Smart /Payment Account: Make payments to merchants or make bill payments to Gift Points. (for more details, please refer to the BOC Credit Card "Terms and Conditions of Gift Point Rewards Program").

BOC Dual Currency Card: Make merchant payments in HKD/RMB via BoC Pay to earn 1 Gift Point per HKD1/ RMB¥1 spent (for more details, please refer to the BOC Credit Card "Terms and Conditions of Gift Point Rewards Program").

Whether the transaction is posted, cancelled subsequently, partly or fully, refunded or reversed, it will not be eligible for Gift Points.