobile banking
      • BOC ATMs
      • Bank branches
      • 24-hour hotline.
    • Outside Singapore, use your card to withdraw cash through any Cirrus/PLUS ATM.

    Eligibility Criteria

    Visit our dedicated BOC credit cards main page to check your eligibility.

    Lost/Stolen Cards

    • Inform the bank immediately after the incident by:
      • Calling the customer service helpline of the bank.
      • Writing a letter to the bank.
    • File a police report and submit a copy of the same to the bank, whenever asked for.
    • If it is established by the bank that you weren’t responsible for the loss/misuse of the card, your liability won’t exceed S$100. The bank may even waive it off based on its discretion.

    Credit cards are categorised under different sections such as travel cards, cashback cards, etc., and under each category there are multiple cards. Find out more about credit cards, through our website.

    Credit Card Tips


    BOC Chinese Scholars & Students Association Platinum Elite Card BOC Chinese Scholars & Students Association Platinum Elite Card
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    Citi Prestige Card Citi Prestige Card
    Annual Fee: S$535.00 Who Is It For: Spend overseas & travel more What You Get: S$1 spent = 5 Citi Dollars
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    HSBC's Revolution Credit Card HSBC's Revolution Credit Card
    Annual Fee: S$160.50 (2-year waiver) Who Is It For: Who shop online & dine often What You Get: 5x Rewards points
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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Schedule Bill Payment or GIRO

    BOC's feature called the Schedule Bill Payment Management allows you to choose the amount you wish to deduct for payment of your bills every month through GIRO.

    How to Apply for the Card & Check the Application Status

    Download Form and Submit to Bank and Follow Up

    • Fill in the credit card application form, attach the necessary documents and mail it to BOC.
    • BOC takes around 14 business days to process a request.
    • If you want to know the status of your application, you can call the bank’s hotline number.

    How to Check Balance

    Internet Banking or Mobile Banking

    You can check your balance using the internet banking facility or the mobile application of BOC.

    How Can the Bill Be Paid?

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

    The following payment methods are available with the bank:

    • Internet banking
    • Cheque
    • Money order
    • Cash payments at BOC’s main/sub branches in Singapore
    • AXS machine
    • Interbank GIRO
    • Telephone Banking

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

    3% of the Statement Balance or Min S$50

    • You must pay at least 3% of the amount that is due, subject to at least S$50.
    • Additionally, you need to pay the dues from previous statements, if any.

    What Is the Grace Period?

    23 Days

    The interest-free period is 23 days from the generation of the statement, provided you do not have pending dues.

    How to Block or Unblock the Card?

    Blocking or unblocking can be done by calling up the hotline number of BOC.

    How to Reset the PIN?


    Use the tele-banking service to reset the PIN of your credit card.

    What Is the Billing Cycle and the Bill Due Date?

    1 Month

    The generation of bills between two subsequent months is considered as the billing cycle. The due date by which you must pay the amount is mentioned on your bill.

    How to Get a Replacement Card?

    If you lose the card, you must inform the bank at the earliest. The bank may, at its discretion and according to its terms and conditions provide you with another card.

    How to Temporarily Increase the Limit of the Card

    • All requests for credit limit increase are evaluated on individual basis.
    • Your credit limit can be increased to a maximum of 2 times your monthly income. This limit includes all your BOC principal and supplementary credit cards.
    • To increase the limit temporarily, you must contact the bank.
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