BOC NVMO Card
Spend at least S$800 per billing cycle: 10% dining; 8% eligible MY / ID in-store, travel-booking platforms, streaming and concerts; 3% selected transport, grocery and online spend; 3% healthcare / pet care; 1% insurance. Each group has a S$25 rebate cap.
Benefits & important limits
- Spend at least S$800 per billing cycle: 10% dining; 8% eligible MY / ID in-store, travel-booking platforms, streaming and concerts; 3% selected transport, grocery and online spend; 3% healthcare / pet care; 1% insurance. Each group has a S$25 rebate cap.
- Other eligible purchases earn 0.3% without a cap. Below the S$800 threshold, the base 0.3% applies. Formerly BOC Family Card; current NVMO benefits are not the old Family schedule.
Fees & repayments
- Principal annual fee (GST included)
- S$207.10
- Fee waiver
- First 1 year 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: 21+
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.