BOC F1RST Card
0.5% rebate on up to S$500 billed each monthly statement. Student route: age 18+, no minimum income, including foreign students. Working route: age 21+, Singapore citizen / PR and at least S$18,000 yearly income.
Benefits & important limits
- 0.5% rebate on up to S$500 billed each monthly statement. Student route: age 18+, no minimum income, including foreign students. Working route: age 21+, Singapore citizen / PR and at least S$18,000 yearly income.
Fees & repayments
- Principal annual fee (GST included)
- S$207.10
- Fee waiver
- First 2 years waived; renewal follows issuer conditions.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Eligibility & work passes
Age 21+. Singapore citizens / PRs generally need S$30,000 yearly income; foreigners S$60,000. The application form requests passport, work / visit / employment pass with at least nine months remaining validity, address and income documents. Exact pass acceptance remains subject to BOC assessment.
Principal age: 18+
Application documents ↗Overseas & FX fees
Standard foreign-currency fees are 3% for Visa / Mastercard (2% bank + 1% network) and 3.2% for UnionPay (2.4% bank + 0.8% network). A CNY sub-account waiver on selected dual-currency cards is a separate, currency-specific benefit.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.