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4. What are the service hours of "Cross-border Remittance"?

Unless otherwise specified, Smart Account/Payment Account Gift Points will expire in 1 year.

In addition, the maximum retention period for Gift Points for BOC Visa Infinite Card and BOC CUP Dual Currency Diamond Card is up to 3 years. The maximum retention period for Gift Points for BOC World MasterCard, BOC Visa Signature Card and BOC Platinum Card type is up to 2 years. The maximum retention period for Gift Points for other card types is up to 1 year.

The retention period of your Gift Points can be enquired via but not limited to BoC Pay or BOCHK Personal Mobile Banking.

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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!