Anonymous
Any hidden costs that I should be aware of? How do I maximise the usefulness of this card?
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There is an interest free period of 23 days from the statement date if the bills are paid in full (balances are interest free if Effective Interest Rate (EIR) is zero).
Late payment charges is 5% of the minimum payment sum while the annual membership fees is $203.30 for principal card and $101.65 for supplementary card (inclusive of GST)
Administration fees: 2% of the transaction amount for Visa, Mastercard and 2.4% for UnionPay.
These are the key fees you should take note of when paying your bills for BOC card.