• Min. Monthly Income


  • Interest Rate

    25.88% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • Earn up to 5% cash rebate on your everyday spend
  • Up to 50% discounts for family-oriented activities at selected merchants
  • 2 years annual fee waiver


  • 5% cash rebates on groceries at selected supermarkets


  • Up to 1% cash rebate on petrol


  • Up to 5% cash rebate on shopping at selected partners
  • Complimentary BOC Shop! Card


  • Up to 50% discounts at selected family-oriented merchants


  • Savings up to S$100 at selected travel partners

Other Features

Card Information

Annual Fee $150
Min. Monthly Income $2,500
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6% of the amount withdrawn or S$20, whichever is higher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

$100 a month

Rewards points expiry

Product Review by iMoney Singapore

A Family + Cashback Card

You can now use Bank of China Family Rebate Card to spend on your family’s needs and wants with earning more cashbacks. This card offers you a 5% cashback when you spend on selected merchants in Singapore, such as Watsons, NTUC, Popular Bookstore and etc. Plus, you will also earn up to 1% cashback with spending on anything! Besides, you will also get up to 50% discounts from selected merchants, which are very family-oriented! You will get discounts on shopping, dining, recreation, enrichment, travelling and also hotel. Thus, you will not only get to spend more quality time with your beloved family, but also get to enjoy at a lower rate. With applying this card, you will also get a complimentary BOC Shop! Card, which provides you more cashback when you shop offline and online. Besides, this card is also helping you to earn up to 1% cash rebates when you are spending on petrol at any of the petrol stations. You may consolidate all your outstanding balances with transferring from your existing card with balance transfer programme. Repay all your outstanding balances within the first 6 months upon card approval, with 0% interest rate! Plus, you will also need to pay for the processing fee with only 1.5% of your transaction amount.

Fees and Charges

Bank of China Family Rebate Card’s comes with a 2 year annual fee waiver, which means you do not need to pay for annual fee for the first two years. For the following year, you will need to pay S$150 for renewing your principal card. On the other hand, you will need to pay S$75 for supplementary card. Interest will be charged on your outstanding balances, with a minimum charge of S$3 or 25.88% per annum. Thus, it is advisable for you to make payment before the payment due date. For withdrawing cash advance, 6% of amount withdrawn or S$15 will be charged, whichever is higher. You will need to take note on late payment charge too, a 5% per month of the minimum payment or S$55 per month, whichever is higher. Minimum monthly payment is computed as 3% of the monthly balance outstanding or S$50, whichever is higher.

Are You Eligible For Bank of China Family Rebate Card?

You will need a minimum monthly income of S$2,500 if you are a Singaporean or a permanent resident; S$5,000 if you are a foreigner. For principal card applicant, you must be age 21 and above; for supplementary applicant, you must be age 18 and above.

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 Shop! Card and POSB Everyday 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!