BOC CREDIT CARD / MONEYPLUS APPLICATION FORM
BOC CREDIT CARD / MONEYPLUS APPLICATION FORM Name as in NRIC / Passport(underline surname): Bank of China Singapore Branch Card Centre 24-Hour Customer Service Hotline: 1800 338 5335 Fax No.: 6532 6318 Website: www.bankofchina.com/sg NRIC / Passport No. Your choice of Cards: Annual fee: S$150 Mr Ms Date of Birth (DDMMYYYY): Mdm Mrs Dr BOC CREDIT CARD / MONEYPLUS FUND TRANSFER Yes! I wish to make the following Fund Transfer and enjoy greater savings. BOC DUAL CURRENCY DIAMOND CARD BOC Credit Card(s) account Marital Status: Gender: BOC WORLD MASTERCARD Complimentary with BOC Shop! Card BOC FAMILY REBATE CARD 1 Single 2 Female Divorced Married 3 Male 4 Widowed 4 Amount Requested (min S$1,000) _________________________________________________________ Home Address: Block Unit # Account Holder’s Name ___________________________________________________________________ Street: Name of Bank ___________________________________________________________________________ Postal Code Annual Fee: S$80 (1 Year Fee Waiver) Length of Stay at Address Billing Address: Residential Status: 1 S$60,000 p.a. (Foreigner) Residential Type: 1 Effective interest rate for MoneyPlus account is at 18.55% p.a. or 28.55% p.a. Age - Applicants must be 21 years and above. Documents Required: A copy of NRIC (Front & Back) with the following (please tick accordingly): Salaried Employee - Latest computerised payslip OR latest Income Tax Assessment OR CPF Statement for the last 6 months Self Employed - Income Tax Notice of Assessment for the last 2 years. Commission-based Earner - CPF Statement for the last 6 months OR Income Tax Notice of Assessment for the last 2 years OR commission statement from company for the last 6 months Foreigners: A copy of your valid Employment Pass (valid for at least 9 months), Passport and proof of residence with the above documents. NOTE: The bank reserves the right to request additional information and supporting documents (e.g. ultility bill) from time to time as may be required. Incomplete or unclear application will delay processing. Education Level: Office Rented 2 For BOC Dual Currency Diamond Card, a minimum income of S$50,000 is required. A BOC Travel Card will be issued if you do not meet the minimum requirement. For BOC World MasterCard, a minimum income of S$80,000 p.a. is required. A BOC Great Wall Platinum MasterCard will be issued if you do not meet the minimum requirement. Years Home Terms and conditions apply. Card Expiry Date (MM/YY) __________ / __________ (if applicable) Months MONEYPLUS TERM LOAN APPLICATION Others 3 Employers’ 5 Others Parents’ 4 Mortgaged 6 Owned HDB-3Rm/4Rm 4 Yes! I want to apply for MoneyPlus Term Loan to enjoy lower interest rate. (Please select one of the tenures) 6.38% p.a. for 12 months Private Apt / Condo 7 2 HDB-5Rm/Executive Apt 3 Executive Condo / HUDC 5 Terrace Semi-detached 6 Primary 3 Pre University 5 Degree Secondary 4 Diploma 6 Postgraduate *Mobile Phone No.: 7 Others MY BANKING RELATIONSHIP 6 6 Account Type (savings / current) ______________________________________________ Account No.: ____________________________________________________________ * Email: Overseas Permanent Address (For non-Singaporeans): DECLARATION (IMPORTANT: PLEASE READ BEFORE SIGNING) I/We have read and understood the declaration and authorisation section set out in this form. I/We affirm the said declaration and agree to abide and be bound by the matters stated therein. Name of Company: Checked if self-employed N Please note that by indicating Y in this form, we will communicate to you on such marketing and promotional information via phone/voice call, SMS/MMS, email and/or direct email. CREDIT LIMIT AMOUNT I would like the following option for my credit limit amount. (Please tick accordingly). Credit Cards Banking & Finance Industry/ Business: Hotel Current G Position: P M Government Retail Administrative Professional D Commission Earners Managerial R Length of Employment: Retired O Years Manufacturing FOR BOC CARD CENTRE USE Others: A E Executive V S Sales Card Acct No. Civil Servants Acct Status Code Others: Months Remarks Annual Income: S$ MoneyPlus Name of Previous Employer: I agree to any credit limit amount for my Credit Cards and/or MoneyPlus as determined by BOC’s sole discretion IT / Communications GMs/MDs/CEOs My preferred credit limit: S$ ________________ (min. S$2,000) My preferred credit limit: S$ ________________ (min. S$2,000) Date Principal Card Applicant’s Signature Postal Code No existing relationship Y Account Name ____________________________________________________________ Name of Bank ____________________________________________________________ Office Telephone No.: Address: Do you wish to receive marketing and promotional information about our products and services? For immediate drawdown, please fill in the following: (as shown in your bank account) MY EMPLOYMENT DETAILS Max. 19 characters 8.68% p.a. for 36 months Amount Requested (min. S$1,000) ___________________________________________ 2 Home Telephone No.: 7.38% p.a. for 24 months Upon approval, if your requested loan amount exceeds the approved loan amount, the amount disbursed will be the approved loan amount. Bungalow 1 NAME TO APPEAR ON CREDIT CARD (PLEASE INCLUDE SURNAME) Existing Bank of China customer To Credit Card / Credit Line / Bank Account No. _____________________________________________ (Please do not give P.O Box or Foreign Address) S$100 worth of vouchers with 2 simple steps, from 11 May 2015 till 30 June 2015 1. Apply for at least 3 BOC Credit Cards (excluding BOC Family Rebate Card) and MoneyPlus account 2. Make a minimum spend of S$50 in the first month of approval BOC MoneyPlus account with 1% processing fee (EIR=2.15% p.a.) No. of Dependents: BOC MONEYPLUS Minimum Income: S$30,000 p.a. (Singaporean / PR) Mother’s Maiden Name (for security verification): Nationality: 2 Years Fee Waiver BOC SHOP! CARD Existing Bank of China credit cardholder ADDITIONAL DETAILS MY PERSONAL DETAILS Are you On Contract (Expiry M Y AP ) Permanently Employed 16070002 Previous Position: Length of Previous Employment: *mandatory field Years Months Approved by Bank of China Limited (Incorporated in China) 05/15 Co. Reg S36FC0753G DE CL LI BT Address: SUPPLEMENTARY CARD APPLICATION FORM Your choice of Supplementary Cards: Annual fee: S$75 DECLARATION AND AGREEMENT Important: Please read before signing BOC Credit Card: By signing below, I/we request that a Card Account be opened for me/us and for the Card(s) to be issued, renewed and replaced until the Card Account is terminated. I/We acknowledge and agree that my/our use of the Cards shall be subject to the terms and conditions of the BOC Cardmember Agreement (as may be amended, supplemented and replaced from time to time), including the provisions relating to BOC’s collection, use, disclosure and/or processing of my/our personal data and any amendment and addition made thereto from time to time, and further agree to be bound by the terms and conditions stated therein. I/We understand that a copy of BOC Cardmember Agreement will be sent to me/us by mail with the Card(s) at my/our own risk. Annual Income: S$ 2 Years Fee Waiver Home Telephone No.: BOC SHOP! CARD Mobile Phone No.: Office Telephone No.: 6 6 Email: BOC FAMILY REBATE CARD DECLARATION (IMPORTANT: PLEASE READ BEFORE SIGNING) I/We have read and understood the declaration and authorisation section set out in this form. I/We affirm the said declaration and agree to abide and be bound by the matters stated therein. BOC DUAL CURRENCY DIAMOND CARD By signing below, I/we request that the above-mentioned Supplementary Credit Card to be issued, renewed and replaced until any of us or BOC terminates the Card. BOC WORLD MASTERCARD Principal Card Applicant’s Signature Date Supplementary Card Applicant’s Signature Date PRINCIPAL CARDHOLDER’S DETAILS Name as in NRIC / Passport(underline surname): Mr Ms Mdm Mrs Dr NRIC / Passport No. FOR BOC CARD CENTRE USE SUPPLEMENTARY CARD APPLICANT’S DETAILS Name as in NRIC / Passport(underline surname): NRIC / Passport No. Gender: Female Mr Ms Date of Birth (DDMMYYYY): Male Permanent Residents: Mdm Card Acct No. Mrs Nationality: Yes Remarks No Home Address (if different from Principal Cardholder): AP 16070002 Street: Postal Code (Please do not give P.O Box or Foreign Address) Relationship with Principal Cardholder All applications are subject to approval. Supplementary Card applicant must be at least 18 years and above. Please attach a copy of NRIC (front & back). If applicant’s age is below 18 years, a letter of acceptance from the overseas institution is required. Please also note that the credit limit for the supplementary credit card will be the same as the principal credit card. NAME TO APPEAR ON CREDIT CARD (PLEASE INCLUDE SURNAME) Max. 19 characters MY EMPLOYMENT DETAILS Name of Company: Checked if self-employed DE Approved By: Bank of China Limited (Incorporated in China) 05/15 Co. Reg S36FC0753G Unit # Home Address: Block Acct Status Code Dr CL LI BT MoneyPlus (applicable only if you apply for MoneyPlus): I, as principal applicant, understand that, subject to the discretion of BOC, a MoneyPlus Account may be opened for me upon my successful application of the Card. Where a MoneyPlus Account is made available to me, l agree to be bound by the BOC MoneyPlus Terms and Conditions, (a copy will be made available to me upon the MoneyPlus Account being made available to me), including the provisions relating to BOC’s collection, use, disclosure and/or processing of my personal data, and any amendment and addition made thereto from time to time. Fund Transfer (applicable only if you apply for Fund Transfer): I/We understand that, subject to the discretion of BOC, a Fund Transfer may be made available to me/us upon my /our successful application of the Card. I/We acknowledge that I/we may use the Fund Transfer services upon BOC’s approval and the said services is subject to the Fund Transfer Terms and Conditions. I/We, jointly and severally, (i) represent and warrant that all information given in this application and all documents submitted to Bank of China Limited, Singapore Branch (“BOC”) are complete, true and accurate and belong to BOC absolutely. If any of the given information changes or becomes inaccurate in any way, I/we shall promptly notify BOC in writing of any such change or inaccuracy. (ii) agree that the Principal Card applicant is responsible for all liabilities (including but not limited to annual fees and other charges) which may be incurred in respect of his/her Cards(s) and all Supplementary Card(s) issued at his/her request; each Supplementary Card applicant is responsible only for all liabilities which may be incurred in respect of his/her Supplementary Card(s). (iii) agree that the Card/ATM Card in relation to MoneyPlus Account and personal identification number may be collected by me/us personally at my/our option or be sent to me/us by ordinary mail at my/our sole risk to my/our billing address. (iv) agree and authorise BOC to make payment to any credit card/credit line/bank account(s) held with any banks or financial institutions in Singapore (other than BOC) as stated under Fund Transfer application form herein. (v) confirm that as at the time of this application, I/we am/are not an undischarged bankrupt(s) and there has been no statutory demand served on me/us nor legal proceedings commenced against me/us. (vi) understand that BOC reserves the right to decline this application at its sole discretion without giving any reason and without entering into any correspondence; and to retain all supporting documents submitted for the processing. (vii) authorise BOC to accept and act upon all communications or instructions from me/us via electronic mail or SMS using the email address or Singapore telephone number that I/we may provide now or in the future, with regard to my/our Card/MoneyPlus Account(s) and BOC shall not be liable if it acts upon such communications in good faith. (viii) consent to BOC collecting, using and/or disclosing my/our personal data for one or more of the following purposes: a) considering and/or processing the Cardmember’s application/transaction with the Bank; b) facilitating, processing, dealing with, administering, managing and/or maintaining the Cardmember’s relationship with the Bank, including but not limited to handling feedback or complaint; c) providing Cardmember with the Bank’s services and products, as well as services and products provided by other external providers provided through the Bank; d) carrying out the Cardmember’s instructions or responding to any enquiry given by (or purported to be given by) the Cardmember or on his/her behalf; e) contacting the Cardmember or communicating with the Cardmember via phone/voice call, text message and/or fax message, email and/or postal mail for the purposes of administering and/or managing the Cardmember’s relationship with the Bank such as but not limited to communicating information to the Cardmember related to the Card Account or Card Transaction. The Cardmember acknowledge and agree that such communication by the Bank could be by way of the mailing of correspondence, documents or notices to the Cardmember, which could involve disclosure of certain personal data about the Cardmember to bring about delivery of the same as well as on the external cover of envelopes/mail packages; f) dealing in any matters relating to the services and/or products which the Cardmember are entitled to under any contract with the Bank including performing the contract; g) carrying out credit checks, due diligence or other screening activities (including background checks) in accordance with legal or regulatory obligations or the Bank’s risk management procedures that may be required by law or that may have been put in place by the Bank; h) to prevent or investigate any fraud, unlawful activity or omission or misconduct, whether relating to the Cardmember’s relationship with the Bank or any other matter arising from the Cardmember’s relationship with the Bank, and whether or not there is any suspicion of the aforementioned; i) complying with or as required by any applicable law, governmental or regulatory requirements of any relevant jurisdiction, including meeting the requirements to make disclosure under the requirements of any law binding on the Bank and/or for the purposes of any guidelines issued by regulatory or other authorities, whether in Singapore or elsewhere, with which the Bank is expected to comply; j) complying with or as required by any request or direction of any governmental authority; or responding to requests for information from public agencies, ministries, statutory boards or other similar authorities (including but not limited to the Monetary Authority of Singapore, Inland Revenue Authority of Singapore, Insolvency & Public Trustee’s Office, Commercial Affairs Department and courts). For the avoidance of doubt, this means that the Bank may/will disclose your personal data to the aforementioned parties upon their request or direction; k) conducting research, analysis and development activities (including but not limited to data analytics, surveys and/or profiling) to improve the Bank’s services and facilities in order to enhance the Cardmember’s relationship with the Bank or for the Cardmember’s benefit, or to improve any of the Bank products or services for the Cardmember’s benefit; l) storing, hosting, backing up (whether for disaster recovery or otherwise) of the Cardmember’s personal data, whether within or outside Singapore; m) financial reporting, regulatory reporting, management reporting, risk management (including monitoring risk exposure) audit, record keeping purposes and n) purposes which are reasonably related to the aforesaid. DECLARATION AND AGREEMENT (APPLICABLE ONLY IF YOU CHOOSE TO APPLY FOR SUPPLEMENTARY CARD) 1. 2. 3. 4. 5. 6. 7. 8. I/We warrant that all information given in this application and all documents submitted to Bank of China Limited, Singapore Branch (hereinafter referred to as “BOC” and which term shall include its successors and assigns) are complete, true and accurate and belong to BOC absolutely. If any of the given information changes or becomes inaccurate in any way, I/we shall promptly notify BOC in writing of any such change or inaccuracy. I/We agree that the Principal Cardholder is responsible for all liabilities (including but not limited to annual fees and other charges) which may be incurred in respect of his/her Card(s) and all Supplementary Card(s) issued at his/her request; each Supplementary Cardholder is responsible only for all liabilities which may be incurred in respect of his/her Supplementary Card(s). I/We understand that the terms and conditions of the BOC Cardmember Agreement will be sent with the Card(s) if this application is approved. I/We agree to be bound by such terms and conditions, including the provisions relating to BOC’s collection, use, disclosure and/or processing of my/our personal data and any amendment and addition made thereto from time to time, and further agree to be bound by the terms and conditions stated therein. I/We agree that the Card(s) and personal identification number may be collected by me/us personally at my/our option or be sent to me/us by ordinary mail at my/our sole risk to my/our billing address. I/We confirm that at the time of this application I am/we are not undischarged bankrupt(s) and there has been no statutory demand served on me/us nor legal proceedings commenced against me/us. I/We understand that BOC reserves the right to decline this application at its sole discretion without giving any reason and without entering into any correspondence; and to retain all supporting documents submitted for the processing. I/We authorise BOC to accept and act upon all communications or instructions from me/us via electronic mail or SMS using the email address or Singapore telephone number that I/we may provide now or in the future, with regard to our Card(s) and BOC shall not be liable if it acts upon such communications in good faith. I/We consent to BOC collecting, using and/or disclosing my/our personal data for one or more of the following purposes: a) considering and/or processing the Cardmember’s application/transaction with the Bank; b) facilitating, processing, dealing with, administering, managing and/or maintaining the Cardmember’s relationship with the Bank, including but not limited to handling feedback or complaint; c) providing Cardmember with the Bank’s services and products, as well as services and products provided by other external providers provided through the Bank; d) carrying out the Cardmember’s instructions or responding to any enquiry given by (or purported to be given by) the Cardmember or on his/her behalf; e) contacting the Cardmember or communicating with the Cardmember via phone/ voice call, text message and/or fax message, email and/or postal mail for the purposes of administering and/or managing the Cardmember’s relationship with the Bank such as but not limited to communicating information to the Cardmember related to the Card Account or Card Transaction. The Cardmember acknowledge and agree that such communication by the Bank could be by way of the mailing of correspondence, documents or notices to the Cardmember, which could involve disclosure of certain personal data about the Cardmember to bring about delivery of the same as well as on the external cover of envelopes/mail packages; f) dealing in any matters relating to the services and/or products which the Cardmember are entitled to under any contract with the Bank including performing the contract; g) carrying out credit checks, due diligence or other screening activities (including background checks) in accordance with legal or regulatory obligations or the Bank’s risk management procedures that may be required by law or that may have been put in place by the Bank; h) to prevent or investigate any fraud, unlawful activity or omission or misconduct, whether relating to the Cardmember’s relationship with the Bank or any other matter arising from the Cardmember’s relationship with the Bank, and whether or not there is any suspicion of the aforementioned; i) complying with or as required by any applicable law, governmental or regulatory requirements of any relevant jurisdiction, including meeting the requirements to make disclosure under the requirements of any law binding on the Bank and/ or for the purposes of any guidelines issued by regulatory or other authorities, whether in Singapore or elsewhere, with which the Bank is expected to comply; j) complying with or as required by any request or direction of any governmental authority; or responding to requests for information from public agencies, ministries, statutory boards or other similar authorities (including but not limited k) l) m) n) to the Monetary Authority of Singapore, Inland Revenue Authority of Singapore, Insolvency & Public Trustee’s Office, Commercial Affairs Department and courts). For the avoidance of doubt, this means that the Bank may/will disclose your personal data to the aforementioned parties upon their request or direction; conducting research, analysis and development activities (including but not limited to data analytics, surveys and/or profiling) to improve the Bank’s services and facilities in order to enhance the Cardmember’s relationship with the Bank or for the Cardmember’s benefit, or to improve any of the Bank products or services for the Cardmember’s benefit; storing, hosting, backing up (whether for disaster recovery or otherwise) of the Cardmember’s personal data, whether within or outside Singapore; financial reporting, regulatory reporting, management reporting, risk management (including monitoring risk exposure) audit, record keeping purposes and purposes which are reasonably related to the aforesaid. 10. BOC reserves the right to reject any Fund Transfer application and / or approve only part of the transfer amount requested without assigning any reason or whatsoever. 11. The terms and conditions contained herein are in addition to the terms and conditions in the BOC Cardmember Agreement (“BOC Cardmember Agreement”) and the BOC MoneyPlus Terms and Conditions (“BOC MoneyPlus Terms and Conditions”), which shall continue to apply in full force and effect. In the event of any inconsistency between these terms and conditions and BOC Cardmember Agreement and / or BOC MoneyPlus Terms and Conditions, these terms and conditions shall prevail. 12. If there are any discrepancies or inconsistencies between the English version and the Chinese translation, the English version shall prevail. 13. BOC’s decision on all matters relating to this promotion shall be at its absolute discretion and shall be final and binding on the applicant. 14. BOC is entitled to end this promotion and add or vary any terms and conditions at any time and at its absolute discretion without the giving of notice. All information is correct at the point of print. MONEYPLUS TERM LOAN TERMS AND CONDITIONS 1. 2. 3. 4. 5. 6. 7. 8. Upon completion of your MoneyPlus Term Loan tenure, the MoneyPlus Account prevailing rate will apply. Usage of your MoneyPlus Account available credit limit will be charged at the MoneyPlus Account prevailing interest rate. MoneyPlus Term Loan interest rate is applicable to the approved MoneyPlus Term Loan amount only. Disbursed MoneyPlus Term Loan amount will be rounded down to the nearest hundred. The total MoneyPlus Term Loan amount shall not exceed 90% of the available credit limit on the MoneyPlus Account at the time of application. Interest is calculated on a front end add-on method. MoneyPlus Term Loan interest rates are at 6.38% p.a. for 12-month loan, 7.38% p.a. for 24-month loan or 8.68% p.a. for 36-month loan. Effective interest rates for customers with annual income of S$30,000 and above are at 14.58% p.a. for 12-month loan, 15.40% p.a. for 24-month loan or 17.07% p.a. for 36-month loan while effective interest rates for customers with annual income of S$20,000 to S$29,999 are at 19.46% p.a. for 12-month loan, 17.89% p.a. for 24-month loan or 18.77% p.a. for 36-month loan. A non-refundable processing fee of 2% (if your annual income is S$30,000 and above) or 5% (if your annual income is from S$20,000 to S$29,999) of loan amount or S$75 applies, whichever is higher. An early repayment fee of 1% on the outstanding MoneyPlus Term Loan amount or S$100, whichever is higher, is applicable if the MoneyPlus Term Loan is terminated or if the Customer makes the early repayment of the MoneyPlus Term Loan before expiry of the MoneyPlus Term Loan tenure. To initiate early repayment before expiry of the MoneyPlus Term Loan tenure, the Customer shall inform BOC of such repayment in writing. Otherwise, monthly instalments will continue to be effected. BOC may vary the interest rate chargeable, the basis of calculation of the interest rates, fees, charges or vary the terms and conditions at any time at BOC’s sole discretion and without giving any reason therefore. BOC JANUARY – JUNE 2015 CREDIT CARD / MONEYPLUS FUND TRANSFER TERMS AND CONDITIONS 1. 2. 3. 4. 5. 6. 7. 8. 9. The minimum transfer sum is S$1000 or such other amounts as determined by Bank of China Limited, Singapore Branch (“BOC”) at its discretion (the “transfer amount”). No cancellation or change of the transfer amount will be allowed after submission of your application. This promotional fund transfer facility is available to BOC Credit Card / MoneyPlus account(s) holder only. The applicant shall submit this application form with the relevant promotional code by 30 June 2015. BOC Credit Card / MoneyPlus Fund Transfer is available to BOC Credit Card / MoneyPlus account(s) holder with an annual income of at least S$30,000 at the point of BOC Credit Card / MoneyPlus Fund Transfer application. BOC shall, on its approval of each Fund Transfer application, charge the non-refundable processing fee on the fund transfer amount from the eligible applicant’s BOC Credit Card and/or MoneyPlus account(s). BOC Credit Card / MoneyPlus Fund Transfer is applicable to any credit card/credit line/bank account(s) held with any bank or financial institution in Singapore, other than BOC. The credit card/ credit line/bank account(s) to be credited must be in the name of the applicant. BOC will not accept any fund transfer application in a foreign currency. Each BOC Credit Card / MoneyPlus Fund Transfer application is subject to the applicant’s BOC Credit Card / MoneyPlus account(s) being in good standing, as determined by BOC at its discretion. Should the applicant’s BOC Credit Card / MoneyPlus account(s) not be in good standing at any time, BOC reserves the right to adjust the interest rate applied to the fund transfer. Should the transfer amount requested exceed the applicant’s approved credit limit on the applicant’s BOC Credit Card / MoneyPlus account(s) at the time of the application, BOC will determine the final approved amount to be transferred at its sole discretion and BOC’s decision shall be final and binding on the applicant. The applicant shall continue to make payment to their other bank credit card/credit line account(s) which the BOC Credit Card / MoneyPlus Fund Transfer relates, until such other bank credit card/credit line/bank account(s) have been credited with funds by BOC. BOC bears no responsibility for any overdue payment or interest incurred arising from any delay in the said Fund Transfer. In addition, any charges, fees, interest or losses incurred by BOC in connection with the applicant’s Fund Transfer, including without limitation, any fees and charges whatsoever and howsoever imposed by the bank or financial institution of the applicant’s credit card/credit line account(s), shall be borne solely by the applicant. 0% interest rate is applicable only to the amount approved and transferred and not to existing outstanding balances or amount(s) subsequently incurred on the applicant’s BOC Credit Card / MoneyPlus account(s). 0% interest rate will expire on the last day of the promotional fund transfer tenure or when the approval amount is fully paid, whichever is earlier. Thereafter, BOC Credit Card / MoneyPlus prevailing interest rate or such other rates as BOC may stipulate from time to time, shall apply on all outstanding amounts. BOC reserves the right to vary the interest rate chargeable and the basis of interest calculation at any time. By making this BOC Credit Card / MoneyPlus Fund Transfer application, the applicant agrees to be liable for the total Fund Transfer amount and processing fee. BOC Credit Cards / 中银信用卡 Credit Card Useful Information 信用卡注意事项 Interest free period 23 days from statement date if bills are paid in full Interest on purchases (where applicable) 2.16% per month (EIR: 25.88% p.a.); min. ¥/S$3.00, if payment is not made in full by due date Interest on cash advances 2.34% per month (EIR: 28% p.a.); min. ¥/S$3.00, compounded daily and levied on the amount withdrawn from the withdrawal date until receipt of full payment For full payment of cash advance, please call 24hr customer hotline at 1800 338 5335 Minimum monthly payment 3% of the monthly balance outstanding, plus any outstanding Minimum Payment Sum, plus the amount in excess of the Credit Limit, or ¥/S$50, whichever is greater Late payment charges 5% of the Minimum Payment Sum or ¥/S$55 per month, whichever is higher; if min. monthly payment is not made by due date Annual membership fee S$150 (principal card), S$75 (supplementary card) Cash advance fee ¥/S$15 or 6% of amount withdrawn, whichever is greater Fees for foreign currency transactions Our administrative fee: up to 1.5% of transaction amount Visa/ MasterCard/ UnionPay Cross-border fee: Additional 1% /1% /0.6% of transaction amount Dynamic currency conversion fee All Visa or MasterCard transactions effected in Singapore dollars and processed overseas are levied a fee of 0.8% by Visa and 1% by MasterCard International respectively. Payment hierarchy Payment made to the credit cardmember’s account will be settled in the following order, with 1 being the highest priority for settlement: 1. Cash Advance 2. Retail Transaction 3. FlexiBalance/ Instalment Payment Plan (IPP) 4. Fund Transfer Lost/stolen card liability Max. S$100 liability if Cardmember has not acted fraudulently / grossly negligent / failed to inform Bank promptly. For details, please visit www.bankofchina.com/sg MoneyPlus Useful Information 易达钱注意事项 Nationality Singaporean OR Permanent Resident Foreigner Annual income S$20,000 - S$29,999 S$60,000 and above Interest charges MoneyPlus Line of Credit 2.38% per month (EIR: 28.55% p.a.); min. S$10 S$30,000 and above 1.55% per month (EIR: 18.55% p.a.); min. S$10 Interest shall be charged on a daily basis from the date of transaction, subject to a minimum of S$10 per month on the whole balance, including any subsequent debit entries, until payment is credited, and on the reduced balance thereafter until full settlement of the whole balance outstanding MoneyPlus Term Loan 12 months tenure - 6.38% p.a. (EIR: 19.46% p.a.) OR 12 months tenure - 6.38% p.a. (EIR: 14.58% p.a.) OR 24 months tenure - 7.38% p.a. (EIR: 17.89% p.a.) OR 24 months tenure - 7.38% p.a. (EIR: 15.40% p.a.) OR 36 months tenure - 8.68% p.a. (EIR: 18.77% p.a.) 36 months tenure - 8.68% p.a. (EIR: 17.07% p.a.) AND processing fee at 5% of loan amount or S$75 applies, whichever is greater AND processing fee at 2% of loan amount or S$75 applies, whichever is greater Minimum monthly payment 3% of the monthly balance outstanding, plus any outstanding Minimum Payment Sum or S$50, whichever is greater Late payment charges 2% of the Minimum Payment Sum or S$80 per month, whichever is higher; if min. monthly payment is not made by due date Annual membership fee S$80 (Prevailing GST is applicable) Payment hierarchy Payment made to the MoneyPlus cardmember’s account will be settled in the following order, with 1 being the highest priority for settlement: 1. MoneyPlus Term Loan 2. MoneyPlus Line of Credit 3. MoneyPlus Fund Transfer Lost/stolen card liability The Cardmember shall not be liable for any transactions carried out after the Bank has been notified of the loss / theft / unauthorised use of the card. For details, please visit www.bankofchina.com/sg Note: Fees in ¥ are only applicable to BOC Dual Currency Diamond Card RMB account. There may be circumstances in which you have to pay other fees. See the full list of terms and conditions (Cardmember Agreement): http://www.bankofchina.com/sg Bank of China Credit Cards for your every need. 中银信用卡，满足您的生活所需。 Website: www.bankofchina.com/sg I 24hr Customer service hotline: 1800 338 5335 Scan to follow us on WeChat for more promotions!
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