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    BOC Travel Card for Travel Privileges: Yet to Get Reviews

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    BOC promises travel benefits such as rewards and access to conveniences while travelling to China and beyond. The highlights of the card are:

    • Get double the rewards on overseas spend.
    • Enjoy concierge services any time of the day.
    • Get discount on remittance fees in Mainland China.

    Best suited to: Individuals travelling frequently to China for work or for leisure.

    Key Features

    Feature Description
    Annual Fee S$190 (two-year fee waiver)
    Rewards points on local spends 1 Rewards Point per S$1
    Rewards points on overseas spends 3 Rewards Point per S$1
    Concierge/Butler Service Available
    Expedited immigration Not available
    Limousine services Not available
    Complimentary travel insurance Not available

    Additional Benefits

    • The waiver on annual fee is applicable for 2 years.
    • Get a discount of 30% on remittance fees when transferring money to China.
    • Get access to deals at over 17,000 outlets throughout Mainland China, Macau and Hong Kong for hotel, travel, shopping, dining and entertainment.

    Earning Rewards

    • Earn 2 BOC bonus points per dollar spent overseas.
    • Earn 1 bonus point per dollar on other retail spends.
    • The bonus points earned will expire at the end of 1 year. Find your points balance in your card account statement.
    • The bonus points accumulated on multiple BOC Cards (if you have more than one) can be combined and used.

    Let Us Illustrate:

    Let us assume your spend across categories for a year looks roughly like the table below. Then the points you earn, and the miles you can redeem will be (3 points = 1 mile):

    Spend categories Annual spend Points earned Equivalent Krisflyer miles
    Dining (weekends in Singapore) S$2,400 2,400 800
    Online Shopping S$2,400 2,400 800
    Grocery S$2,400 2,400 800
    Petrol S$1,200 1,200 400
    Other retail spends S$3,250 3,250 1,083.33
    Overseas spends S$2,400 4,800 1,600
    Total S$14,050 16,450 5,483.33

    Redeeming your Earned Rewards

    • The BOC Points earned can be converted into air miles or rewards vouchers.
    • Every single air miles conversion can be done for S$25 plus GST.
    • 30,000 BOC Points is equal to 10,000 KrisFlyer Air Miles.
    • The miles can be redeemed in blocks of 10,000.
    • Points can be redeemed for cash credits, too.

    How Does the Concierge/Butler Service Work?

    • Call the concierge hotline to enjoy any kind of assistance while travelling including:
      • Business lunch reservations
      • Air ticket bookings
      • Hotels reservations
      • Airport transfer
      • Emergency assistance.
    • Call the concierge hotline anytime during the day for assistance.

    Interest Rates

    Type of Interest Charge
    Retail Purchases 28.88% p.a.
    Cash Advance 28.88% p.a.
    Instalment Payment Plan 0%

    Note: These rates are applicable from 10 April 2018.

    Other Fee and Charges

    Type of charge Charge
    Overseas Transaction Fee 2.1% of the purchase amount, comprising:
    • 1.5% bank’s admin fee
    • 0.6% Unionpay cross-border fee
    Late Payment Fee 5% of the amount due, subject to at least S$100.
    Cash Advance Fee The greater amount between 6% of the amount you withdraw or S$20.
    Supplementary Card Annual Fee S$95

    Activating the Card for Overseas Expenses

    Yes, the magnetic stripe of your card has to be activated for overseas use if you want to use your card abroad for retail transactions at non-EMV terminals. Simply call BOC’s hotline number to do it.

    Instalment Payment Plans Available

    • Convert your large expenses into manageable instalments with BOC 0% Interest Instalment Payment Plan.
    • Spread the payment over 6, 12, 24 or 36 months.
    • This facility is offered by 322 partner merchants.
    • Buy something worth at least S$500, in a single charge slip, to use this plan.
    • Pay a fee of S$150 if you want to terminate the Instalment Payment Plan or prepay the amount
    • Full amount due has to be settled even in case of card termination.

    Cash Withdrawal on the Credit Card

    Money can be withdrawn from your credit card in case of emergencies depending on the credit limit available on your card. Money can be withdrawn through one of the following channels:

    • Online or mobile banking
    • Bank of China branches
    • BOC ATMs in Singapore
    • Plus/Cirrus ATMs outside Singapore
    • Customer service hotline/phone banking

    Eligibility Criteria

    To find more about the card’s eligibility criteria before applying, go to this page.

    Lost/Stolen cards

    • Call the Customer Service Hotline of BOC.
    • Inform the bank about the incident by writing a letter, if required.
    • File a report with the police and submit a copy of the same with the bank.

    Your liability for unauthorised transactions will be limited to S$100, in case:

    • You were not involved in the fraud.
    • It wasn’t established that you were grossly negligent.

    Banks and lenders offering financial products provide cards in different categories. Instead of going to each bank’s site, find the full range of cards on our website.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Through Online Banking

    Apply for BOC’s Personal Online Banking Facility to get the auto debit facility on your credit card. Log into your account and follow the process given below:

    • Choose ‘Bill Payment’ and select ‘Bill Payee Management’.
    • Select your billing organisation and give the bill reference number.
    • Enter the amount (which you wish to be auto-debited from your account on a monthly basis).

    You can also disable the auto-debit facility on your credit card by clicking on ‘Scheduled Bill Management’. Here, you can cancel your unprocessed bill payments.

    How to Apply for the Card & Check the Application Status

    Through Mail/Fax and Follow Up With the Bank

    You can apply for BOC Travel Card online.

    • Download the application form, complete it and send it via mail/fax along with the supporting documents to BOC.
    • BOC takes around 2 weeks to process credit card applications.
    • Call the same hotline to check your card application status.

    How to Check Balance

    Through Internet or Phone Banking/BOC Mobile Banking App

    In order to check your credit card balance, you can log in to your internet or phone banking account. You can also use BOC Mobile Banking App for checking your balance.

    How Can the Bill Be Paid?

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

    You must make the payment in Singapore currency through the following modes of payment:

    • Inter-bank GIRO
    • Telephone Banking
    • AXS Machine
    • Cheque
    • Money Order
    • Cash Payment (only at BOC’s main and sub-branches within Singapore)

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

    3% of the Outstanding Balance or Min S$50

    Every statement month, you are liable to pay the following:

    • A minimum of 3% of your outstanding bill amount.
    • Outstanding minimum payment sum.
    • If you exceed your credit limit, the excess amount must be paid.

    Or, you must pay S$50 (whichever is higher).

    What Is the Grace Period?

    23 Days

    You will get 23 days of interest-free period from the date of credit card statement.

    How to Block or Unblock the Card?

    Call Customer Service

    To block your card, call BOC’s 24-hour customer service hotline and request to block your credit card. You can call at the same number to block your card.

    How to Reset the PIN?

    Through Tele-Banking

    You must register for BOC’s Tele-Banking services to reset your PIN. You can call BOC’s hotline for registering for this service.

    What Is the Billing Cycle and the Bill Due Date?

    1 Month (Can Start on Any Day)

    Once your card is approved, the bill will be generated every month, and you will receive a statement. The billing cycle can either be according to the calendar month or begin from the date when your card was approved. The due date for bill payment will be given in your statement.

    How to Get a Replacement Card?

    If your card is expired, lost or stolen, BOC will provide you with a replacement card. Call BOC’s customer service hotline to get your card replaced.

    How to Temporarily Increase the Limit of the Card

    You can get your credit limit increased temporarily by your credit limit by providing the bank with a copy of your income documents. The maximum credit limit increase approved will be 2 times your monthly salary.

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