3. Can I use Gift Points from my Credit Card(s), Smart Account and Payment Account together? What can be redeemed with Gift Points?

You can use Gift Points of your Credit Card(s), Smart Account and/or Payment Account for redemption. With BoC Pay, you can redeem Gift eVouchers or use Gift Points to offset your spending. Through other channels, you can redeem "Cash Rebate", gift voucher, mileages awards and "Instant Rewards" at merchants with physical stores (Credit Card must be set as your master account). For more details, please visit:

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BoC Pay is accepted by merchants with the label shown below.
Reminder: To borrow or not to borrow? Borrow only if you can repay!