Up to 23.5%

Savings on petrol transactions at Shell and SPC

Up to 10%

Cash Rebate on Zaobao

Up to 5%

Cash Rebate on Dining, Online Purchases and Departmental Stores

All Details

• Key Features

  • Enjoy up to 23.5% savings on Petrol transactions at Caltex, Shell, Sinopec & SPC

  • Up to 10% cash rebate on Zaobao & SPH newspaper subscriptions

  • Up to 5% cash rebate on Dining, Department Store, Online spend and MCST fees

  • Unlimited 1% bonus cash rebate on all retail spend above S$2,000

  • S$1 Overseas spend = 2x BOC Rewards Points (excluding transactions in RMB)

  • No currency exchange fees

Petrol

Excellent

Best for: Petrol transactions at Shell & SPC

• Up to 23.5% savings on Petrol transactions at Caltex, Shell, Sinopec & SPC, cap at S$60

• Min. Spend per month = S$600

Shopping

Very Good

Supports all major Department Stores in Singapore

• Up to 5% cash rebate on Department Store and up to 3% cash rebate on Online spend

Dining

Very Good

Supports all restaurants, cafes and fast food except spends in hotels

• Up to 5% Cash Rebate on all dining except F&B in hotels

Entertainment

Good

Earn savings on Newspaper subscription and movies

• Up to 10% cash rebate on Zaobao & SPH newspaper subscriptions

• Up to 5% cash rebate on on dining and department stores

• Up to 3% cash rebate on online spend and MCST fees

• Cash rebate cap at S$60/mo

Rewards

Good

Earn Reward points for all local and overseas spend

• 2x Reward Points for every S$1 spent overseas (excluding transactions in RMB)

• 1x Reward Points for every S$1 spent locally

Online Shopping

Good

Supports all Online spends

• Up to 3% cash rebate on Online purchases

Overseas Spending

Good

• Up to 3% Cash Rebate on Online Purchases (also in foreign currency)

• 2x Reward Points for every S$1 spent overseas; 1x Reward Points for every S$1 spent locally

• Minimum spend of S$600/mo, Cap at S$60

• Payment can be made in RMB and/or SGD with no currency exchange fees (other currencies 2.5%)

Annual Interest Rate and Fees

Annual Principal Fee	S$205.20
Supplementary Annual Fee	S$102.60
Fee Waiver	First year waived
Interest Free Period	23 days
Annual Interest Rate	28.88%
Late Payment Fees	5% or S$100, whichever is higher
Minimum Monthly Repayment	3% or S$50, whichever is higher
Foreign Currency Transaction Fee	3.00%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	6% or S$20, whichever is higher
Overlimit Fee	S$40

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$60,000

Card Association

UnionPay