Bank of China (BOC) Credit Cards in Singapore
Bank of China Singapore is a full-service bank with a Qualifying Full Bank License (QFB). Established in 1936, it has a strong network with several branches and self-service banking outlets.
Up to 10% cash rebates
2% cash rebate bonus on supplementary card spend
10% cash rebate on dining and movies
2% rebate on supplementary card spend
5% rebate at select merchants
Purchases Intro: 28.88%
Min Income: $30,000
Purchases Intro: 28.88%
Min Income: $30,000
Promotions
10% cash rebate on dining and movies ($25 monthly rewards cap)
Non-bonus spending on supplementary cards can earn 2% back (up to $20 monthly)
Balance Transfer
Introductory: 0% for 3 or 6 months
Ongoing: 28.88%
Ongoing: 28.88%
Cash Back
10% cash rebate on dining and movies
5% cash rebate at selected merchants
3% cash rebate for online purchases, supermarkets, telco bills, transport
Min Cashback Rate: 0.30%
Max Cashback Rate: 10%
Min Qualifying Spend: $800
Max Cashback in Month: $100
Miles/Travel
Up to 3% rebate on transport
Online Shopping
Up to 3% rebate on online shopping
Dining
Up to 10% rebate on dining
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Min Age: 21
Min Age: 21
Foreigner
Minimum Annual Income: $60,000.00
Min Age: 21
Min Age: 21
Card Essentials
Issuer: Visa
Bank: Bank of China
Type: Credit Card
Bank: Bank of China
Type: Credit Card
Rates
Purchases Introductory: 28.88%
Purchases Ongoing: 28.88%
Cash Advance: 28.88% plus $20 or 6% of amount withdrawn, whichever is higher
Interest Free Period (days): 23
Purchases Ongoing: 28.88%
Cash Advance: 28.88% plus $20 or 6% of amount withdrawn, whichever is higher
Interest Free Period (days): 23
Fee Details
Year 2: Principal Card annual fee : $203.30
Supplementary Card annual fee : $101.65
Year 3: Principal Card annual fee : $203.30 Supplementary Card annual fee : $101.65
Ongoing: Principal Card annual fee : $203.30 Supplementary Card annual fee : $101.65
Late Payment Fee: $100
Description: 5% per month of the Minimum Payment Sum, subject to a minimum of ^¥/$100 per month
Provider Fee Details
Year 3: Principal Card annual fee : $203.30 Supplementary Card annual fee : $101.65
Ongoing: Principal Card annual fee : $203.30 Supplementary Card annual fee : $101.65
Late Payment Fee: $100
Description: 5% per month of the Minimum Payment Sum, subject to a minimum of ^¥/$100 per month
Provider Fee Details
9 BOC points (or 3 miles) per $1 overseas spend
4.5 BOC points (or 1 mile) per $1 local spend
9 BOC points (or 3 miles) per $1 overseas spend
4.5 BOC points (or 1 mile) per $1 local spend
Can redeem points in 10,000 KrisFlyer or 6,000 Asia Miles increments
Purchases Intro: 28.88%
Min Income: $30,000
Purchases Intro: 28.88%
Min Income: $30,000
Promotions
9 BOC points (or 3 miles) per $1 overseas spend
4.5 BOC points (or 1 mile) per $1 local spend
Balance Transfer
Introductory: 0% for 3 or 6 months
Ongoing: 28.88%
Ongoing: 28.88%
Cash Back
9 BOC points per $1 on overseas spend
4.5 BOC points per $1 on local spend
Min Cashback Rate: 4.50%
Max Cashback Rate: 9%
Miles/Travel
Can redeem points in 10,000 KrisFlyer or 6,000 Asia Miles increments
Overseas Spending
9 BOC points per $1 on overseas spend
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Min Age: 21
Min Age: 21
Foreigner
Minimum Annual Income: $60,000.00
Min Age: 21
Min Age: 21
Card Essentials
Issuer: Mastercard
Bank: Bank of China
Type: Credit Card
Bank: Bank of China
Type: Credit Card
Rates
Purchases Introductory: 28.88%
Purchases Ongoing: 28.88%
Cash Advance: 28.88% plus $20 or 6% of amount withdrawn, whichever is higher
Interest Free Period (days): 23
Purchases Ongoing: 28.88%
Cash Advance: 28.88% plus $20 or 6% of amount withdrawn, whichever is higher
Interest Free Period (days): 23
Fee Details
Year 2: Principal Card annual fee : $203.30
Supplementary Card annual fee : $101.65
Year 3: Principal Card annual fee : $203.30 Supplementary Card annual fee : $101.65
Ongoing: Principal Card annual fee : $203.30 Supplementary Card annual fee : $101.65
Late Payment Fee: $100
Description: 5% per month of the Minimum Payment Sum, subject to a minimum of ^¥/$100 per month
Provider Fee Details
Year 3: Principal Card annual fee : $203.30 Supplementary Card annual fee : $101.65
Ongoing: Principal Card annual fee : $203.30 Supplementary Card annual fee : $101.65
Late Payment Fee: $100
Description: 5% per month of the Minimum Payment Sum, subject to a minimum of ^¥/$100 per month
Provider Fee Details
Up to 30.7% off petrol transactions
Up to 20% cash rebates on Zaobao and SPH newspaper subscriptions
Up to 30.7% savings for petrol transactions at Shell and SPC
Up to 20% cash rebates on select purchases
1-for-1 movies for regular 2D ticket purchases at all Shaw Theatres box offices in Singapore
Purchases Intro: 28.88%
Min Income: $30,000
Purchases Intro: 28.88%
Min Income: $30,000
Promotions
Up to 30.7% off petrol transactions at Shell and SPC
Charge a minimum $600 spend to earn up to 20% cash rebate on Zaobao and SPH subscriptions
Balance Transfer
Introductory: 0% for 3 or 6 months
Ongoing: 28.88%
Ongoing: 28.88%
Cash Back
Up to 20% cash rebate on select purchases
2 BOC points per $1 for overseas spend
1 BOC point per $1 for local spend
Min Cashback Rate: 1.00%
Max Cashback Rate: 20%
Min Qualifying Spend: $600
Max Cashback in Month: $80
Petrol
Up to 30.7% savings at Shell and SPC
Online Shopping
10% savings on online spend
Overseas Spending
5% cash rebate on mainland China spend
2 BOC points per $1 on overseas spend
Dining
10% cash rebate on dining
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Min Age: 21
Min Age: 21
Foreigner
Minimum Annual Income: $60,000.00
Min Age: 21
Min Age: 21
Card Essentials
Issuer: UnionPay
Bank: Bank of China
Type: Credit Card
Bank: Bank of China
Type: Credit Card
Rates
Purchases Introductory: 28.88%
Purchases Ongoing: 28.88%
Cash Advance: 28.88% plus $20 or 6% of amount withdrawn, whichever is higher
Interest Free Period (days): 23
Purchases Ongoing: 28.88%
Cash Advance: 28.88% plus $20 or 6% of amount withdrawn, whichever is higher
Interest Free Period (days): 23
Fee Details
Year 3: Principal Card annual fee : $203.30
Supplementary Card annual fee : $101.65
Ongoing: Principal Card annual fee : $203.30 Supplementary Card annual fee : $101.65
Late Payment Fee: $100
Description: 5% per month of the Minimum Payment Sum, subject to a minimum of ^¥/$100 per month
Provider Fee Details
Ongoing: Principal Card annual fee : $203.30 Supplementary Card annual fee : $101.65
Late Payment Fee: $100
Description: 5% per month of the Minimum Payment Sum, subject to a minimum of ^¥/$100 per month
Provider Fee Details
Up to 12% cash rebate at Sheng Siong
5% cash rebate on transport
Up to 12% cash rebate at Sheng Siong
5% cash rebate on transport
1% cash rebate on overseas spend
Purchases Intro: 28.88%
Min Income: $30,000
Purchases Intro: 28.88%
Min Income: $30,000
Promotions
Up to 12% cash rebate at Sheng Sion with minimum $400 out-of-store spend
5% rebate on Grab and all taxi rides in Singapore
Balance Transfer
Introductory: 0% for 3 or 6 months
Ongoing: 28.88%
Ongoing: 28.88%
Cash Back
12% cash rebate at Sheng Siong
5% cash rebate on Grab and taxis in Singapore
1% cash rebate on overseas spend
Min Cashback Rate: 0.30%
Max Cashback Rate: 12%
Min Qualifying Spend: $400
Max Qualifying Spend: $1,000
Max Cashback in Month: Sheng Siong: $90 Transport: $20
Overseas Spending
1% cash rebate on overseas spend
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Min Age: 21
Min Age: 21
Foreigner
Minimum Annual Income: $60,000.00
Min Age: 21
Min Age: 21
Card Essentials
Issuer: Visa
Bank: Bank of China
Type: Credit Card
Bank: Bank of China
Type: Credit Card
Rates
Purchases Introductory: 28.88%
Purchases Ongoing: 28.88%
Cash Advance: 28.88% plus $20 or 6% of amount withdrawn, whichever is higher
Interest Free Period (days): 23
Purchases Ongoing: 28.88%
Cash Advance: 28.88% plus $20 or 6% of amount withdrawn, whichever is higher
Interest Free Period (days): 23
Fee Details
Year 2: Principal Card annual fee : $32.10
Supplementary Card annual fee : $16.05
Year 3: Principal Card annual fee : $32.10 Supplementary Card annual fee : $16.05
Ongoing: Principal Card annual fee : $32.10 Supplementary Card annual fee : $16.05
Late Payment Fee: $100
Description: 5% per month of the Minimum Payment Sum, subject to a minimum of ^¥/$100 per month
Provider Fee Details
Year 3: Principal Card annual fee : $32.10 Supplementary Card annual fee : $16.05
Ongoing: Principal Card annual fee : $32.10 Supplementary Card annual fee : $16.05
Late Payment Fee: $100
Description: 5% per month of the Minimum Payment Sum, subject to a minimum of ^¥/$100 per month
Provider Fee Details
1% back on all purchases with minimum $1000 monthly spend
0.5% back on all monthly purchases with monthly spend $1000 and below
No longer offered in Singapore
Purchases Intro: 28.88%
Min Income: $30,000
Purchases Intro: 28.88%
Min Income: $30,000
Balance Transfer
Introductory: 0% for 3 or 6 months
Ongoing: 28.88%
Ongoing: 28.88%
Cash Back
1% cashback on all transactions with minimum $1000 monthly spend
0.5% cashback on all purchases when monthly spend is $1000 or below
Min Cashback Rate: 0.50%
Max Cashback Rate: 1.00%
Max Qualifying Spend: $8,000.00
Max Cashback in Month: $80.00
Overseas Spending
No longer offered in Singapore
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Min Age: 21
Min Age: 21
Foreigner
Minimum Annual Income: $60,000.00
Min Age: 21
Min Age: 21
Card Essentials
Issuer: Visa
Bank: Bank of China
Type: Credit Card
Bank: Bank of China
Type: Credit Card
Rates
Purchases Introductory: 28.88%
Purchases Ongoing: 28.88%
Cash Advance: 28.88% plus $20 or 6% of amount withdrawn, whichever is higher
Interest Free Period (days): 23
Purchases Ongoing: 28.88%
Cash Advance: 28.88% plus $20 or 6% of amount withdrawn, whichever is higher
Interest Free Period (days): 23
Fee Details
Year 3: $150.00
Ongoing: $150.00
Late Payment Fee: $100
Description: 5% per month of the Minimum Payment Sum, subject to a minimum of ^¥/$100 per month
Provider Fee Details
Ongoing: $150.00
Late Payment Fee: $100
Description: 5% per month of the Minimum Payment Sum, subject to a minimum of ^¥/$100 per month
Provider Fee Details
Waiver of 1.5% currency exchange fees on all overseas transactions
1% cash rebate on all purchases made in Singapore
Waiver of 1.5% currency exchange fees on all overseas transactions
1% cash rebate on all purchases made in Singapore
2 complimentary access per year at participating Plaza Premium Lounge worldwide
Purchases Intro: 28.88%
Fee Year 1: Principal Card annual fee : $374.50
Supplementary Card annual fee : $187.25
Min Income: $120,000
Purchases Intro: 28.88%
Fee Year 1: Principal Card annual fee : $374.50
Supplementary Card annual fee : $187.25
Min Income: $120,000
Promotions
Card transactions in foreign currencies other than US dollars will be converted into
US dollars before being converted into Singapore dollars
1% cash rebate for card transactions (including
online transactions) made in Singapore dollars
Balance Transfer
Introductory: 0% for 3 or 6 months
Ongoing: 28.88%
Ongoing: 28.88%
Cash Back
1% cash rebate on local spend
Min Cashback Rate: 0.00%
Max Cashback Rate: 1%
Miles/Travel
Two one-time Plaza Premium passes each year
Overseas Spending
1.5 currency conversion fee waived
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $120,000
Min Age: 21
Min Age: 21
Foreigner
Minimum Annual Income: $120,000.00
Min Age: 21
Min Age: 21
Card Essentials
Issuer: Visa
Bank: Bank of China
Type: Credit Card
Bank: Bank of China
Type: Credit Card
Rates
Purchases Introductory: 28.88%
Purchases Ongoing: 28.88%
Cash Advance: 28.88% plus $20 or 6% of amount withdrawn, whichever is higher
Interest Free Period (days): 23
Purchases Ongoing: 28.88%
Cash Advance: 28.88% plus $20 or 6% of amount withdrawn, whichever is higher
Interest Free Period (days): 23
Fee Details
Year 1: Principal Card annual fee : $374.50
Supplementary Card annual fee : $187.25
Year 2: Principal Card annual fee : $374.50 Supplementary Card annual fee : $187.25
Year 3: Principal Card annual fee : $374.50 Supplementary Card annual fee : $187.25
Ongoing: Principal Card annual fee : $374.50 Supplementary Card annual fee : $187.25
Late Payment Fee: $100
Description: 5% per month of the Minimum Payment Sum, subject to a minimum of ^¥/$100 per month
Provider Fee Details
Year 2: Principal Card annual fee : $374.50 Supplementary Card annual fee : $187.25
Year 3: Principal Card annual fee : $374.50 Supplementary Card annual fee : $187.25
Ongoing: Principal Card annual fee : $374.50 Supplementary Card annual fee : $187.25
Late Payment Fee: $100
Description: 5% per month of the Minimum Payment Sum, subject to a minimum of ^¥/$100 per month
Provider Fee Details
$100 Qoo10 coupon pack upon card approval
Up to 20% rebate on public transport rides
Up to 20% rebates on transport
Up to 10% rebates on Qoo10 purchases
Earn rebate in the form of Qmoney
Purchases Intro: 28.88%
Min Income: $30,000
Purchases Intro: 28.88%
Min Income: $30,000
Promotions
Receive 6 Qcoupons with a total value of $100
Up to 20% rebate on SBS/SMRT buses and MRT
Balance Transfer
Introductory: 0% for 3 or 6 months
Ongoing: 28.88%
Ongoing: 28.88%
Cash Back
20% rebate on transport
10% rebate on Qoo10 purchases
5% rebate on dining, entertainment, movies, online and overseas spend
Min Cashback Rate: 0.30%
Max Cashback Rate: 20%
Min Qualifying Spend: $200
Max Cashback in Month: $40 for Qoo10 spend and $40 for all remaining spend
Miles/Travel
Up to 20% rebate on public transport purchases
Online Shopping
Up to 5% rebate on online purchases
Overseas Spending
Up to 5% rebate on overseas spend
Dining
Up to 5% rebate on dining
Eligibility Criteria
Citizen/Permanent Resident
Minimum Annual Income: $30,000
Min Age: 21
Min Age: 21
Foreigner
Minimum Annual Income: $60,000.00
Min Age: 21
Min Age: 21
Card Essentials
Issuer: Mastercard
Bank: Bank of China
Type: Credit Card
Bank: Bank of China
Type: Credit Card
Rates
Purchases Introductory: 28.88%
Purchases Ongoing: 28.88%
Cash Advance: 28.88% plus $20 or 6% of amount withdrawn, whichever is higher
Interest Free Period (days): 23
Purchases Ongoing: 28.88%
Cash Advance: 28.88% plus $20 or 6% of amount withdrawn, whichever is higher
Interest Free Period (days): 23
Fee Details
Year 2: Principal Card annual fee : $190
Supplementary Card annual fee : $95
Year 3: Principal Card annual fee : $190 Supplementary Card annual fee : $95
Ongoing: Principal Card annual fee : $190 Supplementary Card annual fee : $95
Late Payment Fee: $100
Description: 5% per month of the Minimum Payment Sum, subject to a minimum of ^¥/$100 per month
Provider Fee Details
Year 3: Principal Card annual fee : $190 Supplementary Card annual fee : $95
Ongoing: Principal Card annual fee : $190 Supplementary Card annual fee : $95
Late Payment Fee: $100
Description: 5% per month of the Minimum Payment Sum, subject to a minimum of ^¥/$100 per month
Provider Fee Details
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