BOC Dual Currency Platinum Card

Last Updated: Apr 2022

Min. Annual Income


Local Spending - Cashback Rate

on local retail spending
(Non-direct Cashback) For local and overseas spending: 0.4% cashback

Overseas Spending - Cashback Rate

on overseas spending
Suitable for people who need to travel between Hong Kong and mainland China
Octopus Reload Rebate
Airport Lounge
Annual Fee Waiver
Utilities Wallet Rebate

Great for

  • 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.
  • Earn Gift Points while spending. You can redeem cash rebates, mileage awards and gift vouchers with Gift Points.
    • Enjoy 0.4% cash rebate when you spend with the card. (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.)
  • You can pay for the Greater Bay Area bills with the card without spending time lining up.
    • Pay various types of public service bills such as water, electricity, fuel and television fees in the Greater Bay Area by accessing Cross-border Bill Payment Service via BoC Pay/BOCHK mobile application with the card.
  • 0% Handling Fee for Overseas Spending

Year-round rewards

Local Spending
(Non-direct Cashback) For local and overseas spending: 0.4% cashback
Overseas Spending


Minimum Age
18 years old
Min. Annual Income


Annual fee


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
Cash Advance APR
Interest Free Repayment Period
56 days

Other information

Credit card type
UnionPay Platinum

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