BOC i-card Dual Currency Diamond Card (Virtual Card)
Last Updated: Sep 2021
$ 150,000
Min. Annual Income
0.4 %
Local Spending - Cashback Rate
on local retail spending
(Non-direct Cashback) For local spending: 0.4% cashback; mobile payment spending: 4% cashback
0.4 %
Overseas Spending - Cashback Rate
on overseas retail spending
(Non-direct Cashback) For overseas spending: 0.4% cashback; mobile payment spending: 4% cashback
4% Cash rebate on online purchase and mobile payment
Perpetual Annual Fee Waiver
Annual Fee Waiver
Airport Lounge
Digital Wallet Rebate
Utilities Wallet Rebate

Great for

  • 10% Cash Rebate for Mobile Spending / HK$500 Cash Rebate as Welcome Gift
    Requirements Welcome Gifts
    (Choose 1 from 2)
    Spend via mobile payment transactions within the first 3 months of card issuance 10% Cash Rebate for Mobile Spending
    (Up to HK$300 Cash Rebate)
    Accumulate designated spending of HK$8,000 or above within the first 2 months of card issuance, and including at least one mobile payment transaction HK$500 Cash Rebate
  • Enjoy 4% Cash Rebate on Online Purchase and Mobile Payment
    • Earn Gift Points while spending. Redeem cash rebates, mileage awards and gift vouchers with Gift Points
    • Enjoy up to 10X Gift Points (equivalent to 4% cash rebate) while shopping online. (HK$1 online spending can earn 10 Gift Points. Take 25,000 Gift Points can redeem HK$100 cash rebate as an example: HK$2,500 online spending can earn HK$100 cash rebate)
    • Enjoy up to 10X Gift Points (equivalent to 4% cash rebate) while spending with BoC Pay, UnionPay App, Apple Pay and Huawei Pay (HK$1 spending with mobile payment can earn 10 Gift Points. Take 25,000 Gift Points can redeem HK$100 cash rebate as an example: HK$2,500 mobile payment spending can earn HK$100 cash rebate)
    • Normal spending: 0.4% cash rebate (HK$/RMB1 spending with normal payment can earn 1 Gift Point. Take 25,000 Gift Points can redeem HK$100 cash rebate as an example: HK$25,000 normal payment spending can redeem HK$100 cash rebate)
  • Perpetual Annual Fee Waiver, Transparent Fees
    • No Handling Fee including Overseas Spending, Mileage Conversion, Late Payment and No Annual Fee
  • Easy Application, Instant Approval and Instant Use
    • Apply via Boc Pay, instantly process mobile payment and online purchases once card is approved and activated
  • Easily Pay via QR Code and Pay with Points using BoC Pay
    • Access cross-border bill payment service via BoC Pay to make payment of various types of public service bills.
    • Pay with Points at BoC Pay merchants and merchants accepting UnionPay QR code
  • Dual Currency in One Card for flexibility
    • BOC UnionPay Dual Currency Credit Card consists of both Renminbi (RMB) and Hong Kong Dollar (HKD) credit card accounts. Transactions conducted in the mainland will be settled in RMB while those transactions conducted in Hong Kong and overseas will be settled in HKD, enabling you to save currency conversion cost.
  • Access to Airport Limousine Transfer and Exclusive Personal Concierge Service
    • Enjoy airport limousine transfer service at HK$250 per trip (including single way local transfer service to / from Hong Kong International Airport; an offer for local transfer service in Shanghai city areas to / from Hongqiao or Pudong Airport, local transfer service in Beijing city areas to / from Beijing Capital International Airport, or cross border transfer from Hong Kong to Shenzhen airport)
    • Enjoy 3 times access to LoungeKey Airport Lounges in the mainland, Hong Kong, Macau and Taiwan after accumulating spending of HK$12,000 or above for two consecutive months with the card

Need to know

  • The promotional period of “10X Gift Points” is valid from now till 31 December 2021. The promotion period of welcome offers is valid from now till 31 December 2021.
  • Earn up to 20,000 extra Gift Points per month
    • Enjoy 10X Gift Points on mobile payment and online purchase, including the basic HK$1 = 1 Point , and extra HK$1 = 9 Points
    • Customer is entitled to maximum of 10,000 Gift Points per month on mobile payment and online purchase respectively, total 20,000 Gift Points 

Year-round rewards

Local Spending
0.4%
(Non-direct Cashback) For local spending: 0.4% cashback; mobile payment spending: 4% cashback
Overseas Spending
0.4%
(Non-direct Cashback) For overseas spending: 0.4% cashback; mobile payment spending: 4% cashback
Online Shopping Spending (Local)
4%
Online Shopping Spending (Overseas)
4%

Eligibility

Minimum Age
18 years old
Min. Annual Income
HK$150,000

Fees

Annual fee
Perpetual Annual Fee Waiver
Foreign Currency Transaction Fee
Waived

Repayment

Minimum Payment
HK$230/CNY230 (where applicable for HKD or CNY account respectively) 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
Waived
Retail Purchase APR
35.70%
Cash Advance APR
37.96%
Interest Free Repayment Period
56 days

Other information

Credit card type
UnionPay Diamond

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