BOC Family Card Review (2020)


  • Highest cashback rate of 10% for dining/movies
  • 3% to 5% cashback for groceries, online shopping and telco/transport
  • Convenient NETS FlashPay facility


  • Minimum monthly spend of $800.
  • Monthly cashback cap of $100
  • No cashback for fuel
Summary of Product
Highest Cashback Rate: 10%
Minimum Monthly spend: $800
Income Requirement: $30,000 (Singaporeans/PR), $60,000 (Foreigners)
Minimum Age: 21
Annual Fee (Waiver): $190 (First year waived)

Table of Content

Why should you choose BOC Family card

How much do you spend for telco, transport and groceries?
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 between 3% to 5% on groceries, online shopping, telco bills and even Grab rides. Take note though 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.
Do you dine out regularly?
The BOC Family Card also offers a market-leading highest 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 banquet held in hotels). So whether you’re on a dinner date or having a family meal, this card is really handy. Again, take note of the cashback cap of $25 per month.
Is watching movies your preferred pastime?
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 sweet.
Do you use NETS FlashPay card for your daily transport and retail needs?
BOC Family card comes with the NETS FlashPay stored value facility which you can use for daily transport and retail needs. Use it at: (a) MRT, LRT, public buses, Comfort & CityCab and SMRT taxis; (b) Food courts, convenience stores, supermarkets and selected hawker centres; (c) ERP and CEPAS-compliant car park charges.

Using the BOC Family card in your favour

The BOC Family card offers an unmatched 10% cashback on movies and dining at local and overseas cafes, restaurants, and fast food restaurants. This is a great all-round cashback card as it also offers between 3% to 5% cashback for groceries, online shopping, telco bills and Grab rides. The only drawback is the monthly cashback cap of $25 per category so make sure to track your spending per category. You’ll also have to spend a minimum of $800 per month to qualify for the cashback rates.

Who can apply

Age Eligibility At least 21 years of age
Income Eligibility Singaporeans/PRs: $30,000 of annual income
Foreigners: $60,000 of annual income

Charges or fees you should be aware of

Annual Fees $190 (First year waived)
Late Payment Charge $100
Interest on Purchases 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.

How to apply

Decide to pick up this card? Click on the “Apply Now” button and complete the application form on SingSaver site.

Here is what you will need during the application process:
  • Front and back of NRIC/Passport/Employment Pass
  • For salaried employees,
    • Past 12 months CPF statement (if Singaporean/PR); OR
    • Latest Income Tax Notice of Assessment and latest original computerised payslip
  • For self-employed,
    • Latest Income Tax Notice of Assessment and latest original computerised payslip

Similar cards to consider

Daunted by the minimum spend or looking to compare it with another cash back card?
No minimum spend cashback card: Standard Chartered Unlimited Credit Card
Shopping Credit Card: UOB YOLO Card
Dining Credit Card: Citibank Cashback Card
Looking for other credit cards? Check out the Best Credit Cards in Singapore 2020.