Best Bank of China Credit Cards in Singapore 2026
Updated: 8 Jan 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 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!
Card | Hot Reward Pick | SingSaver Reward | Card benefit | Min Annual Income | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | BOC Visa Infinite Card | - | - | 1.6 - 1.8 % | S$120,000 | S$374.50 | |
 | BOC Family Card | - | - | 0.3 - 10 % | 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 % | S$30,000 | S$205.20 | |
 | BOC Sheng Siong Card | - | - | 0.3 - 12 % | S$30,000 | S$32.10 |
Why Trust SingSaver
Cashback (Local)
1.6 %Cashback (Overseas)
1.8 %Airport 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.
- Local spending rebate
- No monthly spend required
- No rebate cap
- Airport lounge
- 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$120,000
Minimum Age: 21 years old
BOC Family Card
rating
3.5/ 5
Cashback Dining
10 %Cashback Supermarket
3 %Cashback Transport
3 %Annual Fee
S$ S$
205.20- 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.
- Dining rebate
- Public transportation
- 0.3% cash rebate on all other eligible spend.
- S$205.20 annual fee (inclusive of GST).
- Monthly spend required
- Rebate cap applied
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$30,000
Minimum Age: 21 years old
BOC Elite Miles World MasterCard
rating
3.8/ 5
Airmiles (Local)
1 miles per dollarAirmiles (Overseas)
2 miles per dollarAnnual Fee
S$ S$
203.30Annual 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.
- Bonus air miles
- Unlimited air miles
- S$30.28 miles conversion fee.
- S$205.20 annual fee.
- Monthly spend required
- Annual Fee required
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 %Cashback (Zaobao)
10 %Annual Fee Waiver
2 years- 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.
- No rebate cap
- Local spending rebate
- Overseas rebate
- Dining rebate
- 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)
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.
- Supermarket rebate
- No rebate cap
- No monthly spend required
- 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.
- Rebate cap applied
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