• Min. Monthly Income


  • Interest Rate

    25.88% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • 0.5% cash rebates on monthly statement
  • Privileges and discounts ranging from retail to dining
  • 2-year annual fee waiver


  • Discounts up to 20% on food bill at selected restaurants


  • 0.5% cash rebates on groceries spend


  • 0.5% cash rebates on petrol


  • 0.5% cash rebates on shopping spend
  • Discounts up to 20% on selected shopping sites and merchants


  • 10% discount at The Escape Hunt Experience Singapore

Other Features

Card Information

Annual Fee $150
Min. Monthly Income Free
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder S$75
Finance charges S$3 or 25.88% p.a.
Goods & Services Tax (GST)

Inclusive in annual fee

Late payment charge

S$55 or 5% of the minimum payment

Cash advance amount

Up to available credit limit

Cash advance charge

6% of the amount withdrawn or S$20, whichever is higher

Cash advance interest charge

Finance charges of 28% p.a. compounded daily until full repayment

Cashback Limit

0.5% of $500 spend limit a month

Rewards points expiry


Product Review by iMoney Singapore

Everyone Can Afford A Credit Card

Bank of China F1RST Card welcomes students and working adults to apply. However, there is only S$500 credit limit for this card. With this card, you will get 0.5% cashback from your monthly bill. Two is better than one! You can now watch movie with your soulmate with paying one movie ticket price only. Not only that, you can also enjoy sweet treats with your loved one for the ‘Buy One Free One’ offer. Get your ice creams at Marble Slab Creamery and cookies at Ben’s Cookies. With using this card at the selected merchants, you are entitled for up to 20% discounts for online shopping, dining and entertainment. BOC has balance transfer service to non-BOC cardholder, you can enjoy 0% interest rate on the first 6 months upon card approval, and with 1.5% processing fee only. Fees and Charges Students who are 18 years old and above do not need to pay for annual fee. Annual fee is required for working adults, $150 for principal cardholder; S$75 for supplementary cardholder. However, a 2 years annual fee waiver will be given to principal cardholder. This card charges on outstanding balances with interest rate of 25.88%, with minimum charge of S$3. Late payment charge will be S$55 per month or 5% per month of the minimum payment, whichever is greater. Minimum monthly payment is S$50 or 3% of your outstanding balances, whichever is greater. Withdrawing cash advance will be charged for S$15 or 6% of amount withdrawn, whichever is greater.

Are You Eligible For Bank of China F1RST Card?

There is no minimum income required for students who age 18 and above. On the other hand, working adults with age 21 and above are required for a minimum monthly income of S$1,500. Bank of China F1RST Card is only eligible to Singaporeans and Singapore permanent residents.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Bank of China Family Rebate Card and Citibank Clear Card, which may match your requirements. If you prefer to broaden your credit card search, see more Bank of China credit cards and start comparing today!