Best Bank of China Credit Cards in Hong Kong

Updated October 2019

Choosing a credit card that best fits you is overwhelming, but MoneySmart.hk will help you pick out a good Bank of China credit card to complement your spending habits.

Popular Bank of China Credit Cards

BOC Hong Kong Airlines Visa Platinum Card

HK$150,000

Min. Annual Salary

N.A.

Cash back on local spend

HK$6 = 1 mile

Miles Conversion (local spend)

Key Features

  • First 2 years annual fee waiver
  • Auto conversion to FWC points without handling fee
  • Complimentary access to Hong Kong Airlines Lounges

Annual Interest Rate and Fees

Annual Interest Rate35.70%
Principle Annual FeeHK$1,600
Supplementary Annual Fee800
Fee WaiverN/A
Minimum Monthly RepaymentHK$230 or 1% of statement balance (whichever is higher)
Interest Free Period

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$0

Other

Card AssociationVisa
Wireless PaymentVisa PayWave
BOC SOGO Visa Signature Card

HK$300,000

Min. Annual Salary

5%

Cash back on local spend

HK$8 = 1 mile

Miles Conversion (local spend)

Key Features

  • Enjoy 5% cash rebate throughout the year for shopping at SOGO Hong Kong
  • Instant 5% cash discount at SOGO FRESHMART each Monday
  • Perpetual annual fee waiver

Annual Interest Rate and Fees

Annual Interest RateN/A
Principle Annual FeeHK$2,000
Supplementary Annual Fee1000
Fee WaiverYes
Minimum Monthly RepaymentHK$230 or 1% of statement balance (whichever is higher)
Interest Free Period

Minimum Income Requirements

Local ResidentHK$300,000
ForeignerHK$0

Other

Card AssociationVisa
Wireless PaymentVisa PayWave
BOC Dual Currency Diamond Card

HK$200,000

Min. Annual Salary

4%

Cash back on local spend

HK$8 = 1 mile

Miles Conversion (local spend)

Key Features

  • Travel seamlessly around the Greater Bay Area
  • 4% cash rebate for UnionPay QuickPass transactions
  • Perpetual annual fee waiver for main and supplementary card holders
  • No foreign transaction fee

Annual Interest Rate and Fees

Annual Interest Rate36.70%
Principle Annual FeeHK$3,800
Supplementary Annual Fee1900
Fee WaiverN/A
Minimum Monthly RepaymentHK$230 or 1% of statement balance (whichever is higher)
Interest Free Period

Minimum Income Requirements

Local ResidentHK$200,000
ForeignerHK$0

Other

Card AssociationUnionPay
Wireless PaymentBoC Pay
Bank of China CUP Dual Currency Platinum Card

HK$150,000

Min. Annual Salary

N.A.

Cash back on local spend

N.A.

Miles Conversion (local spend)

Key Features

  • Foreign currency transaction fee = No fee
  • Cashback on overseas spending = 0.50%
  • Air Miles (Overseas) = 15 / Mile
  • Premium airport lounge service, airport limousine transfer, UnionPay travel assistance

Annual Interest Rate and Fees

Annual Interest Rate35.70%
Principle Annual FeeHK$1,600
Supplementary Annual FeeN/A
Fee WaiverN/A
Minimum Monthly Repayment1% of monthly payment + fees
Interest Free PeriodUp to 56 days

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$150,000

Other

Card AssociationUnionPay
Wireless PaymentN/A
BOC i-card

$150,000

Min. Annual Salary

0.4%

Cash back on local spend

$15 = 1 mile

Miles Conversion (local spend)

Key Features

  • Minimum annual salary= HK$150,000
  • Perpetual annual fee waiver for the main and the additional cardholders
  • Spend with your BOC i-card at designated merchants to enjoy by redeeming HK$1 instant cash discount with every 250 Gift Points
  • 10X Gift Points for Online Purchase
  • 10X Gift Points for the spending in any retail transactions through contactless or mobile payment (including Apply Pay/ Google Pay/ Samsung Pay/ WeChat Pay)

Annual Interest Rate and Fees

Annual Interest Rate35.70%
Principle Annual FeeHK$1,600
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly Repayment1% of monthly balance + fees
Interest Free PeriodUp to 56 days

Minimum Income Requirements

Local ResidentHK$150,000
ForeignerHK$150,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass
All results loaded

Best Bank of China (BOC) Credit Cards in Hong Kong 2019

Credit CardMinimum SalaryBenefits
BOC i-cardHK$150,00010X Gift Points for Online Purchases
BOC Dual Currency Diamond CardHK$200,000Up to 4% cash rebate for UnionPay QuickPass transactions
BOC Travel Rewards Visa Signature CardHK$300,0008% cash rebate on overseas transactions
BOC Visa Infinite CardBy invitation only6X Gift Points for dining and overseas spending
BOC Visa Platinum CardHK$150,000Earn HK$1= 1 Gift Point to redeem cash rebate and air miles

BOC Credit Card Promotions

Purchase with BOC Credit Card at over 2,600 merchant outlets for dining, fashion, health, beauty and leisure to enjoy year-round special offers such as 12% off regular-priced jewellery items at 3D-GOLD Jewellery. Credit Cardholders may enjoy year-round interest-free instalment offers from some participating merchants. Cardholders can also benefit from the time-limited gift point multipliers promotion to earn the most rewards.

BOC Credit Card offers an array of exquisite dining promotion throughout the year from hotel dining to international cuisine. Hot deals include 30% off semi-lunch buffet at Harbour Plaza 8 Degrees, 10% off dinner buffet at Auberge Discovery Bay Hong Kong and 10% off à la carte menu at ALTO Bar & Grill, etc.

BOC Credit Card Rewards

Bank of China (BOC) Credit Cards offer Cardholders Gift Points (HK$1= 1 Gift Point) for eligible purchases, which include everyday purchases, cash before card service, autopay or Octopus Automatic Add Value Service. BOC offers the flexibility to accumulate and combine the Gift Points generated by other BOC credit cards to redeem different rewards according to Cardholders' preferences which include cash rebate, cash coupons, instant cash discount at selected merchants or mileage of "Asia Miles", "Phoenix Miles", "Eastern Miles Point" and "Sky Pearl Club" via the BOC Credit Card Superior Travel Awards Program.

Bank of China Instant Rewards

With an eligible BOC Credit card, Cardmembers can offset spending at selected merchants namely Aeon Style, SOGO, Wing On Travel, etc with your Gift Points by redeeming HK$1 instant cash discount with every 250 Gift Points.

Gift Point Redemption

Cardholders may redeem cash coupons, cash rebates or annual fee waiver online. With 25,000 Gift Points, Cardmembers can enjoy HK$250 cash rebate or a cash coupon (valued at HK$100) from selected merchants such as city'super, FORTRESS, SOGO, Watsons and SASA. Moreover, BOC credit card rewards loyalty. Cardholders are entitled to enjoy up to 40% bonus discount rates based on the year(s) of cardholding with as low as 15,000 Gift Points for redemption.

How to apply for BOC credit card

Eligibility Criteria

  • Age requirement: 18 years old+
  • Residential status: Hong Kong resident 
  • Annual income requirement: different cards specify a specific income requirement. This information is readily available on MoneySmart/ BOC website.

Documents Required

  • Identity proof: HKID copy/ valid passport 
  • Income Proof: payslip/ bank statements/ passbook records 
  • Address Proof: utility bill/ bank/ credit card statement or letter issued by a bank within the past 3 months

Application Process

  1. Submit an online application form
  2. Then submit supporting documents online 
  3. Once the application and supporting documents are received, BOC will process the application
  4. If successful, the new credit card will be sent to you by mail

Bank of China Credit Card Fees

Besides annual fee, it is also worth noting that there are other credit card fees including late charges, foreign currency transactions fee, over-limit handling fee and returned cheque & rejected autopay charges etc.

#1

Credit Card Minimum Payment

The minimum payment is HK$230/ CNY230. If the minimum payment is not received by the relevant due date twice for 12 consecutive statements, the overdue interest rate will be charged at an additional 4% on top of the basic interest rate, i.e a maximum of 38.62% Annualised Percentage Rate (APR) for Retail Spending and 41.12% for Cash Advance.

#2

Interest Rate

Maximum is 35.7% for retail spending and 37.96 % for cash advance at the time when the account is set up and is subject to review from time to time.

#3

Late Charge

5% of the minimum payment amount and the cap is HK$280/ CNY 280.

BOC credit card hotline

You can call the 24-hour credit card hotline at (852)2853 8828. Please follow this shortcut key 3 ># >3 > 0> * to speak to a customer service representative. If you would like to request an annual fee waiver, please enter 3>#>3> 0>* or 3 to report credit card loss.

Frequently Asked Questions

How long will my Bank of China credit card take to get approved?

If you have filled out the application form correctly and submit all the documents required, it usually takes 2-3 weeks for the bank to approve your application.

Can you Pay Taxes with a Bank of China credit card?

Yes. You can settle your tax bills by BOC online banking, Jet Payment or fax/ mail.

Can you Apply for an Annual Fee Waiver for your BOC Credit Card?

Yes, you can call BOC customer hotline at 2853 8828 using shortcut key 3 ># > 4 > 2 to apply for an annual fee waiver.

How to check airport lounge access on BOC credit card?

You can access such information online on BOC website or you can call the 24-hour credit card hotline at (852)2853 8828 and enter this shortcut key 3>#>3 > 0> * to speak to a customer service representative to ask for more information about lounge access.

How do I activate my BOC credit card?

You can either activate your BOC credit card online or call BOC 24-Hour card activation hotline at (852) 2104 9222.