^HK$200,000

Min. Annual Salary

4%

Cash back on local spend

HK$8 = 1 mile

Miles Conversion (local spend)

All Details

• Key Features

  • Enjoy handcrafted beverage offers in mainland Starbucks

  • Access to LoungeKey Airport Lounge for 3 times for accumulating spending of HK$12,000 or more for two consecutive months

  • Enjoy 4% cash rebate from contactless payment transactions

  • Every RMB￥1 / HK$1 spending = 1 point, which can be redeemed for cash rebate, shopping or miles

UnionPay

• Global cash withdrawal service at over 1.6m ATMs

• Accepted in 162 countries and regions

• Enjoy Personal Concierge Service, taking care of your travel, entertainment, and shopping needs

• Enjoy 3 free access to LoungeKey airport lounges after accumulating designated amount

Air Miles

• Through the BOC Credit Card Superior Travel Awards Program, redeem Asia Miles, Air China, China Eastern Airlines and China Southern Airlines air miles with gift points

• Auto-transfer and Octopus AAVS can also earn gift points

• Get RMB￥1/ HK$1 spending = 1 point

• Mileage conversion is as low as HK$8 = 1 mile

Overseas Spending

• No foreign transaction fee

• Enjoy flexibility for dual currencies

• Airport limo transfer in Hong Kong, Shanghai, Beijing and Cross border to Shenzhen Airport

• Enjoy QR Code Payment with BoC Pay

Cash Back

• With UnionPay Mobile QuickPass transaction/ Mobile Payment transaction, enjoy 4% Cash Rebate

• 4% Cash Rebate is appliable to transactions in Hong Kong, Mainland China, and overseas

• Earn up to HK$100 rebate in the 4% Cash Rebate scheme

• Every RMB￥1 / HK$1 spending = 1 point

• Earn points from retail spending, cash before card service, autopay or Octopus AAVS

• 250 points = HK$1 cash rebate

Best Credit Cards

• 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 Principal Fee	HK$3,800
Supplementary Annual Fee	HK$1,900
Fee Waiver	N/A
Annual Interest Rate	36.70%
Late Payment Fees	5% of minimum repayment (min. HK$230, max. HK$280)
Minimum Monthly Repayment	HK$230 or 1% of statement balance (whichever is higher)
Foreign Currency Transaction Fee	N/A
Foreign Check Fee	N/A
Cash Advance Transaction Fee	4% of each transaction + HK$20 (min. HK$100)
Overlimit Fee	HK$180

Minimum Income Requirements

Local Resident	HK$200,000

Card Association

UnionPay