Balance Transfer Service

"Balance Transfer" Service lets you transfer your outstanding balance from other high interest credit cards/ loans/ overdraft accounts to BOC Credit Card and enjoy up to 56 days interest free period*!


<Limited offer for New Customers>

50% Handling Fee Rebate^


Settle the bill payment by installment to enjoy an extra up to HK$3,000 rebate#


# Only applicable to the "Cash Installment" Plan, "Statement Installment" Plan, or "Online Bill Payment Installment" Plan.
Terms and Conditions apply, please click here for details.


Application method:   


You can pay bills for the category of "Banking and Credit Card Services"/ "Credit Services"/ "Securities Broker" through "Online Bill Payment Service" via (1) internet banking / (2) mobile banking.


(1) Internet Banking



(2) Mobile Banking


Related Products:


Cash Installment 

Provides you with the flxibility to convert your available credit limit into handy cash with a personalized preferential monthly handling fee

Statement Installment 

Repay your newly posted transactions on your latest statement by up to 36 monthly installments

Cash Before Card 

Turn your available credit limit into cash and enjoy up to 56 days interest-free repayment period



* If full payment of the outstanding Current Balance as posted on the monthly statement is received by the Company on or before the Due Date, no interest shall be payable by the customer, otherwise interests, finance charge and other fees, if applicable, shall be charged pursuant to the Credit Card Agreement/ User Agreement.


^Terms and Conditions of BOC Credit Card "Balance Transfer" 50% Handling Fee Rebate:

  1. The promotion runs from 18 April to 30 April 2024.
  2. Not applicable to cardholders who applied for credit card "Balance Transfer" from 11 January to 10 April 2024.
  3. A handling fee of 1% of the transaction amount will be charged for each "Balance Transfer" transaction made through internet banking/mobile banking, and the relevant handling fee will be debited from the designated account once the transaction is confirmed. The handling fee rebate will be credited to the designated account accordingly.
  4. Each cardholder (counted by the number of Proof of Identity) will only be entitled to a maximum of HK$1,000 handling fee rebate during the promotion period.
  5. Subject to terms and conditions, please click here for details.


Terms and Conditions:

The above “Balance Transfer” plan is subject to the relevant Terms and Conditions, please click here for details.


Reminder: To borrow or not to borrow? Borrow only if you can repay!