BOC Visa Infinite Card

The BOC Visa Infinite Card elevates your lifestyle with exclusive perks and travel privileges. Enjoy 1.6% cash rebate on local purchases and 1.8% cash rebate on overseas spend, with no minimum spend or cap.

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Card benefit

% cashback

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Earn up to 1.8% cash rebate on qualifying overseas spending and a 1.6% cashback on qualifying purchases in Singapore, both with no minimum spend or cap.

Annual Fee

S$ 374.5

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First Two Year Waived

Minimum Annual Income

S$ 120,000

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Highlights

Card benefit

% cashback

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Earn up to 1.8% cash rebate on qualifying overseas spending and a 1.6% cashback on qualifying purchases in Singapore, both with no minimum spend or cap.

Annual Fee

S$ 374.5

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First Two Year Waived

Minimum Annual Income

S$ 120,000

Things to consider when choosing this card:

Things to consider

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Local spending rebate

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No monthly spend required

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No rebate cap

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Airport lounge

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Benefits

Cashback

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Cashback Base Rate

1.6 %

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1.6% cashback on qualifying purchases in Singapore, no minimum spend and cap.

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Cashback Local

1.6 %

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1.6% cashback on qualifying purchases in Singapore, no minimum spend and cap.

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Cashback Overseas

1.8 %

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1.8% cash rebate on qualifying overseas spend, with no minimum spend and cap.

luggage

Cashback Travel

1.6 %

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1.6% cashback on qualifying purchases in Singapore, no minimum spend and cap.

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Cashback Dining

% 1.6

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1.6% cashback on qualifying purchases in Singapore, no minimum spend and cap.

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Cashback Supermarket

% 1.6

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1.6% cashback on qualifying purchases in Singapore, no minimum spend and cap.

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Cashback Petrol

% 1.6

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1.6% cashback on qualifying purchases in Singapore, no minimum spend and cap.

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Cashback Retail

% 1.6

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1.6% cashback on qualifying purchases in Singapore, no minimum spend and cap.

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Cashback Local Online Shopping

% 1.6

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1.6% cashback on qualifying purchases in Singapore, no minimum spend and cap.

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Cashback Overseas Online Shopping

% 1.6

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1.6% cashback on qualifying purchases in Singapore, no minimum spend and cap.

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Cashback Health

% 1.6

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1.6% cashback on qualifying purchases in Singapore, no minimum spend and cap.

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Cashback Department Store

% 1.6

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1.6% cashback on qualifying purchases in Singapore, no minimum spend and cap.

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Cashback Digital Wallet

% 1.6 %

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1.6% cashback on qualifying purchases in Singapore, no minimum spend and cap.

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Cashback Contactless Spend

1.6 %

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1.6% cashback on qualifying purchases in Singapore, no minimum spend and cap.

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Cashback Transport

1.6 %

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1.6% cashback on qualifying purchases in Singapore, no minimum spend and cap.

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Quick Facts

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1.6% cash rebate on all qualifying local spend and 1.8% cash rebate on all qualifying overseas spend.

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No minimum spend and earn cap.

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1.8% cash rebate on selected green merchants and electrical vehicle charging.

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0.3% cash rebate on selected insurance and education spend.

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4X complimentary access to participating Plaza Premium lounges annually.

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Personalised concierge services with Visa Concierge.

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S$120,000 annual income

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S$378 annual fee

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Eligibility

Minimum Age

21 years old

Minimum Annual Income

S$ 120,000

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Fees / Repayment

Fees

Annual Fee Waiver

2 years

Annual Fee

S$ 374.5

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First Two Year Waived

Foreign Currency Transaction Fee

2 %

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2% administrative fee and an additional 1% cross-border fee for Visa credit cards.

Cash Advance Service Charge

S$ 20

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6% or S$20, whichever is greater.

Air Miles Conversion Fee

S$ 30.28

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Inclusive of GST

Repayment

Minimum Payment

3 %

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3% of the monthly balance outstanding, plus any outstanding min. payment sum, plus the amount in excess of the Credit Limit, or S$50, whichever is greater.

Late Payment Charge

5 %

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If Minimum Payment Due is not received by the Payment Due Date, a Late Payment Charge of 5% of outstanding amount, subject to minimum of S$100 per month, will be levied.

Interest on Purchase

28.88 %

Interest on Cash Advance

28.88 %

Interest Free Period

23 days

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Others

Association

VISA Infinite

SingSaver’s offer

Welcome offer comparison

Provider	Offer
SingSaver	<insert offers/rewards>
BOC Website	Nil
Other Platforms	Nil

Best offer: The Singsaver promotion offers the most value.

BOC Visa Infinite Card at a glance

Cashback

4/5

Strong, straight cashback rather than miles means less hassle with conversion.
The overseas rate was raised to 2.4%, putting it ahead of many competitors.
No cap means high spenders benefit more proportionally.

Overseas spending

4/5

Excellent overseas rebate rate (2.4%).
Includes typical FX and cross-border fees, but the rebate is still high.
Exclusions do apply.

Travel

3.5/5

Four complimentary Plaza Premium lounge visits per year.
Visa Concierge 24/7.
No free airport transfers or other elite travel insurance benefits.

Bill payment

2/5

Rebates do not apply to many MCCs (including utilities, insurance, and education sometimes).
Minimum-spend conditions for EV charging rebate also limit bill payment flexibility.

Petrol

3/5

Petrol spend gets a 1.6% rebate.
Higher rebates (3%) are only available when EV charging spend is high and meets the billing threshold.

Annual interest rate and fees

Annual principal fee: S$381.50 (inclusive of GST)
Fee waiver: 1-year waiver for principal card
Interest-free period: 23 days
Annual interest rate: 28.88% p.a.
Late payment fees: 5% per month of the Minimum Payment Sum, subject to a minimum of S$100 per month
Minimum monthly repayment: 3% of the monthly balance outstanding, plus any outstanding Minimum Payment Sum, plus the amount in excess of the Credit Limit, or ^¥/S$50, whichever is greater
Foreign currency transaction fee: 2%
Cash advance transaction fee: ^¥/S$20 or 6% of the amount withdrawn, whichever is higher.
Overlimit fee: S$40

Minimum income requirements

Singaporean/PR minimum income: S$72,000
Non-Singaporean minimum income: S$72,000

Why apply for the BOC Visa Infinite Card

Perks and benefits

High, cap-free cashback: 1.6% locally, 2.4% overseas
Up to 3% rebate on EV charging when meeting minimum spend
4 complimentary Plaza Premium lounge visits per year.
Visa Concierge service for lifestyle and travel assistance

Additional benefits

Fee waiver for the first year reduces the barrier to trying out the card
No minimum spend and no cap on cashback, straightforward rewards.

Everyday value

Good for those who travel or spend in foreign currency.
Also attractive for prestigious lifestyle perks with large fees offset by usage.
Less attractive for low spenders who won’t benefit much from overseas/EV-charging bonuses.

SingSaver’s take

BOC Visa Infinite is a premium cashback card that punches above its weight on overseas rebate rates and lifestyle benefits. Disadvantages include a steep income requirement and a high renewal fee after two years. If you travel or shop overseas often, or charge an EV, it’s one of the better deals. But if most of your spending is domestic and you hate annual fees, cheaper cards may be more cost-effective.

Pros & Cons

Pros	Cons
✅ Top-tier overseas rebate with no cap ✅ EV charging rebate boosts value for EV users ✅ Lounge access and concierge perks add travel comfort	❌ A high income requirement may exclude many users ❌ Renewal fee after a year ❌ Many MCCs are excluded from the rebate

Card comparison

Card	Rewards	Annual fee (principal)	Other perks
BOC Visa Infinite Card	1.6% local, 2.4% overseas cashback	S$381.50 (waived for first 2 yrs)	Lounge visits, EV charging rebate, Visa Concierge
UOB Visa Infinite Metal Card	1.5–2.4 miles per S$1 overseas & local depending on category	S$654.00	High-end hotel perks, little-used elite benefits
Standard Chartered Visa Infinite Card	Up to 3 miles per S$1 on overseas spend	S$599.50	6 visits per year to Priority Pass, strong travel insurance

What makes the BOC Visa Infinite stand out is its uncapped high cashback overseas, combined with travel perks — all for a fee that’s lower than some peers after factoring in the waivers.

Application process

Click “Apply Now” button above and follow the prompts.
Retrieve information from MyInfo (Singaporeans only), or go to a branch to apply.
Wait for the BOC to approve your card (typically 1–2 weeks).
Once approved, use your card and ensure you trigger any fee waiver or bonus conditions.

Frequently asked questions about BOC Visa Infinite Card

Q: Do I earn a rebate on all overseas purchases?

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No. The overseas cash rebate rate applies to qualifying overseas or foreign currency transactions. Some merchant categories may be excluded.

Q: When does the overseas rate increase to 2.4%?

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The increase to 2.4% overseas cash rebate took effect from 15 June 2025 per BOC’s revised terms.

Q; What is excluded from earning cashback?

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Excluded are certain MCCs (merchant category codes), transactions via CardUp, and some green retailers and sustainable retailers specified in BOC’s exclusions list.

Q: Will additional passengers (supplementary cards) also enjoy the lounge access and perks?

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Yes, supplementary cards typically have access to perks like lounge visits, but check with BOC for exact allowances.

Q: Is the fee waiver automatic?

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Yes, the annual fee is waived for one year automatically.

Spend category	Rewards earned
Local spend	1.6% cash rebate
Overseas spend	2.4% cash rebate
Bonus spend	3% cash rebate on EV charging

BOC Visa Infinite Card

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Cashback

Quick Facts

Eligibility

Eligibility

Fees / Repayment

Fees

Repayment

Others

Association

Tags

BOC Visa Infinite Card

SingSaver’s offer

Welcome offer comparison

BOC Visa Infinite Card at a glance

Cashback

Overseas spending

Travel

Bill payment

Petrol

Annual interest rate and fees

Minimum income requirements

Why apply for the BOC Visa Infinite Card

Perks and benefits

Additional benefits

Everyday value

SingSaver’s take

Pros & Cons

Card comparison

Application process

Frequently asked questions about BOC Visa Infinite Card

Q: Do I earn a rebate on all overseas purchases?

Q: When does the overseas rate increase to 2.4%?

Q; What is excluded from earning cashback?

Q: Will additional passengers (supplementary cards) also enjoy the lounge access and perks?

Q: Is the fee waiver automatic?

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