Planning a Trip to China? Enjoy Hassle-Free Spending with 0% Fees & Earn Cashback Using BOC Dual Currency Credit Cards
Updated: 25 Feb 2026
Written byAlevin K Chan
Freelance Contributor & Advertorials Writer
China continues to be a beloved destination among Singaporeans. From breathtaking architecture and stunning natural landscapes to world-class cuisine, entertainment, and some of the world’s most iconic attractions, China offers countless opportunities for a memorable holiday.
That said, many travelers encounter one common challenge during their China travels: payments. Most daily transactions—like transport, dining, and shopping—are largely cashless and often require Alipay or WeChat Pay in China. While credit cards are accepted in major cities, foreign exchange fees and other card charges can add additional costs to your trip.
But don’t worry—you can avoid these issues and fully enjoy your holiday in China simply by bringing the right credit cards. The BOC Zaobao Credit Card and BOC SplendorPlus Card are specifically designed for travel to China. They allow seamless spending within the Chinese mainland and help you save more with 0% fees.
Let’s explore what these dual-currency credit cards can offer you.
How Do BOC Zaobao Credit Card and BOC SplendorPlus Card Benefit You?
Enjoy Hassle-Free Payments in China with BOC Dual-Currency Credit Cards
Spend like a local and save effortlessly.
Here’s how it works: Transactions made in the Chinese mainland will be automatically processed in RMB. When you return to Singapore, you’ll have the flexibility to settle your credit card bill in either RMB or SGD. What does this mean for you? Well, first of all, BOC dual-currency credit cards help you avoid currency exchange fees – both cross-border fee and administrative fee are commonly charged by banks - when you spend in the Chinese mainland.
And here’s some wonderful news!
You may already know that transactions over RMB 200 made through international cards on Alipay and WeChat Pay platforms usually incur a 3% administrative fee. But don’t worry — the fee is completely waived for you with BOC Dual-Currency Credit Cards. From now until 30 Jun 2026 (or subject to UnionPay’s terms and conditions), there will be NO administrative fee charged by the platform when you use Alipay or WeChat Pay with these cards.
This means you can enjoy a seamless payment experience, just like local users, without any extra charges.
Dual Currencies, Dual Rewards
In addition to the payment advantages in the Chinese mainland, the BOC SplendorPlus Card offers you up to 1% cash rebate on your spending in Chinese mainland and up to 3% for your spending locally and overseas (other than Chinese mainland).
Meanwhile, the BOC Zaobao Credit Card gives you an unlimited 1.5% cashback on qualifying spending anywhere outside the Chinese mainland. Whether you enjoy unlimited cash rebate on everyday purchases or prefer attractive rewards for your spending style, we’ve designed these cards with your lifestyle in mind.
Don’t Miss Out—Limited-Time Sign-Up Offer!
BOC is delighted to offer you a smooth travel experience in China with this specially curated sign-up package! Apply now, and you'll receive a convenient 10GB eSIM to be instantly connected the moment your flight touches the ground, along with a complimentary RMB 60 Alipay credit!
This exciting offer is valid until 31 Mar 2026, and is available on a first-come, first-served basis while stocks last. So don’t miss out!
Terms and conditions apply.
About the author
Alevin K Chan
Alevin loves helping people make good money decisions. He briefly flirted with being a Financial Advisor, but quickly realised writing about personal finance is the better way to go.