Best Bank of China Credit Cards in Singapore 2025
Updated: 25 Jun 2025
Bank of China (BOC) credit cards in Singapore offer premium benefits, including exclusive rewards, flexible points redemption, and superior travel perks like airport lounge access and insurance. Known for top-tier customer service and robust fraud protection, BOC cards provide exceptional value and peace of mind, making them a preferred choice for those seeking luxury and reliability!
Why Trust SingSaver
Card | Hot Reward Pick | SingSaver Reward | Card benefit | Min Annual Income | Annual Fee | |||
|---|---|---|---|---|---|---|---|---|
 | BOC Visa Infinite Card | - | - | 1.6 - 1.8 % cashback | S$120,000 | S$374.50 | ||
 | BOC Qoo10 Platinum Card | - | - | 0.3 - 10 % cashback | None | S$32.40 | ||
 | BOC Qoo10 World Mastercard Card | - | - | 0.3 - 15 % cashback | S$30,000 | S$205.20 | ||
 | BOC Family Card | - | - | 0.3 - 10 % cashback | S$30,000 | S$205.20 | ||
 | BOC Elite Miles World MasterCard | - | - | 1 - 2 miles per dollar | S$30,000 | S$203.30 | ||
 | BOC Zaobao Credit Card | - | - | 1.5 - 10 % cashback | S$30,000 | S$205.20 | ||
 | BOC Sheng Siong Card | - | - | 0.3 - 12 % cashback | S$30,000 | S$32.10 |
Local Cashback
1.6 %Overseas Cashback
1.8 %Lounge Access
4 visits per year*Annual Fee Waiver
2 years- 1.6% cash rebate on all qualifying local spend and 1.8% cash rebate on all qualifying overseas spend.
- No minimum spend and earn cap.
- 1.8% cash rebate on selected green merchants and electrical vehicle charging.
- 0.3% cash rebate on selected insurance and education spend.
- 4X complimentary access to participating Plaza Premium lounges annually.
- Personalised concierge services with Visa Concierge.
- S$120,000 annual income
- S$378 annual fee
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: 5 %
Interest on Purchase: 28.88 %
Interest on Cash Advance: 28.88 %
Interest Free Period: 23 days
Fees
Annual Fee: S$374.50
Foreign Currency Transaction Fee: 2 %
Air Miles Conversion Fee: S$30.28
Cash Advance Service Charge: S$20
Eligibility
Minimum Annual Income: S$120,000
Minimum Age: 21 years old
Card Benefits
0.3 - 10 % cashbackCashbackTransport
10 %Cashback Online Spend
3 %Annual Fee
S$ 32.40- 3% rebate in the form of Qmoney on Qoo10 transactions with S$200 minimum spend.
- 10% rebate in the form of Qmoney on public transport with S$200 minimum spend.
- 3% rebate in the form of Qmoney on Selected Category transactions with S$200 minimum spend.
- 0.3% rebate in the form of Qmoney on all other spend with S$200 minimum spend.
- Minimum spend of S$200 for rebates.
- Rebates are in the form of Qmoney and not cash.
- Cap of S$30 Qmoney, which includes a maximum of S$10 Qmoney for Qoo10 transactions, and a maximum of S$20 Qmoney for all other transactions (inclusive of Selected Categories transactions) per calendar month.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: 5 %
Interest on Purchase: 28.88 %
Interest on Cash Advance: 28.88 %
Interest Free Period: 23 days
Fees
Annual Fee: S$32.40
Foreign Currency Transaction Fee: 3 %
Air Miles Conversion Fee: S$30.28
Eligibility
Minimum Age: 18 years old
Min. Annual Income: None
Monthly Spend Required: S$200
Card benefits
0.3 - 15 % cashbackCashback Transport
15 %Cashback Shopping
Up to 10 %Annual Fee
S$ 205.20- 3% rebate in the form of Qmoney on Qoo10 transactions with S$400 minimum spend.
- 10% rebate in the form of Qmoney on Qoo10 transactions with S$800 minimum spend.
- 15% rebate in the form of Qmoney on public transport with S$800 minimum spend.
- 3% rebate in the form of Qmoney on Selected Category transactions with S$800 minimum spend.
- 0.3% rebate in the form of Qmoney on all other spend with S$400 minimum spend.
- Minimum spend for rebates.
- Rebates are in the form of Qmoney and not cash.
- Cap of S$70 Qmoney, which includes a maximum of S$30 Qmoney for Qoo10 transactions, and a maximum of S$40 Qmoney for all other transactions (inclusive of Selected Categories transactions), per calendar month.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: 5 %
Interest on Purchase: 28.88 %
Interest on Cash Advance: 28.88 %
Interest Free Period: 23 days
Fees
Annual Fee: S$205.20
Foreign Currency Transaction Fee: 3 %
Air Miles Conversion Fee: S$30.28
Eligibility
Minimum Age: 21 years old
Min. Annual Income: S$30,000
Monthly Spend Required: S$400
BOC Family Card
rating
3.5/ 5
Cashback Dining
10 %Cashback Supermarket
3 %Cashback Transport
3 %Cashback Health
5 %- 10% cash rebate on dining and movies.
- 5% cash rebate on Family Club Merchants, including Best Denki, Popular Bookstore, Unity Pharmacy, Watsons, and more.
- 3% cash rebate on public transport.
- 3% cash rebate on supermarket, online purchases, and hospital.
- 0.3% cash rebate on all other eligible spend.
- S$205.20 annual fee (inclusive of GST).
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: 5 %
Interest on Purchase: 28.88 %
Interest on Cash Advance: 28.88 %
Interest Free Period: 23 days
Fees
Annual Fee: S$205.20
Foreign Currency Transaction Fee: 2 %
Air Miles Conversion Fee: S$30.28
Cash Advance Service Charge: S$20
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
BOC Elite Miles World MasterCard
rating
3.8/ 5
Miles Local Spend
1 miles per dollarMiles Overseas Spend
2 miles per dollarRewards Points
4.5 points per dollarAnnual Fee Waiver
1 year- Earn 1 mile per dollar on local spend, and 2 miles per dollar on overseas spend.
- BOC Points can be converted into KrisFlyer Miles or Asia Miles.
- S$30.28 miles conversion fee.
- S$205.20 annual fee.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: S$100
Interest on Purchase: 28.88 %
Interest on Cash Advance: 28.88 %
Interest Free Period: 23 days
Fees
Annual Fee: S$203.30
Foreign Currency Transaction Fee: 2 %
Air Miles Conversion Fee: S$30.28
Eligibility
Minimum Age: 21 years old
Minimum Annual Income: S$30,000
Monthly Spend Required: None
BOC Zaobao Credit Card
rating
2/ 5
Cashback Baseline
1.5 %Cashback Dining
5 %Annual Fee Waiver
2 yearsCashback Bill Spending
10 %- 1.5% unlimited cash rebate on local and overseas retail spend with no minimum spend.
- Up to 10% cash rebate on Zaobao and SPH newspaper subscriptions with S$400 minimum spend per statement month.
- Up to 5% cash rebate on dining S$400 minimum spend per statement month.
- Waiver of Currency Exchange Fees for retail transactions in RMB.
- Complimentary Sands Rewards Lifestyle Elite tier membership at Marina Bay Sands Rewards membership counter.
- Bonus cash rebate capped at S$30 per statement month.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: 5 %
Interest on Purchase: 28.88 %
Interest on Cash Advance: 28.88 %
Interest Free Period: 23 days
Fees
Annual Fee: S$205.20
Foreign Currency Transaction Fee: 3.2 %
Air Miles Conversion Fee: S$30.28
Cash Advance Service Charge: 6 %
Eligibility
Minimum Age: 21 years old
Min. Annual Income: S$30,000
Monthly Spend Required: None
BOC Sheng Siong Card
rating
3.5/ 5
Cashback Local Spend
12 %Cashback Overseas
1.6 %Cashback Baseline
0.3 %Annual Fee Waiver
1 year- Enjoy up to 12% cash rebate at Sheng Siong.
- Additional 6% cash rebate on your Sheng Siong purchases when you spend S$600 elsewhere.
- 1.6% unlimited cash rebate on your overseas spend including online purchases.
- 0.3% cashback on all other purchases.
- Minimum S$600 out-store spending required to get the 12% cashback at Sheng Siong. Otherwise, you will be awarded with 6% cash rebate which is not subject to any minimum spend.
- Total cash rebate for Sheng Siong is capped at S$75.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: 5 %
Interest on Purchase: 28.88 %
Interest on Cash Advance: 28.88 %
Interest Free Period: 23 days
Fees
Annual Fee: S$32.10
Foreign Currency Transaction Fee: 2 %
Air Miles Conversion Fee: S$30
Eligibility
Minimum Age: 21 years old
Min. Annual Income: S$30,000
Monthly Spend Required: None