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  • Credit Card BYTES FROM OUR KITCHEN

    BOC Sheng Siong Card for Groceries

    The BOC Sheng Siong Card provides you with great savings on your groceries purchases.

    Card Highlights
    • Earn up to 10% cash rebate at Sheng Siong.
    • Your Grab and all other taxi rides can earn you a 5% rebate.
    • Earn 1% rebate on overseas spends.

    Best suited to:People who spend a significant part of their monthly income on groceries and other daily transactions.

    Key Features

    Features Description
    Annual Fee S$30 (waived for the first year)
    Cashback on Sheng Siong spends
    • 7% for every S$1 spent
    • 3% for every S$1 spent out-store with a minimum spend of S$400
    Cashback on overseas spends 1% for every S$1 spent
    Cashback on taxi rides in Singapore 5% for every S$1 spent with a minimum monthly bill of S$400
    Cashback on all other retail spends 0.3% for every S$1 spent
    Complimentary travel insurance N.A.

    Additional Benefits

    • Enjoy discounts on dining at some of the best hotels in Singapore as well as offers and discounts on shopping and travel.
    • Each of these promotional offers is subject to a validity period as well as terms and conditions as set by the bank, the card issuer, and the participating merchant.

    Earn Rewards and Cash Rebates

    • There is no minimum spend to earn the 7% cash rebate on your Sheng Siong spends. However, a cap of S$70 per month is applicable.
    • You earn the additional 3% cash rebate on Sheng Siong spends only if you charge a minimum of S$400 to your card on all local and overseas transactions that aren’t made at Sheng Siong within the same billing cycle The cap on this rebate is S$20 per month.
      • The cap on this rebate is S$20 per month.
    • Minimum spend of S$400 per month is required to earn 5% rebate on Grab and other taxi rides. Spends below S$400 will earn 0.3% cash rebate. Rebate is capped at S$20 per billing cycle.
    • The cash rebate that you earn will be credited to your card account in the next billing cycle.
    • The rebate amount earned will be reflected on your monthly statement. It can be used to settle any transactions that have been charged to either the principal card or the supplementary card.

    Let Us Illustrate:

    Say you have spent S$1,700 for the current month. Of this, you spent S$700 at Sheng Siong. You spent S$420 on taxi rides for the month, your overseas transactions amounted to S$300, and the remaining S$280 was spent on all other retail transactions. The rebate you earn for the month will be calculated as follows:

    Spend Categories Monthly Spend Rebate Rate Rebate Amount
    Sheng Siong spend S$700 7% S$49
    3% (minimum spend other than Sheng Siong for the additional rebate is S$400) S$20 (rebate that you can earn is capped at S$20)
    Transport S$420 5% S$20 (rebate on transport is capped at S$20)
    Overseas Transactions S$300 1% S$3
    Other retail spends S$280 0.3% S$0.84
    Total S$1,700 Rebate earned is S$92.84

    The rebate that you earn will expire within 2 years from the date of which it was first credited to your account.

    Interest Rate

    Type of Interest Charge
    Retail purchases 28.88% p.a.
    Cash advance 28.88% p.a.
    Instalment Payment Plan (IPP) 0% p.a.

    Other Fees & Charges

    Type of charge Charge
    Overseas Transaction Fee
    • BOC administrative fee: 1.5% of the transaction
    • Visa conversion fee: 1% of the transaction amount
    Late Payment Fee 5% of the minimum payment amount, with a minimum of S$100
    Cash Advance Fee 6% of the amount withdrawn or S$20, whichever is higher
    Supplementary Card Fee S$15 (waived for the first year)

    Eligibility Criteria

    Check if you meet the bank’s criteria to apply for this card easily on our website by clicking here.

    Activating the Card for Overseas Use

    Before you use your card overseas for point of sale transactions, you will need to activate the magnetic stripe on it. You can do this by calling the bank and following the instructions as relayed by the automated voice system. Once you complete these steps, your credit card can be used for overseas transactions immediately.

    To deactivate the magnetic stripe for overseas use, the same steps need to be followed. Make sure you deactivate this service as soon as you get back to Singapore from your trip abroad

    Instalment Payment Plans Available

    With BOC’s Instalment Payment Plan (IPP), convert any big-ticket purchase into affordable instalments. You can choose tenures starting from 6 months up to 36 months.

    Convert purchases made at over 300 merchant outlets in Singapore into instalments. To be eligible for BOC’s IPP, the minimum purchase amount needs to be S$500. Transactions that are paid in instalments will not earn any cash rebate.

    Also, keep in mind that if you decide to close your IPP account before the completion of its tenure, you will be charged a redemption fee of S$150 or any other amount based on the bank’s discretion.

    Lost/Stolen Cards

    If your card is lost or stolen, you need to notify BOC immediately either by calling them or by informing them in writing. You will also need to file a report with the police and provide BOC with the copy of the same along with other documents that the bank may require.

    If the bank is satisfied that you were in no way directly or indirectly responsible for the loss of your card, you will not be held liable for transactions that have been charged to your card. Your liability for any unauthorised transactions will be limited to S$100.

    Your spending patterns determine what card is best for you. To select the right card for you, you need to do detailed research on comparison websites.

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    What Else Do I Need to Know About BOC Sheng Siong Card?

    How to Enable/Disable Auto Debit & Standing Instructions?

    Through Internet Banking

    You can set up auto debit and standing instruction on your card by adding the billing organisation to whom the payment will be made. This can be done using Internet Banking.

    • The organisation provides the Bill Reference Number.
    • With this facility, you can forward the date of bill payment for up to 30 days in advance.
    • To disable the scheduled payment instruction, you must delete the instruction at least one business day prior to the due date.

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

    Through Mail/Fax and Follow Up With the Bank

    To apply for this card, the following steps will guide you:

    • Ensure that you meet the eligibility criteria in terms of age and income.
    • Download and completely fill the relevant application form.
    • Attach any relevant supporting documents as requested by the bank.
    • Submit the form and documents via mail or fax.

    Check the status about your credit card application by calling the 24/7 number for Customer Service. It usually takes about two weeks for the application to be processed.

    How to Check Balance?

    Through Internet Banking

    You can get an overview of your balance summary for all credit card accounts through:

    • Internet Banking facility
    • Apply for Tele-banking

    How Can the Bill Be Paid?

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

    Credit card bills for this card can be paid in the following ways:

    • Telephone banking
    • Inter-bank GIRO
    • AXS machine
    • Cheque or money order
    • Cash payments made at BOC’s main branch or sub-branches.

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

    3% of the Outstanding Balance or Min S$50
    • You have to make a minimum payment standing at 3% of the monthly outstanding amount or S$50, whichever is higher.
    • Any remaining due and any overdrawn amount from previous statements will be added to the minimum payment.

    What Is the Grace Period?

    23 Days

    You can enjoy an interest-free period of 23 days if there is no outstanding sum from previous billing statements. This is calculated every month, starting from the day the statement is generated.

    Can It Be Used With EZ-Link?

    Yes

    This card can be used as an EZ-Link card, and you can top it up using EZ-reload service.

    How to Block or Unblock the Card?

    Call Customer Service
    • You can block your credit card by calling the Customer Service Hotline if you’re in Singapore.
    • In case you’re overseas, you can call the overseas number dedicated for this service.

    Use the same procedure to unblock this card.

    How to Reset the PIN?

    Through Telebanking Services

    Your credit card PIN can be reset by using Telebanking services provided by Bank of China.

    What Is the Billing Cycle and the Bill Due Date?

    1 Month

    The billing cycle is calculated between two successive statement dates, and it contains detailed information about all transactions made within that period. You can find the due date for bill payment in your monthly statement.

    How to Get a Replacement Card?

    In case your credit card is lost or stolen, you must intimate the bank as soon as possible. The bank will decide upon issuing you a replacement card, at its own discretion.

    How to Temporarily Increase the Limit of the Card?

    You can contact the bank for an increase in your credit limit. The bank will assess each application request, and provide you with an increase standing at a maximum limit of two times your monthly salary.

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