BOC Chill Card

Last Updated: Nov 2023

Min. Annual Income


Local Spending - Cashback Rate

On Chill Merchants spending

Overseas Spending - Cashback Rate

5% Cash Rebate for online and mobile payment
up to 10% Cash Rebate at Chill Merchants
Perpetual Annual Fee Waiver
Annual Fee Waiver

Great for

  • Welcome Offer - HK$500 Cash Rebate for new BOC Credit Card customers

    • Accumulate spending of HK$5,000 or above within the first month and following two calendar months of card issuance can enjoy HK$500 Cash Rebate
  • Earn up to 10% Cash Rebate at selected merchants and categories

    • Chill Merchants Spending 10% Cash Rebate
    • Overseas, Online Spending & Mobile Payments 5% Cash Rebate
    • Other Eligible Spending Unlimited 0.4% Cash Rebate
  • 3-month instalment handling fee rebate for Chill Easy

    • “Chill Easy” is applicable for transaction at HK$1,000 or above. For example, for a loan amount of HK$10,000, with personalized monthly handling fee of 0.18% of loan amount and apply via e-Channel, the fee in APR is 3.29% for 3-month loan tenor. An APR is a reference rate which includes the basic fees and charges of this product expressed as an annualised rate, such as monthly handling fee and upfront administration fee (if any).
  • Snap up the「Chill Date」Movie and Concert tickets every month!

    • BOC Chill Card cardholders can grab 2 tickets to designated movie screenings / music concerts on designated Wednesday every month

Need to know

  • Welcome offer is applicable to applicants not yet holding or have not cancelled any BOC Credit Card in the past 12 months from the date of application
  • The promotional period of welcome offers are valid from now till 31 December 2023. Terms and conditions apply, please refer to and related promotion materials for details. Bank of China (Hong Kong) Limited and  BOC Credit Card (International) Limited reserves the right to change, suspend or terminate the Offer or amend the terms and conditions at its sole discretion without prior notice.
  • The cash rebate is meant exclusively for retail purchases and cannot be used for cash advances, settlement of financial charges or any previous outstanding balance accrued before the cash rebate is credited. The cash rebate cannot be converted into cash or exchanged for other gifts and is also not refundable and transferrable.

Year-round rewards

Local Spending
Overseas Spending
Online Shopping Spending (Local)


Minimum Age
18 years old
Min. Annual Income
HK$150,000 or local university student with valid student card


Annual fee
Not Available
Foreign Currency Transaction Fee


Minimum Payment
HK$230 or the summation of item (i) to (iv) (whichever is higher).
(i) total outstanding billed interest, fees and charges; (ii) any overdue minimum payment amount from previous monthly statement (where applicable); (iii) total of over-limit amount (where applicable) (excluding items (i) and (ii) above); and (iv) 1% of the remaining principal balance (excluding items from (i) to (iii) above).

Late payment charge
5% of the minimum payment amount (subject to a minimum of HK$230 or equivalent to the minimum payment amount of your last statement, whichever is lower; and a maximum of HK$280)
Retail Purchase APR
Cash Advance APR
Interest Free Repayment Period
Up to 56 days

Other information

Credit card type

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