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Bank of China Family Card

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Credit Cards/Bank of China Family Card
Credit Cards/Bank of China Family Card
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Bank of China Family Card

10% Cashback on Dining and Movies

CASHBACK

$100

CASHBACK CAP

$800

MINIMUM SPEND

Bank of China Family Card

10% Cashback on Dining and Movies

CASHBACK

$100

CASHBACK CAP

$800

MINIMUM SPEND

Reviews (11)

3.7

11 Reviews

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      Updated on 27 Jun 2020

      Purchased

      Bank of China Family Card

      The key benefits for using this card are (1) to clock qualifying spend for BOC SmartSaver and (2) 10% dining rebate. For other spending categories, there are normally better deals out there.

      0

      Post

      Updated on 02 May 2020

      Purchased

      Bank of China Family Card

      [Updates on 2th May 2020] Since the benefits has reduced since 2019, it is no longer beneficial for most except those choose to save with the bank's high interest savings account which needs to spend min $500 on their card. Otherwise it is a no go for this card as other card might provide better benefits. Been using this card for the past 8 months plus and in the past their other services. BOC is still NKOTB, so kinda in the past not really good in their offers until recent 1 to 2 years. Still my main card due to : Pros: - One of the highest for dining + Movie at 10% but capped at $30 per billing cycle - Telco/supermarket/hospital bill /netflashpay[first 4 auto top up with fees at $0.50 each auto top up]/best denki, Bigbox, Toys r us , Unity, Watson, all shared at 5% BUT Cap at $40! (So max spend is $800) - Online spend at 5% but cap at $30 (max spend $600) - Good to consolidate all your household charges/ spending to get the max cash back out of it! Cons: - They changed the min spend from $500 to $700, effective 24th April 2018! TOO MUCH! - Need to call up CSO to find out your billing period and it is based on book-keeping date (posting date), and different CSO actually gave me different date! Furious! - With everyone posting date different, and transaction may post 2 to 3 days after transaction date(depends on merchant), you need to buffer: (a) 2 day before the starting of the posting date and (b) 3 days before end of posting date => to ensure your transaction safely fall into the cash back period for yourself eg. If your posting date is: 17th Mar to 16th Apr, you need to spend on 15th Mar to 13th Apr to ensure it safely falls into your billing period to fulfill the $700 min spend and then ensure each cash back category doesn't get over the max cashback cap of each category. - Probably they realize they are paying too much cash back due to many pro user using their card! haha.. so they started consolidating spending category and limit the cash back. sigh... - Worst Internet banking and apps ever, confusing bill, troublesome to login, LONGEST 2FA code in the world!!! Very hard to calculate the cash back transactions validity. Overall, still the only good cashback cash in the market than the rest with easier spending to meet.

      0

      Post

      Updated on 20 Jan 2020

      Purchased

      Bank of China Family Card

      [Cashback Card] A powerful card to earn rebates for daily shopping ( groceries, online) and dining (fast food, restaurants). Despite several change in tnc, still rather straightforward to use. [Promotions and Perks] Get step up interest for BOC smartsaver account if u spend $500 per month. Sweet!

      0

      Post

      Posted on 23 Nov 2019

      Purchased

      Bank of China Family Card

      BOC a bit messed disorganized - took more than a month to get card going - almost gave up before call out of blue 3 weeks in asking for some more documents and then another week before approval letter/card received. The cashback benefits used to be quite strong but then the bank keeps on changing around requirements (witnessed two program changes in 12 months) and a hassle to use really. Gave up on first year renewal coz wavier was more trouble than it is worth.

      0

      Post

      Updated on 13 Jun 2019
      Well, this card is alright. nothing much i can complain about. serve as a decent credit card for casual spending monthly. 1 thing to note is that the annual fee is $230 and the fee waiver process takes at least 2 working week before you get any notification.

      1

      Scared Lose

      Scared Lose

      30 Jun 2018

      I wanted a bank of China card, thinking I can link it to Alipay. I was wrong. 😑

      Post

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