Best Bank of China Unionpay Credit Cards Hong Kong

Compare Bank of China student credit cards in Hong Kong to earn special discounts, cashback and welcome offers. read more
We found 2 Credit Cards for you!
Bank of China logo
Min. Annual Salary
HK$200,000
Cash back on overseas spend
4%
Miles Conversion (overseas spend)
HK$8 = 1 mile
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Bank of China logo
Min. Annual Salary
HK$150,000
Cash back on overseas spend
0.5%
Miles Conversion (overseas spend)
$15 = 1 里數
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Best Bank of China UnionPay Credit Cards in Hong Kong 2019

  • BOC Dual Currency Card: BOC Dual Currency Diamond Card can earn 4% cash rebate for Union QuickPass transactions. Earn Gift Points for local eligible transactions (cash before card service, auto pay or octopus card aavs included) to redeem cash rebate, shopping vouchers or air miles (HK$/ CNY¥ 1= 1 point). Entitled to perpetual annual fee waiver and HK$0 handling fee for overseas spending. BOC Dual Currency Diamond Card members can also enjoy free access to Plaza Premium Lounges after meeting the minimum spending requirements.
  • BOC UnionPay Dual Currency Diamond Card: Earn gift points for local eligible transactions to redeem cash rebate, shopping vouchers or air miles (HK$/ CNY¥1= 1 point). Entitled to HK$0 handling fee for overseas spending. Dual Currency Diamond Card members can also enjoy free access to Plaza Premium Lounge after meeting the minimum spending requirements.

Bank of China UnionPay Credit Card Promotions

UnionPay Credit Card provides a host of cross-border credit card benefits, which makes travelling across borders easier:

Dual currency in one card

BOC UnionPay Dual Currency Diamond Card provides cardholders with both RMB and HKD credit card accounts. Transactions made in China will be paid in RMB while those made in Hong Kong and overseas will be paid in HKD, enabling cardholders to enjoy saving on currency conversion cost and convenience. The relevant transactions will be detailed in the statement.

0% Handling Fee for Overseas Spending

With designated credit cards (BOC Dual Currency Card), cardholders can enjoy 0% handling fee offer for overseas transactions for even greater shopping pleasure. Cardholders can also set monthly spending cap for RMB account for principal card and supplementary card for peace of mind.

Gift Point Redemption Program

With BOC credit cards, cardholders can earn Gift Points for local eligible transactions (cash before card service, auto pay or octopus card aavs included) to redeem cash rebate, shopping vouchers or air miles (HK$/ CNY¥1= 1 point). Gift points can be accumulated and combined with other BOC credit cards. Participating mileage program includes Asia Miles, Air China, China Eastern Airlines, and China Southern Airlines.

Earn Miles with Bank of China UnionPay Credit Card

With BOC credit cards, card members can enjoy gift points for local eligible transactions (cash before card service, auto pay or octopus card aavs included) to redeem cash rebate, shopping vouchers or air miles (HK$/ CNY¥1= 1 point) either through BOC website pr 24-hour customer service hotline at 2853-8828. With 25,000 Gift Points, cardmembers can a cash coupon (worth HK$100) from selected merchants such as city'super, FORTRESS, SOGO, Watsons and SASA. Asia Miles requires the most points (15 point= 1 mile), followed by China Eastern Airlines and China Southern Airlines (12 point= 1 mile) and the least is Air China (8 points= 1 mile).

Bank of China Union QuickPass Transactions

BOC Dual Currency Diamond Card and BOC Dual Currency Platinum Card holder can earn 4% and 2 % cash rebate accordingly for Union QuickPass transactions. Both RMB and HKD accounts will be calculated together for Dual currency credit cards (Every CNY¥1= HK$1). The maximum rebates capped at HK$100 per month and it will be credited to the cardholder's account in the following month.

Bank of China Frequently Asked Questions

How to settle credit card spending in RMB/ HKD accounts with BOC Dual Currency Card?

BOC Dual Currency Credit Card offers up to 56 days interest-free repayment period and a range of payment methods, including PPS / Jet Payment / Autopay / BOCHK Internet Banking / BOCHK Mobile Banking , ATMs, and Cash Deposit Machines.

Does UnionPay credit cards save the most when making overseas transaction?

Most UnionPay cards offer HK$0 handling fee for overseas transactions while Visa and MasterCard charge 1.95% handling fee. However, when making overseas transactions, using UnionPay cards may not necessarily be the cheapest. Credit card exchange rate, cash rebate rate and mileage conversion rate should also be considered.

Which BOC cards can be used in China?

BOC Dual Currency Card and BOC UnionPay Dual Currency Platinum Card are widely accepted including hospitals, gasoline stations and supermarkets are also accepted in the mainland. Cardholders can withdraw RMB at cashpoints with UnionPay logo. You can also settle bills in mainland China through BoC Pay/ BOCHK mobile app to access Cross-border Bill Payment Platform.