BOC Zaobao Credit Card
Unlimited 1.5% rebate on eligible local and overseas purchases excluding RMB, with no minimum spend. S$400 per billing cycle unlocks up to 10% on eligible SPH newspaper subscriptions and 5% dining, capped at S$30 per cycle for the bonus programme.
Benefits & important limits
- Unlimited 1.5% rebate on eligible local and overseas purchases excluding RMB, with no minimum spend. S$400 per billing cycle unlocks up to 10% on eligible SPH newspaper subscriptions and 5% dining, capped at S$30 per cycle for the bonus programme.
- RMB retail purchases have no currency-exchange fee under the dual-currency rules. UnionPay acceptance and repayment-currency choices differ from Visa cards.
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: 21+
Application documents ↗Overseas & FX fees
RMB retail purchases have no currency-exchange fee under the dual-currency rules. UnionPay acceptance and repayment-currency choices differ from Visa cards.
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.