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    BOC Qoo10 Platinum MasterCard for Students

    The BOC Qoo10 Platinum Mastercard is meant for students (no income requirement), and for working adults who are at least 21 years old or more earning a minimum of S$18,000 p.a. and less than S$30,000 p.a. It rewards you with a 10% rebate when you use it to pay for your public transportation expenses such as MRT and bus fares. It also gives you 3% rebates when you purchase from Qoo10 and on other categories such as taxi rides, entertainment spends, online shopping, dining, and even on overseas spends. Every other transaction not already covered is eligible to get a rebate rate of 0.3%. To get these rates of rebates, you need to spend at least S$200 every month. The total amount you can accumulate in the form of rebates is capped at S$30 every month.

    Key Features

    Features Description
    Rebate on public transport 10%
    Rebate on Qoo10 spends 3%
    Rebate on categories such as cab rides, entertainment, dining, online shopping and overseas shopping 3%
    Rebate on all other spends 0.3%

    With up to 10% Rebates, It’s Rewards Galore

    Every time you spend on public transport, this card gives you 10% rebates. The next time you dine out with your friends or family, charging the bill to your card can earn you a 3% rebate. The same rate of rewards applies to expenditures relating to taxi rides (including Grab spends), entertainment spends at clubs, pubs, karaoke, cinemas, and more. It also applies to purchases you make when you’re overseas. All other transactions earn you a rebate of 0.3%. Keep in mind that there is a cap of S$30 on the monthly rebates you can accumulate. However, till 31 December 2018, this cap does not apply to spends related to dining. So dine out as much as you want till the calendar end of this year and enjoy unlimited rebates when you pay your food bills with this credit card.

    Joining Perk

    • Get Qcoupons worth S$100 on successful application. Only the first 2,000 successful applicants will be eligible for this welcome gift. Other terms and conditions apply.
    • Refer a friend and get S$10 in cash. The total cash rebate, per cardholder, is capped at S$100. This offer is valid for the first 3,000 successful referrals only.
    • There is no rebate cap on eligible spends under the dining category. This offer is valid till 31 December 2018.

    Additional Benefits

    • BOC offers promotions from time to time. Check our dedicated promotions page for the latest promotions.
    • Pay effortlessly for your train and bus rides with your card. Create an account on the TransitLink ABT portal and link your card to it. Simply, tap your card to make payments for your MRT and bus rides.
    • Enjoy a panoply of Mastercard privileges under travel, dining, and entertainment.
    • Get in touch with the bank for more information.

    Earn Rewards

    • Charge a minimum of S$200 to your card on eligible spends to earn rebates.
    • Rebates are offered in the form of Qmoney.
    • Up to S$30 worth of Qmoney can be earned per month through rebates on selected spend categories. Of this, up to S$20 worth of Qmoney can be earned from Qoo10 purchases and up to S$10 can be earned on all other spends every month.

    Calculate Cash Rebate from BOC Qoo10 Platinum MasterCard

    Let us assume that you have spent S$75 on public transport, S$400 on Qoo10 purchases, S$75 on selected categories such as dining, entertainment, taxi rides, overseas shopping, and online shopping, and S$50 on all other spends in a particular month.

    The following table shows the amount of rebate you have earned under each category and in total at the end of the month:

    Rebate monthly Spend Rebate Rate Rebate Amount
    Public transport S$75 10% S$7.5
    Qoo10 purchases S$400 3% S$12
    Selected categories S$75 3% S$2.25
    Other spends S$50 0.3% S$0.15
    Total S$600 S$21.9

    Redeem SMART$ Rebates

    • Rebates are offered in the form of Qmoney. Registered Qoo10 users can use this for making payments on purchases from Qoo10.
    • The Qmoney earned will be reflected under your registered Qoo10 account.
    • Every item purchased is worth a certain number of Qmoney points. If you choose to pay through this mode, Qmoney will be deducted from your account for making the purchase.

    BOC Qoo10 Platinum MasterCard Interest Rate

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

    BOC Qoo10 Platinum MasterCard Fees & Charges

    Type of charge Charge
    Annual fee S$30
    Overseas transaction fee 1.5% as administrative fee and an additional 1% by Mastercard
    Late payment fee 5% of the outstanding balance or S$100, whichever is higher
    Over limit fee S$40
    Cash advance fee 6% of the amount withdrawn or S$20, whichever is higher

    Activating the Card for Overseas Use

    • Activate your card before making an overseas trip. This will be needed for withdrawing money and for making retail transactions.
    • Most retailers use magnetic-strip compliant payment terminals overseas. Without activating your EMV card, you won’t be able to use it at retail stores. Your EMV card can, however, be used for online transactions even without overseas activation.
    • Your card can be used immediately after a successful activation.
    • Call the dedicated 24x7 helpline to activate your card for overseas use.
    • De-activate your card after returning to Singapore. You can also set your activation expiry date at the time of card activation. The magnetic stripe will be deactivated automatically on the date of expiry.

    Instalment Payment Plans

    • Purchase big-ticket items conveniently with the bank’s 0% Interest Instalment Payment Plan (IPP).
    • Instead of paying the full value of the item upfront, you can spread the payment over 6 months, 12 months, 24 months, or 36 months. This stretches your dollars at no extra cost.
    • This plan can be used at more than 322 merchants across Singapore.
    • The plan can be activated only if the price of the item bought is S$500 or more.
    • The purchase value will be deducted from the credit limited available from your card initially. It will be progressively restored with successful instalment payments.
    • The tenure, once locked, can’t be changed.
    • On prepayment, a redemption fee of S$150 will be levied.
    • If the plan is terminated by you prematurely or the bank terminates your card account or the plan, the full outstanding balance becomes immediately payable.

    Cash Withdrawal on UOB Delight Card

    • Your card can be used to withdraw cash through multiple modes.
    • The amount of cash you can withdraw will depend on the credit limit available on your card.
    • A cash advance fee will be imposed if you use your card to withdraw cash.


    To check your eligibility for this card, click here.

    Lost/Stolen Cards

    • Inform the bank of the incident as soon as you discover the incident.
    • File a police report and provide a copy of the same to the bank, if asked for.
    • Make a statutory declaration if asked for.
    • Liability for loss, misuse or theft of card will be limited to S$100, provided:
      • You weren’t directly or indirectly involved in a fraudulent act that led to the incident.
      • You weren’t proven to be grossly negligent in handling of your card.
      • You cooperated with the bank through its investigation into the matter.
    • You may have to pay other fees as determined by the bank.
    • The bank may waive off these charges at its sole discretion.
    If you’re still unsure whether a card tentatively selected is the right one or not, you can start by looking for the best credit card that match your spend pattern and maximise your returns.
    Credit Card Tips


    UOB Delight Card UOB One Card
    Annual Fee: S$192.60 (1-year waiver) Who Is It For: Who use card often for petrol What You Get: Up to 24% savings on petrol
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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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    Maybank Evibes Card Maybank eVibes Card
    Annual Fee:Free Who Is It For: Tertiary students What You Get: 1% rebate on all purchases
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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Internet Banking

    Use your internet banking account to set up auto debit for payment of card bills and enjoy the following:

    • Reliable and hassle-free payment.
    • Make an immediate payment.
    • Schedule a future payment, up to 30 days before the due date.
    • Instructions for a scheduled payment can be withdrawn up to a day before the due payment.
    • Ensure that your scheduled payment is made at least 3 days before the bill due date.
    • Set up standing instructions in the following manner:

      • Use the billing reference number to set up the instruction.
      • The billing organisation has to be added to the list of payees. It is a one-time process.

    How to Apply for the Card and Check the Application Status?

    Download/Fill/Mail Form and Contact Bank

    In order to apply for this card, do the following:

    • Download the form from the bank’s website.
    • Fill up the form.
    • Send it to the bank along with the relevant supporting documents.

    Call the 24x7 customer service hotline in order to check the status of your card application.

    How to Check Balance – Online Banking/Mobile App

    Check the outstanding and current balance on your card in the following ways:

    • Use your online banking account.
    • Download the BOC Mobile App and use it for checking your card balance.

    How to Check Balance

    AXS/FAST/GIRO/Online Banking/Mobile Banking/Phone Banking/Money Order/Cheque/Cash

    Use any of the following modes for settling the outstanding balance on your card:

    • AXS
    • FAST
    • Interbank GIRO
    • Mobile banking
    • Internet banking
    • Crossed cheque
    • Cash at a BOC branch in Singapore
    • Money order drawn on a bank in Singapore

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

    3% of the Outstanding Balance, Subject to a Minimum of S$50

    The minimum payment on your card will include the following components:

    • 3% of the total bill, subject to a minimum of S$50.
    • Other outstanding sums from the previous months.
    • Any unpaid amount in excess of the credit limit, if any.

    What Is the Grace Period?

    23 Days

    If you have settled your past bills in full, you’ll get an interest-free period of 23 days from the date of generation of the statement.

    Can It Be Used With EZ-Link


    With your BOC card, you can conveniently top up your EZ-Link cards. This feature is called EZ-Reload.

    How to Block or Unblock the Card?

    Contact the Customer Support Team

    For any emergency card service, contact the customer service officers of BOC. They can offer you tips, suggestions, information, and guidance.

    How to Reset the PIN

    Telephone Banking/Internet Banking/ATMs

    Reset your card PIN easily by using any one of the following modes:

    • Phone banking
    • Personal internet banking
    • ATM terminals

    What Is the Billing Cycle and the Bill Due Date?

    1 month(Appears on the Statement)
    • The billing cycle is the period between two consecutive statements. It is usually one month. It could start on any day of the month.
    • The due date is the date by which you need to settle the outstanding balance. It can fall on any day of the week.
    • The billing cycle and the bill due date can be found on your card statement.

    How to Get a Replacement Card?

    Get in Touch With the Customer Service Team
    • The bank has the sole right to decide when, how, and whether it wants to issue a replacement card.
    • Inform the bank immediately if your card is lost, stolen, or misused.
    • Call the customer service hotline for assistance.

    How to Temporarily Increase the Credit Limit of Your Card?

    Contact the Bank
    • Call the dedicated bank hotline to request a temporary credit limit increase of your card.
    • Make a written request, along with the necessary documents, for a permanent review.
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