8. Can the Gift Points of my other Credit Card and account(s) be combined with those of my BOC Dual Currency Card or Smart / Payment Account which has been selected during a transaction?

Gift Points will first be deducted from the selected BOC Dual Currency Card or Smart / Payment Account. If the Gift Points in the selected account is insufficient to offset the transaction, the system will automatically deduct the remaining Gift Points from your other credit card account(s) (including UnionPay / Visa / MasterCard) or Smart / Payment Account, starting with the Gift Points which will expire soonest.

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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!