TODO

BOC Dual Currency Diamond Card

Last Updated: Nov 2023
$
200,000

Min. Annual Income

4
%

Local Spending - Cashback Rate

Bundled mobile spending
(Non-direct Cashback) For local spending: 0.4% cashback; contactless payment transactions: 4% cashback
4
%

Overseas Spending - Cashback Rate

on overseas retail spending
(Non-direct Cashback) For overseas spending: 0.4% cashback; contactless payment transactions: 4% cashback
4% Cash Rebate for spending via BoC Pay or other mobile payment
Suitable for cross-border shoppers
Octopus Reload Rebate
Airport Lounge
Utilities Wallet Rebate
Digital Wallet Rebate
Annual Fee Waiver

Great for

  • 10% Cash Rebate for Mobile Spending as a Welcome Gift

    Requirements Welcome Gift

    New customers are required to make transactions through mobile payment within the first month and following three calendar months of card issuance

    10% Cash Rebate for Mobile Spending

    (Maximum HK$300 Cash Rebate)

  • Flexibility with one card and two currencies

    • BOC Dual Currency Diamond Card has both RMB and HKD accounts. Spending in Mainland China will be settled in RMB, while spending in Hong Kong and overseas will be settled in HKD, so you don't need to pay extra expenses for currency exchange. 
  • 4% Cash Rebate for spending via BoC Pay or other mobile payments. You can go shopping easier with more benefits.

    • 4% cash rebate for spending via BoC Pay or other mobile payments.
      (Note: Each customer (based on each card account) is entitled to a maximum of HK$100 cash rebate per month, calculated from the first day to the last day of each month. "Mobile Payment Transaction" refers to retail spending transactions made through BoC Pay, UnionPay APP, Apple Pay, Huawei Pay. The promotion period is from now until 31 December 2023. Terms and conditions apply, please visit www.bochk.com/s/a/gba_e for details)
    • Can earn 1 gift point for every HK$1/RMB1 spending (25,000 Gift Points can be redeemed HK$100 cash rebate which is equivalent to 0.4% rebate)
    • Earn Gift Points while spending. You can redeem cash rebates, mileage awards and gift vouchers with Gift Points
  • Contactless Payment Function for the Public Transport Systems Stands You in Good Stead in Getting around the Greater Bay Area Stress free

    • All gates of Guangzhou, Shenzhen, Foshan, Dongguan subway have supported the payment by card
    • All the Guangzhou, Shenzhen and selected Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen, Zhaoqing public buses have supported the payment by card
    • Note: For detailed payment methods of public transport systems or if you have any enquiries, please visit UnionPay website: www.unionpayintl.com/hk/servicesProducts/serviceEquity/En_Great_Bay_Area_Transit/
  • 0% Handling Fee for Overseas Spending
  • Perpetual Annual Fee Waiver

Need to know

  • Welcome offers are only applicable to applicants who do not hold or have not cancelled / held the principal card of BOC Credit Card and/or BOC Dual Currency Credit Card in the past 12 months.

    • Applicants who are existing main cardholders of BOC Credit Card and/or BOC Dual Currency Credit Card (Additional Card, Business Card, Commercial Card, Intown Virtual Card, BOC Great Wall International Credit Card, US Dollar Card, Credit Card issued in Macau SAR and Private Label Card are all excluded), or have cancelled the above cards or were once cardholders of the above cards in the 12 months prior to the date of application will not be entitled to the welcome offer for main cardholders upon approval of application.
  • BoC Pay SVF License Number: SVFB072
  • Reminder: To borrow or not to borrow? Borrow only if you can repay!

Year-round rewards

Local Spending
4%
(Non-direct Cashback) For local spending: 0.4% cashback; contactless payment transactions: 4% cashback
Overseas Spending
4%
(Non-direct Cashback) For overseas spending: 0.4% cashback; contactless payment transactions: 4% cashback
Octopus Top Up Spending
0.4%
Online Shopping Spending (Overseas)
0.4%
Online Shopping Spending (Local)
0.4%

Eligibility

Minimum Age
18 years old
Min. Annual Income
HK$200,000

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
5% of the minimum payment amount (subject to a minimum of HK$230 / CNY230 or equivalent to the minimum payment amount of your last statement, whichever is lower; and a maximum of HK$280 / CNY280) (where applicable for HKD or CNY account respectively)
Retail Purchase APR
35.70%
Cash Advance APR
35.31%
Interest Free Repayment Period
56 days

Other information

Credit card type
UnionPay Diamond

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