The BOC SCCCI Great Wall Affinity Card Platinum is a credit card that has been designed by BOC in collaboration with the Singapore Chinese Chamber of Commerce & Industry or SCCCI. In a bid to aid and improve travel and business growth in China, this card features 2x rewards on all transactions made overseas, access to payment networks and terminals all over the country, and special privileges when you shop at over 17,000 merchants in Singapore, Macau, Hong Kong, and Mainland China. It also offers benefits such as zero-interest instalment payments, funds transfers without interest charges, instant cash when you need it, and a personal line of credit in addition to the credit you already have. Read on to find out how these features and benefits can help you save money, and get special privileges when you travel anywhere in China.
|Bonus points on local retail purchases||1 bonus point per S$1|
|Airlines that the points can be used in||Singapore Airlines and SilkAir|
|Complimentary travel insurance||Not available|
Ever been rewarded two times over for anything? If so, you’ll probably know what we’re talking about. This card will give you 2x Bonus Points on all your spends abroad. With these double rewards, you can accumulate points at a faster rate, helping you get gadgets, dining vouchers, merchandise, and cash rebates by redeeming them on the BOC Rewards Programme. Shop overseas, get double the points, and exchange them for exciting rewards from BOC. It’s just that simple.
Read on to find out how you can make use of these features to your advantage.
This credit card is designed to give you special benefits when you shop at more than 17,000 merchants in China, Singapore, Macau, and Hong Kong. This includes merchants offering deals in various categories such as entertainment, shopping, travel, dining, and hotel bookings. The next time you’re in China, make use of these deals to get the best rates and exclusive benefits at these merchant outlets. If you’re using your card to pay for your purchases and transactions in China, you’re in luck. UnionPay is the has the widest network coverage in this country and this card allows you to pay at more than 2.4 million terminals here. You can also withdraw cash in Renminbi from more than 200,000 ATMs in the country, giving you access to cash as you travel through the length and breadth of this nation.
Are you finding it hard to pay for the purchases you made this month? Then perhaps the interest-free instalment option available on this card can help. You can convert your larger payments (minimum of S$500) into smaller ones spread out over a period of 3 to 18 months. This instalment facility does not charge you any interest either, helping you have better control over your payments and giving your greater financial flexibility. Do keep in mind that a processing fee of 2% applies to this facility. The card also features a facility that allows you to transfer money to any bank account, credit card, or credit line you have, without interest, for a period of 3 to 6 months. You also get to enjoy the instant cash facility through which you can get money right away by simply calling the specified number. Terms and conditions will, of course, apply. If you need a higher credit limit, you can make use of MoneyPlus which is a personal line of credit. Through this, you can get an additional level of credit up to two times of the salary you earn every month.
Let’s say, your monthly expenditure is S$2,500. According to the BOC Rewards Programme, you will earn 2,500 bonus points. The table below shows the number of bonus points you will earn per category:
|Spend categories||Monthly spend||Points earned|
|Other retail spends||S$200||200|
|Total||S$2,500||Points earned: 2,500|
|Type of interest||Charge|
|Retail purchases||25.88% p.a. (S$3 per day minimum)|
|Cash advance||28% p.a. on the amount withdrawn|
|Instalment payment plan||Flexi Balance - 0% from 3 to 18 months|
Effective from 10 April 2018, the interest rates on retail purchases and cash advances will be revised to:
|Type of interest||Charge|
|Retail purchases||28.88% p.a. (S$3 per day minimum)|
|Cash advance||28.88% p.a. on the amount withdrawn|
|Type of charge||Charge|
|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|
Picking a credit card in Singapore from the multiple options available is no easy task, but it can be made easier. You just have to go to the credit card comparison page on our site and decide which one to choose.
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How to Enable/Disable Auto Debit & Standing Instructions
Through Online Banking
To enable the auto debit facility on your credit card, apply for Bank of China’s Personal Online Banking facility. Once you have done this, log into your account and complete the following steps:
To disable this facility, navigate to ‘Scheduled Bill Management’ and cancel all or any of your unprocessed bill payments.
How to Apply for the Card & Check the Application Status
Through Mail/Fax and Follow Up With the Bank
Download and send the completed form and required documents to the bank through:
Check the status of your application by calling their 24-hour Customer Service Hotline. It takes around 2 weeks for new card applications to be processed.
How to Check Balance
Through Internet Banking
If you are a registered BOC internet banking user, then you can check the balance available on your credit card by just logging into your account.
How Can the Bill Be Paid?
Through GIRO/AXS/Telephone Banking/Cheque/Cash
Your bill can be paid by using any of the following modes of payment:
How Much Is the Minimum Payment to Be Made on the Card?
3% of the Outstanding Balance or Min. S$50
What Is the Grace Period?
You receive an interest-free period of 23 days.
How to Block or Unblock the Card?
Call Customer Service
If your card is missing or has been stolen, you can block your card by calling BOC’s 24-hour Customer Service Hotline.
To unblock your card, call the hotline and follow the instructions provided.
How to Reset the PIN?
Through Tele-Banking/Customer Service Hotline
If you are a registered tele-banking user, then you can reset your 6-digit PIN via this facility. If you aren’t a registered tele-banking member, then call BOC’s customer service hotline to reset your PIN.
What Is the Billing Cycle and the Bill Due Date?
You will receive your credit card statement Every month form the date of which your application was approved. If you opt for e-statements, then you will be able to view your bill 7 working days prior to your statement date.
The due date by which the minimum or the complete payment must be made will be reflected on your statement. Any payments made post this date will be charged a late fee.
How to Get a Replacement Card?
The bank, will at its discretion provide you with replacement cards if your current card expires. In case of loss or theft of your card, you will be issued with a replacement card once you call the 24-hour customer service hotline.
How to Temporarily Increase the Limit of the Card
The bank offers a permanent increase of your credit limit for up to 2x your monthly salary. However, you will be required to submit an application along with your income proof documents for the same.