BOC Zaobao Credit Card

Enjoy unlimited cash rebate on all local and overseas retail spend with the BOC Zaobao Credit Card. Plus earn bonus cashback on your SPH newspaper subscription and dining.

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Cashback Dining

5 %

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Minimum spend of S$400 per statement month. Capped at S$30.

Cashback Overseas

1.5 %

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On retail spend

Annual Fee Waiver

2 years

Cashback Retail

1.5 %

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On retail spend

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Highlights

Cashback Dining

5 %

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Minimum spend of S$400 per statement month. Capped at S$30.

Cashback Overseas

1.5 %

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On retail spend

Annual Fee Waiver

2 years

Cashback Retail

1.5 %

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On retail spend

Things to consider when choosing this card:

Things to consider

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No rebate cap

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Local spending rebate

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Overseas rebate

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Dining rebate

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Benefits

Cashback

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Cashback Base Rate

1.5 %

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On retail spend

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Cashback Dining

5 %

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Minimum spend of S$400 per statement month. Capped at S$30.

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Cashback Local

1.5 %

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No minimum spend and no cap on cashback earned.

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Cashback Overseas

1.5 %

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On retail spend

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Cashback Retail

1.5 %

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On retail spend

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Cashback Online Bill Payment Spending

10 %

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On Zaobao & SPH newspaper subscriptions. Minimum spend of S$400 per statement month. Capped at S$30.

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Quick Facts

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1.5% unlimited cash rebate on local and overseas retail spend with no minimum spend.

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Up to 10% cash rebate on Zaobao and SPH newspaper subscriptions with S$400 minimum spend per statement month.

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Up to 5% cash rebate on dining S$400 minimum spend per statement month.

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Waiver of Currency Exchange Fees for retail transactions in RMB.

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Complimentary Sands Rewards Lifestyle Elite tier membership at Marina Bay Sands Rewards membership counter.

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Bonus cash rebate capped at S$30 per statement month.

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Eligibility

Minimum Age

21 years old

Min. Annual Income

S$ 30,000

Monthly Spend Required

None

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Fees / Repayment

Fees

Annual Fee Waiver

2 years

Annual Fee

S$ 205.2

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First Two Years Waived

Foreign Currency Transaction Fee

3.2 %

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2.4% administrative fee and additional 0.8% cross-border fee for UnionPay Credit Cards.

Cash Advance Service Charge

6 %

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6% or minimum S$20, whichever is higher.

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

UnionPay Diamond

BOC Zaobao Credit Card

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Cashback

Quick Facts

Eligibility

Eligibility

Fees / Repayment

Fees

Repayment

Others

Association

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