With 3x Bonus Points on every transaction you make overseas, this card puts you on the fast track to earn rewards at an accelerated pace. Designed to give the user a variety of benefits both in Singapore and abroad, you can make use of it to make spending a rewarding and satisfying experience. It gives you access to a number of deals and offers at a host of merchants in Singapore, Macau, Hong Kong, and China. You also get to enjoy discounts on the fees at certain golf clubs and get access to some of the best golf courses in the Asian continent. Other features such as instalment payment options with 0% interest, interest-free fund transfers, a personal line of credit offering you up to twice your monthly salary, and instant cash when you need it, this card becomes all the more alluring.
|Rewards points on overseas transactions||3 on every S$1|
|Rewards points on all other retail spends||1 on every S$1|
|Complimentary travel insurance||N.A.|
Online shopping has always been fun. The same goes for shopping when you are overseas as well. How many people do you know who go abroad and come back without having bought anything at all? If you travel out of the country a lot, carrying this card along with you can help you earn rewards that will reduce the overall cost of your shopping exploits. You get to earn points at a much faster rate of 3x when you spend on the card abroad. Accumulate these points and redeem them on the BOC Rewards Programme to get cash rebates, exciting merchandise, some of the latest gadgets, and dining vouchers. Using your credit card abroad couldn’t get much better than this, we feel.
The BOC Great Wall Platinum Card gives you access to a number of offers and deals relating to dining, travel, shopping, hotels, and entertainment. There are more than 17,000 merchants and outlets participating in this programme, and having this card will help you get the best prices, discounts, and other promotional offers. Golf is not only a great sport but is also a good way to relax and unwind on the green lawns that it requires. If this is something you fancy, you can make use of the golfing benefits this credit card offers to get access to some of the best and most popular golfing greens in Asia. You can also get discounts on the fees at specified clubs. Now pay less whenever you want to tee off a round or two.
This card is all about helping you take better care of your finances and purchases. If you’re finding it difficult to pay for your current month’s expenses, you can choose to pay for your purchases in instalments. You have the option of converting them into instalments and pay them over periods ranging from 3 to 18 months, free of interest. You can also transfer money to any of your bank accounts, credit lines, or credit cards. Using this facility, you get the cash you need for a period of 3 months or 6 months at zero interest. The card also features a personal line of credit called MoneyPlus which gives you a credit limit to the extent of 2x your monthly salary in addition to the credit you already have. At a low interest rate of 16.88% p.a., it helps you get the cash you need in case of an emergency. Another feature that gives you cash during emergencies is the “Call for Cash” option. Simply call the required phone number and you can get instant cash.
Let’s say that you charge S$1,000 to your card for one month. Of this, S$300 was spent on local transactions and S$550 on overseas transactions. S$150 was spent on eating out. The bonus points earned per category are:
|Spend Categories||Monthly Spend||Points Earned||Equivalent Miles|
|Total||S$1,000||2,100||693 (As per BOC’s redemption policy, air miles can only be redeemed in blocks of 10,000. You need 30,000 BOC Points to redeem one block of 10,000 air miles.)|
|Type of Interest||Charge|
|Retail Purchases||28.88% p.a.|
|Cash Advance||28.88% p.a.|
|Instalment Payment Plan||0% p.a.|
Note: The interest rates in the table above are effective starting from 10 April 2018.
|Type of Charge||Charge|
|Annual Fee||S$150 (waived for the first 2 years)|
|Overseas Transaction Fee||
|Late Payment Fee||5% of the minimum amount payable, with a minimum of S$100|
|Cash Advance Fee||6% of the amount withdrawn with a minimum of S$20, whichever is higher|
|Supplementary Card Fee||S$75 (annual fee waived for the first 2 years)|
You’re advised to deactivate the card as soon as you return to Singapore.
In order to become eligible for this card, you will have to fulfil certain criteria. Read more about this on the eligibility page.
You will find all the latest credit card offers available on Bankbazaar’s promotions page. Most of these deals are valid only for a definite period of time and will be have several terms and conditions attached to them.
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How to Enable/Disable Auto Debit & Standing Instructions
Through Online Banking
To disable this service, click on bill payment management and edit the set date or cancel the unprocessed payment.
How to Apply for the Card & Check the Application Status
Download and Submit Form and Follow Up With the Bank
Track the status of your application by calling the 24-hour customer service hotline. The bank’s executive will check your application status and update you.
How to Check Balance
Through Online or Phone Banking
How Can the Bill Be Paid?
Through AXS/GIRO/Phone or Internet Banking/Cheque/Money Order or Cash
You can make payments in the following methods:
How Much Is the Minimum Payment to Be Made on the Card?
3% of the Outstanding Balance or Min S$50
The minimum instalment amount is 3% of the outstanding balance or S$50, whichever is more. For instance, if your outstanding balance is S$300, then the minimum instalment amounts to S$9 per month. But, you will have to pay S$50 as it is higher.
What Is the Grace Period?
The interest-free period is 23 days from the date of the statement of account.
How to Block or Unblock the Card?
Call Customer Service Hotline
To block, you must call the bank customer service hotline immediately and request to block the credit card. To unblock, you can follow the same procedure.
How to Reset the PIN?
Through Tele-Banking/BOC ATMs/Internet Banking
You can reset your PIN in the following ways:
What Is the Billing Cycle and the Bill Due Date?
The billing cycle can either be on the same calendar month or start from the date your card was approved. The bill due date is the date by which you need to make the payment in full or in partial repayment.
How to Temporarily Increase the Limit of the Card
Submit your application along with income documents to request for an increase in your credit limit. The bank will assess your application and then approve. The maximum you can increase is up to 2 times your monthly salary.