BOC Dual Currency Card

For the "BOC Credit Card Key Facts Statement", please click here.

BOC Dual Currency Card takes you voyage on a trip around the Greater Bay Area with benefits of up to 4% Cash Rebate with spending via mobile payment transactions.


Welcome Offer

From now until 31 December 2021, successful new applicant can enjoy:

  • 10% Cash Rebate for Mobile Spending* or
  • HK$500 Cash Rebate^
  • Interest-Fee Cash Installment Loan up to HK$80,000 (Not applicable to online application)

*Application to new credit cardholders to spend via mobile payment transactions within the first 3 months of card issuance, Maximum Rebate: HK$300

 ^Application to new credit cardholders and required to accumulate designated spending of HK$8,000 or above within the first 2 months of card issuance, and including at least one mobile payment transaction

 (Applicants who are existing cardholders of BOC Credit Card and/or BOC Dual Currency Credit Card (Additional Card, Business Card, Commercial Card, Intown Virtual Card, BOC Great Wall International Credit Card, US Dollar Card, Credit Card issued in Macau SAR and Private Label Card are all excluded), or have cancelled the above cards or were once cardholders of the above cards in the 12 months prior to the date of application will not be entitled to the welcome offer upon approval of application.)

「Terms and Conditions of Welcome Offers」 and 「Terms and Conditions for Installment Programs」


Up to 4% Cash Rebate for Spending via Mobile Payment Transactions


BOC Dual Currency Diamond Card and BOC Dual Currency Platinum Card can bring you 4% Cash Rebate and 2% Cash Rebate respectively with spending via mobile payment transactions.

BOC Dual Currency Card 4%/2% Cash Rebate Offer Terms and Conditions



Contactless Payment Function for the Public Transport Systems# Stands You in Good Stead in Getting around the Greater Bay Area Stress free  

Swipe the card to take the Guangzhou-Shenzhen China Railway Highspeed Rail1;Ride the Guangzhou/Shenzhen Metro simply by a single swipe; Swipe the card or scan the Mobile QR Code to get across the Hong Kong–Zhuhai–Macau Bridge2;Support mobile payment for designated routes for High Speed Rail/Bus/Ferry and Shenzhen Taxi3; 

Details on Contactless Payment Functions

0% Handling Fee for Overseas Spending

You can enjoy 0% handling fee offer for overseas spending for even greater shopping pleasure.

Bind Dual Currency Credit Card with BoC Pay to enjoy QR Code Payment

  • Download BoC Pay app and bind it with BOC Dual Currency Credit Card to enjoy QR Code payment at merchants in Hong Kong and the mainland.
  • Convert your Points into Cash: Pay with Points at BoC Pay merchants and merchants accepting UnionPay QR code, and offset spending with every dollar! 

Flexible payment of various types of bills online in the Greater Bay Area

You can simply access Cross-border Bill Payment Service via BoC Pay mobile application to make payment of various types of public service bills such as water, electricity, fuel and television fees in the Greater Bay Area anytime anywhere with your BOC Dual Currency Card!

Please click here for further details about “Accepting Merchants”

Airport Limousine Transfer in Hong Kong, Shanghai, Beijing and Cross border to Shenzhen Airport# (Applicable for BOC Dual Currency Diamond Card)

Enjoy the following unparalleled privileges at the exclusive rate of HK$250 per trip by using BOC Dual Currency Diamond Card.

Offer Details

Access to LoungeKey Airport Lounge# (Only Applicable for BOC Dual Currency Diamond Card)

Enjoy 3 times access to LoungeKey Airport Lounges in the mainland, Hong Kong, Macau and Taiwan after accumulating spending of HK$12,000 or above for two consecutive months with BOC Dual Currency Diamond Card.

Offer Details


Exclusive Personal Concierge Service for Dual Currency Card#

Personal Concierge Service is now ready to serve BOC Dual Currency Card Cardholders. For details, please visit the website:

Exclusive Merchant Offers

  • Experience exclusive offer at Greater Bay Area merchant outlets


  • Exclusive offer of  Starbucks in Mainland China



Other Offers

  • Annual Fee Offer
    Perpetual annual fee waiver for both main and additional cards
  • Contactless Payment Function
    UnionPay QuickPass contactless payment function provides you with hassle-free card spending worldwide where UnionPay QuickPass is accepted. Simply tap the card against the reader to settle any transaction of HK$/CNY1,000 or below without the need of signature verification. For details, please visit
  • Dual Currency in one card for greater flexibility
    BOC Dual Currency Card consists of both Renminbi (RMB) and Hong Kong Dollar (HKD) credit card accounts. Transactions conducted in the mainland will be settled in RMB while those transactions conducted in Hong Kong and overseas will be settled in HKD, enabling you to save currency conversion cost.
  • Wide Acceptance Across the Globe by Over 45 Million Merchants 
    BOC Dual Currency Card are widely accepted by over 45 million merchant outlets in 162 countries and regions, including large-scale department stores, chain stores, hotels and fine dining restaurants. Hospitals, gasoline stations and supermarkets are also accepted in the mainland.
  • Pre-set RMB credit limit service for greater security
    You can pre-set the monthly credit limit of RMB account for both the main card or/and the additional card.
  • Pre-set Credit Limit for Additional Card
    Each main cardholder can apply for a maximum of 9 additional cards and pre-set the credit limit for each of them.
  • Global cash withdrawal service
    With BOC Dual Currency Card, you can enjoy global cash withdrawal services* at more than 1.6 million ATMs marked with UnionPay logo. Moreover, you can withdraw cash at branches of the corresponding banks (BOCHK Group, NCB or CYB) which is shown on the front of credit card for greater convenience. (You shall perform activation in advance through appropriate channels to enjoy ATM services outside Hong Kong for travel or business trip.)
    * Global cash withdrawal service is subject to withdrawal restrictions imposed by the local banks of respective regions. RMB cash withdrawal services in Hong Kong are only available at the ATMs marked with "RMB available at this ATM" logo.
    For details on cash advance service fees, please refer to the "BOC UnionPay Dual Currency Credit Card Fees Schedule".
  • Rewards whenever you spend
    You can earn 1 Gift Point upon HK$1 / CNY 1 spending with your card. You can choose whatever you love from a variety of rewards. Please click here for more details.

# For details, please visit The offer is provided by UnionPay International and subject to related Terms and Conditions.

BOC Credit Card (International) Ltd (the "Company") accepts no liability for the quality of or any other matters relating to the products and services provided by UnionPay International and the merchants. The merchants are solely responsible for all obligations and liabilities relating to the products and services on offer. The Company, UnionPay International and the merchants reserve the right to suspend, change, or terminate the offers or amend the offer terms and conditions at their sole discretion without prior notice. All matters and disputes will be subject to the final decision of the Company, UnionPay International and the merchants.

For details,  please call 24-hour Promotion Hotline: (852) 2108 3288.

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

  • The above products, services and offers are subject to the relevant terms.
  • The Company reserves the right to amend, suspend or terminate the above products, services and offers, and to amend the relevant terms at any time at its sole discretion.
  • In case of any dispute, the decision of the Company shall be final.
  • Should there be any discrepancy between the English and Chinese versions of this promotion material, the Chinese version shall prevail.