Best Bank Of China Credit Cards in Singapore

SingSaver team

SingSaver team

Last updated 19 September, 2023

Every spending situation is unique. SingSaver assembles the 'Best For' list, so you can decide what’s best for you.


Which Bank of China (BOC) credit card is right for you? Here’s an overview of the key features and benefits of each card.

Bank of China may not be the first name that comes to mind for credit cards, but they’ve got quite a diverse portfolio.

Unfortunately, their website isn’t particularly well-designed, and finding important product details can be a pain. A lot of vital information gets tucked away in the terms and conditions, and many might make a snap decision that it’s just not worth the hassle.

In this post, I’m going to do the heavy lifting and share the lowdown on various Bank of China credit cards, highlighting their key features and benefits.

Table of contents


Overview: Best Bank of China credit cards in Singapore

Best BOC Credit Cards
Best for
Credit card
Key benefit 
Dining
BOC Family Card
10% cash rebate on dining
Mies chasers
BOC Elite Miles World Mastercard
2 miles per dollar spent overseas
24/7 concierge service
Groceries
BOC Sheng Siong Card
Up to 12% cash rebate at Sheng Siong
Online shopping
BOC Qoo10 Credit Cards
Up to 10% Qmoney rebate when shopping on Qoo10
 
Up to 15% Qmoney rebate for transport
Flat cashback without min. spend
BOC Visa Infinite
1.6% unlimited cashback on local spend
 
1.8% unlimited cashback on foreign spend
Petrol
BOC Zaobao Credit Card
Up to 15% on petrol
 
Up to 5% on dining and department store

Best for cashback: BOC Family Credit Card

  • Type: Cashback
  • Minimum income requirement: S$30,000 per year
  • Annual fee: S$205.20 (First year waived)

The BOC Family Card offers cash rebates on a wide variety of categories, including dining, movies, online spending, supermarkets, hospital bills and public transportation.

 
Cash Rebate
(Min. spend S$800 per billing cycle)
Cap 
(per billing cycle)
Dining and movies
10%
S$25
Family Club Merchants (e.g Best Denki, POPULAR, Unity, Watsons)
5%
S$25
Public transport
3%
S$25
Supermarkets, online purchases, hospitals
3% 
S$25
(Shared with 'Other categories')
Other categories
0.3%
S$25
(Shared with 'Supermarkets, online purchases, hospitals')

Earning 10% rebate on dining, this card offers the highest rate in its market segment. But, you must spend at least S$800 per billing cycle (on any category), thereafter capped at S$25 cashback for dining. Otherwise, it's a flat 0.3% cashback. Don't use this solely as a dining card unless you are willing to earn 10% on the first S$250 of dining, and 0.3% on the remaining S$550!

Notably, the BOC Family Card is less competitive in other categories such as public transport and supermarkets, where you could earn a much higher 8% rebate with the Maybank Family & Friends Card.

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Maybank Family & Friends Credit Card

Earn 8% cashback on five of your preferred categories with min. S$800 spend per calendar month:

  • Groceries
  • Dining & food delivery
  • Transport
  • Data communication & online TV streaming
  • Retail & pets
  • Online fashion
  • Entertainment
  • Pharmacy
  • Sports & sports apparels
  • Beauty & wellness

Cashback is capped at S$125 total per month, S$25 per category.

Enjoy 8% cashback on Malaysian Ringgit too! All other spend will earn the base 0.3% cashback rate.


Read more:

Best Dining Credit Cards in Singapore
1-for-1 Buffet Dining Promotions in Singapore
Best Credit Cards For Your Fast Food Cravings at McDonald's
Best Credit Cards For Online Food Delivery (GrabFood, foodpanda, Deliveroo, etc.)


Best for miles: BOC Elite Miles World Mastercard

  • Type: Miles
  • Minimum income requirement: S$30,000 per year
  • Annual fee: S$205.20 (First year waived)

Since June 2020, the BOC Elite Miles World Mastercard suffered a major devaluation where its miles earn rates were slashed from 1.5 mpd/3 mpd on local/overseas spend to just 1 mpd/2 mpd.

It loses the edge in a market where other miles cards offer at least 1.2 mpd/2 mpd.

 
Local Spending
Overseas Spending
AMEX Singapore Airlines KrisFlyer Ascend Credit Card
AMEX_SINGAPORE_AIRLINES_KRISFLYER_ASCEND
1.2 mpd
2 mpd
(Jun & Dec only)
Citi PremierMiles Credit Card
CITI_PREMIERMILES_MASTER (1)
1.2 mpd
2 mpd
DBS Altitude Credit Card
DBSAltitudeVisaSignatureCard-e1568109609752
1.3 mpd
2.2 mpd
OCBC 90°N Credit Card
OCBC_90N_MASTERCARD_UPDATED
1.2 mpd
2.1 mpd
UOB PRVI Miles Credit Card
uob-prvi-amex-resized-3
uob-prvi-resized-e1548402137533-2

UOB_PRVI_MASTERCARD

1.4 mpd
2.4 mpd
HSBC TravelOne Credit Card
HSBC TravelOne
1.2 mpd
2.4 mpd
Standard Chartered Journey Credit Card
SC_Card_OM_Journey_20220816-AssetA-RGB-2500px_HENRY YEO
1.2 mpd 
2 mpd

Meanwhile, its points-to-miles conversion ratios are as follows:

  • 45,000 BOC Points : 10,000 KrisFlyer Miles
  • 27,000 BOC Points : 6,000 Asia Miles

If you were curious about the mileage math, this calculates out to 4.5 BOC Bonus points per S$1 local spend (1 mpd) and 9 BOC Bonus Points per S$1 overseas spend (2 mpd). 

Moreover, the BOC Elite Miles World Mastercard doesn’t come with any airport lounge access, and charges a higher-than-average transfer fee of S$30.28. The rest of its benefits thus hinge on its World Mastercard tier rather than any that the Bank of China offers.

If you’re looking for a strong miles card, you might want to consider the above alternatives instead.


Read more:

Best Air Miles Credit Cards in Singapore
7 Common Mistakes People Make When Redeeming Miles
The Kris+ App is My Secret Travel Hack to Scoring Miles


Best for groceries: BOC Sheng Siong Credit Card

  • Type: Cashback
  • Minimum income requirement: S$30,000 per year
  • Annual fee: S$32.40

The BOC Sheng Siong co-brand card offers up to 12% cash rebates on groceries, as shown below:

 
Cash Rebate
Cap (per billing cycle)
Sheng Siong
6% rebate, no min. spend required
S$45
Overseas Spending
1.5% 
No cap
All other spend
1.5% 
No cap

It’s undoubtedly the best card to use at Sheng Siong, but if you also shop at other supermarket chains, then the Citi Cash Back Card, Maybank Family & Friends Card, and UOB EVOL Card are all options. Do note that the cashback rate on these cards is only 8%. 

Otherwise, the UOB One Card is probably the best cashback card option for grocery shopping with its (up to) 15% cash rebate on all Dairy Farm International merchants. This includes supermarkets like Cold Storage and Giant, and convenience stores like 7-Eleven.

All new-to-UOB One cardholders are entitled to 15% cash rebate with a minimum spend of S$500, S$1,000, or S$2,000 per month for three consecutive months. Meanwhile, all existing UOB cardholders will get 10% cash rebate; regardless, that's still a really high rebate, so we're not complaining. 

UOB One Credit Card

  • Shopee
  • Dairy Farm International merchants (e.g. Giant, Cold Storage, 7-Eleven, etc.)
  • Grab
  • Public transport via SimplyGo
  • UOB Travel

Enjoy further savings of up to 22.66% at SPC and Shell

 

Min. spend requirement: S$500 / S$1,000 / S$2,000 per 5 transactions each month for 3 consecutive months

UOB One Card open_in_new

Cashback Supermarket: Up to 10 %

Best for online shopping: BOC Qoo10 Credit Cards

  • Type: Cashback (technically Qmoney)
  • Minimum income requirement: World Mastercard: S$30,000 | Platinum Mastercard: None
  • Annual fee: World Mastercard: S$205.20 (First year waived) | Platinum Mastercard: S$32.40 (First year waived)

If you like shopping on Qoo10, the uniquely-designed Qoo10 co-brand cards might be an interesting one for you.

Cardholders earn Qmoney rebates from their daily spending on transport (via SimplyGo), fast food, online shopping, entertainment and overseas spending. Qmoney can then be used to offset the cost of Qoo10 purchases. 

This card comes in two varieties: a World Mastercard, and a Platinum Mastercard. The former is a ‘traditional’ credit card with a S$30,000 income requirement, and the latter is a lower-tier card intended for students, with no minimum income requirement and a maximum credit limit of S$500. 

Rebates earned are as follows:

BOC Qoo10 World Mastercard 

 
Qmoney Rebate
(Min. Spend S$400)
Cap (per billing cycle)
Qmoney Rebate
(Min. Spend S$800)
Cap (per billing cycle)
Qoo10
3%
S$30
10%
S$30
Public Transport
0.3%
S$40
 
Total cap for all 3 categories:
- Public Transport
- Transport, Fast Food, Entertainment, Online and Overseas Transactions
- All other transactions
15%
S$40
 
Total cap for all 3 categories:
- Public Transport
- Transport, Fast Food, Entertainment, Online and Overseas Transactions
- All other transactions
Transport, Fast Food, Entertainment, Online and Overseas Transactions
0.3%
3%
All other transactions
0.3%
0.3%


BOC Qoo10 Platinum Mastercard

 
Qmoney Rebate
(Min. Spend S$200)
Cap (per billing cycle)
Qoo10
3%
S$10
Public Transport
10%
S$20
 
Total cap for all 3 categories:
- Public Transport
- Transport, Fast Food, Entertainment, Online and Overseas Transactions
- All other transactions
Transport, Fast Food, Entertainment, Online and Overseas Transactions
3%
All other transactions
0.3%

This would be an excellent choice for online shopping, assuming you did most of it at Qoo10.

Otherwise, the OCBC FRANK Card earns 8% cashback on online spending (capped at S$25) provided you spend at least S$800 per month. This is probably the better option, given the rebate is awarded in cash (versus Qmoney for the Qoo10 card), and covers a much wider range of transactions instead of just Qoo10 for the Qoo10 card.

OCBC Frank Credit Card

Earn up to 10% cashback on:

  • 8% cashback on foreign currency spend
  • 8% cashback on online and mobile contactless spend
  • Extra 2% cashback on selected green merchants
  • 0.3% cashback on all other spend

Min. S$800 spend required, capped at S$100 total cashback per month (or S$25 per category)


Best for limitless cashback & travel perks: BOC Visa Infinite Credit Card

  • Type: Cashback
  • Minimum income requirement: S$120,000
  • Annual fee: S$378 (First year waived)

The BOC Visa Infinite is the bank’s highest-tier card, available only to those who earn at least S$120,000 a year. Since its revamp back in September 2022, its benefits have improved but are they comparable to other premium credit cards?

For starters, cardholders enjoy a flat 1.6% cash rebate on all eligible local purchases, 1.8% cash rebate on eligible overseas spend, and even 0.3% cash rebate on insurance and education fees – with no minimum spend or cashback cap involved. These cash rebate perks are similar to those offered by unlimited cashback cards

Furthermore, this card promotes sustainability (similar to the OCBC Frank and DBS Live Fresh) where you'll earn 1.8% cash rebate on selected green merchants.

There are also four free Plaza Premium lounge visits a year and 24-hour lifestyle concierge, but this pales in comparison to the unlimited lounge visits offered by Citi Prestige, OCBC Voyage, and AMEX Platinum Charge Card. 

Unlimited airport lounge access

  • Citi Prestige Card: Unlimited Priority Pass lounge visits + 1 guest
  • OCBC Voyage Card: Unlimited Plaza Premium lounge visits
  • AMEX Platinum Charge Card: Unlimited visits to Priority Pass lounges, International AMEX lounges, The Centurion®️ Lounges, Delta SkyClub®️, and Plaza Premium lounges for principal cardholders, supplementary cardholders and 1 guest each

Citi Prestige Card open_in_new

Airport Lounge Access: Unlimited Priority Pass visits

OCBC Voyage Card open_in_new

Airport Lounge Access: Unlimited visits

 

See also: Best Metal Credit Cards in Singapore


Choosing the ideal credit card: 5-step guide

Step #1: Identify your financial goals

Knowing your short-term and long-term goals is important to choosing the right credit card. You don't have to have these objectives set in stone from the onset, but you should at least figure out how you'd want a credit card to assist your goals. 

For instance, if you aim to be a frequent flyer but spend less on travel, getting a miles credit card would be the smarter route to go – which brings us to our next point...

Step #2: Discover a credit card that aligns with your spending patterns

Discovering and assessing your spending habits is essential to figuring out the best credit card for you. Break down your expenses on a daily and monthly basis to pinpoint the biggest categories you spend the most on.

For example, someone who enjoys dining out and ordering takeaway or food delivery would benefit more from a dining credit card like OCBC 365 (5% cashback on dining and online food delivery) whereas someone who prefers eating in would benefit from a grocery credit card like UOB One (up to 15% cashback at Cold Storage and Giant).

Meanwhile, someone who enjoys a mix of both dining out and eating in would benefit from a card like Citi Cash Back (8% cashback on groceries, 6% cashback on dining).

Exclusive Offer
Best Value

Citi Cash Back Card

Citi Cash Back Card

Cashback on dining

6
%
at cafés and restaurants worldwide
See more
See less

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Plus, get 2x chances to win your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions! T&Cs apply.

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Step #3: Understand the types of credit cards

Once you've identified your financial goals and spending habits, now's the time to pick the appropriate credit card to match them. 

As briefly mentioned above, if you want your expenses to contribute to your travels, either a miles credit card or travel credit card will suit you the best. Miles cards can either earn miles on specific categories like dining, shopping, or transport (e.g. UOB Lady's Cards) or on broader categories like eligible online and mobile contactless spend (e.g. HSBC Revolution Card & Citi Rewards Card). 

Best miles credit cards to consider

Earn bonus miles on your preferred categories with these miles credit cards, no minimum spend required:

  • HSBC Revolution Card: 4 mpd on online and mobile contactless spend, capped at S$1,000 spend per calendar month
  • Citi Rewards Card: 4 mpd on online spend, capped at S$1,000 spend per statement month
  • UOB Lady's/Lady's Solitaire Card: 6 mpd* on one/two preferred category(ies), capped at S$1,000/S$2,000 spend per calendar month

*Until 29 February 2024 before it reverts to 4 mpd.

 

Conversely, a travel credit card (e.g. HSBC TravelOne Card) usually specialises in local and overseas spend, often accompanied by an array of travel perks such as complimentary travel insurance or accelerated miles for dedicated travel-related expenses. 

Best travel credit cards to consider

Earn bonus miles on local, overseas, and dedicated travel-related spend with these travel credit cards.

 

Citi PremierMiles Card open_in_new

Airmiles Overseas: 2 miles per dollar

DBS Altitude Visa Signature Card open_in_new

Airmiles Overseas: 2.20 miles per dollar

OCBC 90°N Mastercard open_in_new

Airmiles Overseas: 2.10 miles per dollar

HSBC TravelOne Credit Card open_in_new

Airmiles Overseas: 2.40 miles per dollar

UOB PRVI Miles World MasterCard open_in_new

Airmiles Overseas: 2.40 miles per dollar

UOB PRVI Miles Visa Card open_in_new

Airmiles Overseas: 2.40 miles per dollar

UOB PRVI Miles American Express Card open_in_new

Airmiles Overseas: 2.40 miles per dollar

 

Step #4: Strategise on maximising your credit card perks and benefits

After selecting the right credit card fit, you're free to plan your credit card strategy however you please. Just remember, your strategy should maximise your credit card's fullest potential – whether it's in cashback, miles, or rewards points – in the right spend categories. 

💡 Pro-tip: Ideally, your credit card should be used for dedicated expenses rather than for general spend to truly maximise its earn rates and benefits – unless they're cards like HSBC Revolution or Citi Rewards.


Step #5: Thoroughly review the terms & conditions

Don't forget to read your credit card's eligibility, fees, charges, and other terms & conditions! Things like knowing whether your credit card has annual fee waivers or complimentary travel insurance will come in useful. Moreover, if you intend to use it overseas, knowing its foreign transaction fee and dynamic currency conversion (DCC) fee will help dictate your travel spending.

💡 Pro-tip: We usually don't advise using normal credit cards for overseas spending. Travel credit cards or multi-currency cards will be more suitable since they have minimal to zero foreign transaction fees involved and offer fairly accurate currency conversion rates upon payment.

 


Summing it up

BOC’s internet banking interface and customer service are not as polished as other banks, and you may not receive the same sort of experience you’ve become accustomed to. However, if you’re willing to put up with this, you’ll find some decent cashback offerings. Our picks would be:

  • For dining: BOC Family Card
  • For groceries: BOC Sheng Siong Card
  • For petrol: BOC Zaobao Card
  • For travel: BOC Elite Miles World mastercard

 

Read these next:
Best Citibank Credit Cards In Singapore
Cashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You?
Which Supplementary Cards Offer The Best Benefits?
Best UOB Credit Cards In Singapore
Best CIMB Credit Card Promotions: CIMB Visa Signature vs CIMB World Mastercard vs CIMB Visa Infinite Comparison Review

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