BOC Family Card Review (2023): Upsized Cashback On Your Family Outings

SingSaver team

SingSaver team

Last updated 12 January, 2023
A credit card made for all your family activities — dining, movies, online spending, supermarkets, public transportation and even hospital bills.

The BOC Family Card offers an unmatched 10% cashback on movies and dining at local and overseas cafes, restaurants, and fast food restaurants.

A great all-round cashback card for families, it also offers between 3% to 5% cashback for groceries, online shopping, public transport and more. 

The only drawback is the monthly cashback cap of $25 per category, so make sure to track your spending for each category. You’ll also have to spend a minimum of $800 per month to qualify for the cashback rates.

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Looking for the best credit cards to complement your spending patterns and expenditure in 2024? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.

What the BOC Family Card can do for you

BOC Family Card product summary:

  • Highest Cashback Rate: 10%
  • Minimum Monthly spend: $800
  • Income requirement: $30,000 (Singaporeans/PR), $60,000 (Foreigners)
  • Minimum age: 21
  • Annual fee: $205.20 (First year waived)
Pros Cons
Highest cashback rate of 10% for dining and movies Minimum monthly spend of $800 
(You earn a flat 0.3% cashback if spending per billing cycle is less than $800)
5% cashback on Family Club Merchants, which includes Best Denki, Eu Yan Sang, POPULAR Bookstore, Q&M Dental, Unity Pharmacy, Watsons etc.

Monthly cashback cap of $100, broken down into:
- $25 for dining and movies
- $25 for Family Club Merchants
- $25 for public transport
- $25 for supermarkets, online purchases, hospitals
3% cashback for supermarket, online purchases and hospital spend as well as public transport transactions No cashback for fuel

Why should you choose the BOC Family Card?

#1: Earn cashback on all your meals outside

The BOC Family Card also offers a market-leading cashback rate of 10% for dining in Singapore or overseas. This is applicable to all cafes, restaurants, and fast food restaurants (excluding all food and beverage spend within hotels and wedding banquets held in hotels). So whether you’re on a dinner date or having a family meal, this card will do the trick. 

Take note of the cashback cap of $25 per month for dining and movies as a combined category.

#2: Perfect for movie-goers

It doesn't matter if your preferred cinema is Golden Village, Shaw Theatres or Cathay Cineplexes. If you’re a movie buff, earn 10% cashback on all transactions at movie theatres in Singapore by charging it to the BOC Family Card. Pretty blockbuster stuff.

#3: Your daily commute is set to be cashback-friendly 

The BOC Family Card gives 3% on public transport transactions. This means that you earn 3% cashback every time you take the MRT or bus. With the cap of $25 for this category, you won’t be hitting the cap anytime soon. To put things into perspective, to get the maximum $25 cashback on a 3% cashback rate, you’re looking at spending $833 a month. 

#4: It’s straight up suitable for all things family-related

As its name suggests, the BOC Family Card is an ideal card for general spending and if you’re in charge of various household bills. You earn 5% cashback on Family Club Merchants — merchants classified under the ‘Family Club’ by BOC.

This includes the likes of Best Denki, Eu Yan Sang, Harvey Norman, Motherswork, POPULAR Bookstore, Q&M Dental, Unity Pharmacy, Watsons and more.

You can also earn 3% cashback on groceries, online shopping, telco bills and even hospital bills.

Do take note of the minimum monthly spend of $800 as well as the cashback cap of $25 per category, and up to $100 cashback cap per month.

What charges or fees should you look out for?

  • Annual fee: $205.20 (First year waived)
  • Late payment charge: 5% per month of the minimum payment sum (subject to a minimum of $100 per month)
  • Minimum monthly payment: 3% of current balance or $50, whichever is higher
  • Overlimit fee: $40 if the total outstanding card balance exceeds the total credit limit at any time
  • Interest on card transactions: 28.88% per annum if full payment is not made by payment due date
  • Interest on cash advance: 28.88% per annum on the amount withdrawn from the transaction date until the date that full payment is made

Eligibility criteria

  • At least 21 years of age
  • Minimum annual income for Singapore citizens and PRs: $30,000 
  • Minimum annual income for foreigners: $60,000 

How to apply? 

Click on the ‘Apply Now’ button on this page and complete the application with code MBSS if you’re applying from SingSaver. You might need to prepare the following documents for the application process:

  • Front and back of NRIC/Passport/Employment Pass
  • Salaried employees: Past 12 months CPF statement (Singaporean/PR) or latest Income Tax Notice of Assessment and latest original computerised payslip
  • Self-employed: Latest Income Tax Notice of Assessment and latest original computerised payslip

Should you get the BOC Family Card?

BOC has made it quite explicit in the naming that it is the card to get for families, especially if it's a family of foodies. This card also wouldn't be out of place if you're always dining out with your 'squad', in the looser sense of the word 'family'.

Read these next:
Best Cashback Credit Cards In Singapore
Best Grocery Credit Cards in Singapore
Best Petrol Credit Cards in Singapore 
UOB One Card Review: Generous Cashback Card For Grab Users And Dairy Farm Shoppers
Citi Cash Back+ Mastercard® Card Review: 1.6% Cashback On All Spend

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