TODO
BOC i-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
Up to 4% Cash Rebate with Online Purchases and Mobile Payment Transactions
Perpetual Annual Fee Waiver
Octopus Reload Rebate
Utilities Wallet Rebate
Digital Wallet Rebate
Annual Fee Waiver

Great for

  • 10% Cash Rebate for Mobile Spending / HK$500 Cash Rebate / Interest-Free Cash Installment Loan as Welcome Gifts
    Requirements Welcome Gifts
    (Choose 1 from 3)
    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
    No spending requirement Interest-Free Cash Installment Loan up to HK$80,000
  • Up to 4% Cash Rebate with online purchases and mobile payment transactions. You can go shopping easier with more benefits.
    • Earn Gift Points while spending. You can 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 Apple Pay, Google Pay and Samsung Pay. (HK$1 spending with contactless payment or mobile payment can earn 10 Gift Points. Take 25,000 Gift Points can redeem HK$100 cash rebate as an example: HK$2,500 contactless payment or 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

Need to know

  • Welcome offers are only applicable to applicants who do not hold or have not held the principal card of BOC Credit Card and/or BOC Dual Currency Credit Card.
    • 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.
  • Each cardholder is entitled to a maximum of 10,000 extra Gift Points per month.
    • Online purchases and mobile payment transactions are entiThe “10X Gift Points” are constituted by the basic 1X Gift Point (HK$1 spending = 1 Gift Point) and extra 9X Gift Points (HK$1 spending = 9 Gift Points).
    • Each cardholder is entitled to a maximum of 10,000 extra Gift Points per month (spending cap: HK$1,111).

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%
Octopus Top Up Spending
0.4%

Eligibility

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

Fees

Foreign Currency Transaction Fee
1.95%

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
37.96%
Interest Free Repayment Period
56 days

Other information

Credit card type
Mastercard

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