Best Bank of China Credit Cards in Singapore 2026
Updated: 10 Jun 2026
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.
Card | Hot Reward Pick | SingSaver Reward | Card benefit | Min Annual Income | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | BOC Visa Infinite Card | S$18 | 1.6 - 3 % | S$72,000 | S$381.50 | ||
 | BOC Family Card | S$18 | 0.3 - 10 % | S$30,000 | S$207.10 | ||
 | BOC Elite Miles World Mastercard | S$18 | 1.4 - 2.8 miles per dollar | S$30,000 | S$207.10 |
Why Trust SingSaver
Cashback (Local)
1.6 %Cashback (Overseas)
2.4 %Cashback (EV Charging)
3 %Airport Lounge Access
4 visits per year*Apply through SingSaver and choose from 3 premium rewards
- 2.4% cash rebate on overseas spend and 1.6% cash rebate on local spend, with no min. spend and no earn cap.
- 3% cash rebate on electrical vehicle charging.
- 0.3% cash rebate on selected insurance and education spend, with no minimum spend and no earn cap.
- Enjoy 4 complimentary visits to participating Plaza Premium lounges annually.
- Enjoy personalized concierge services with Visa Concierge.
- First year annual fee waived for principal and supplementary cards.
- Local spending rebate
- No monthly spend required
- No rebate cap
- Airport lounge
- S$2,500 min. monthly spend per billing cycle required to unlock 3% cash rebate on EV charging.
Repayment Details
Minimum Payment: 3 %
Late Payment Charge: 5 %
Interest on Purchase: 28.88 % p.a.
Interest on Cash Advance: 28.88 %
Interest Free Period: 23 days
Fees
Annual Fee: S$381.50
Foreign Currency Transaction Fee: 3 %
Air Miles Conversion Fee: S$30.56
Cash Advance Service Charge: S$20
Eligibility
Minimum Annual Income: S$72,000
Minimum Age: 21 years old
Cashback (Dining & Food Delivery)
10 %Cashback (Travel & Entertainment)
8 %Cashback (Shopping & Lifestyle)
3 %Cashback (Health & Wellness)
Up to 3 %Apply through SingSaver and choose from 3 premium rewards
- 10% cash rebate on dining & online food delivery globally.
- 8% cash rebate on travel & entertainment spend (MY &ID in-store spend, online travel booking, concert booking, streaming subscriptions).
- 3% cashback on shopping & lifestyle spend (contactless bus & train rides, ride hailing, supermarkets, online purchases).
- Up to 3% cashback on health & wellness spend (hospital bills, vet services & pet shop spend, insurance).
- 0.3% cashback for all other spend categories.
- First year annual fee waived for principal and supplementary cards.
- Dining rebate
- Public transportation
- S$800 min. monthly spend required to unlock boosted cashback rates.
- Boosted cashback categories (Dining & Online Food Delivery / Travel & Entertainment / Shopping & Lifestyle / Health & Wellness) are capped at S$25 each per billing cycle.
- S$207.10 annual fee (inclusive of GST).
- Monthly spend required
- Rebate cap
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$207.10
Foreign Currency Transaction Fee: 3 %
Air Miles Conversion Fee: S$30.56
Cash Advance Service Charge: S$20
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Airmiles (Local)
1.4 miles per dollarAirmiles (Overseas)
2.8 miles per dollarAnnual Fee
S$ S$
207.10Annual Fee Waiver
1 yearApply through SingSaver and choose from 3 premium rewards
- Earn 2.8 miles per dollar on overseas spend (awarded as 14 BOC Bonus Points per dollar).
- Earn 1.4 miles per dollar on local spend (awarded as 7 BOC Bonus Points per dollar).
- Redeem other rewards, such as shopping vouchers
- Enjoy exclusive benefits curated for World Mastercard Cardmembers.
- 24-hour Mastercard Concierge Service
- First year annual fee waiver for primary and supplementary cards.
- Bonus miles
- Unlimited air miles
- S$30.56 airmiles conversion fee
- Airmiles conversion required
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$207.10
Foreign Currency Transaction Fee: 3 %
Air Miles Conversion Fee: S$30.56
Eligibility
Minimum Age: 21 years old
Minimum Annual Income: S$30,000