Best Bank of China Credit Cards in Hong Kong 2021

Bank of China credit cards are unusual in that several of them offer competitive miles rewards rates as well as cash rebates for spend in certain categories. Our experts analysed every BOC credit card in Hong Kong to determine the best fit for you based on whether you’re looking for top miles rates, online cashback or rewards for local transactions.

Best Bank of China Credit Cards for Air Miles
Best Bank of China Credit Cards for Online Spending
Best Bank of China Credit Cards for Local Spending

Compare Best Standard Chartered Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best cash rebate credit cards on the market to estimate each card's value to consumers after 2 years, accounting for rebates and netting out annual fees. Note that value-to-consumer calculations depend heavily on individual spending habits, and intangible benefits like free travel insurance and airport lounge access are valuable but difficult to quantify.

A graph displaying how best Bank of China credit cards compare to one another in terms of their rewards
Best Bank of China Credit Cards in Hong Kong by Estimated 2-Year Dollar Value
Best Bank of China Credit Cards for Air Miles Best Bank of China Credit Cards for Online Spending Best Bank of China Credit Cards for Local Spending

Compare Bank of China Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best Bank of China credit cards on the market to estimate each card's value to consumers after 2 years, accounting for rebates and netting out annual fees. Note that value-to-consumer calculations depend heavily on individual spending habits, and intangible benefits like free travel insurance and airport lounge access are valuable but difficult to quantify.

A graph displaying how best Bank of China credit cards compare to one another in terms of their rewards
Best Bank of China credit cards in Hong Kong by Estimated 2-Year Dollar Value

Best Bank of China Credit Cards for Air Miles

If you are looking for competitive miles rates across all of your spending, these BOC credit cards might be a good fit for you. While many competitors only offer travel perks to consumers with very high incomes, Bank of China's cards provide benefits like complimentary lounge visits without high income requirements.

BOC Hong Kong Airlines Visa Platinum Card: Top Miles Rewards and Travel Perks for HKA Flyers

  • Up to 1.25mi/HK$1 on dining + rewards for SC banking activity
  • Promotions: Receive 13k FWC points w/ HK$13k spend & 3 mobile pay in 1st 3mo, OR:
  • Receive 8k FWC points w/ HK$8k spend & 3 mobile pay in 1st 3mo
  • Receive 2k FWC pts (up to 18k) for every additional card application
  • Receive 2k FWC points w/ online application
  • Read Our Full Review
Consumers who frequently fly Hong Kong Airlines and are looking for convenient travel perks should definitely consider BOC Hong Kong Airlines Visa Platinum Card. Cardholders earn 0.167 FWC points per HK$1 general spend, boosted to 0.250 FWC points for every dollar spent online and overseas. These rates are well above the market average of 0.067 miles per HK$1 spend.


Cardholders will also receive substantial miles rewards for bookings with Hong Kong Airlines. Consumers earn 500 FWC points for booking flights costing at least HK$5k, with an additional 500 FWC Points for every additional HK$5k increase in purchase amount.

For example, cardholders earn an extra 500 FWC points on single transactions between HK$5k and HK$9.99k, 1,000 FWC points on transactions between HK$10k and HK$14.99k, and so on. FWC points are affiliated with Hainan Airlines and other mainland China carriers, and have roughly the same value as Asia Miles.

In addition to miles rewards, BOC Hong Kong Airlines Visa Platinum Card grants cardholders 5 free lounge visits per year before their HKA flights without the spending requirements of many other cards. If you are a Hong Kong Airlines loyalist looking for great miles rewards, you should definitely consider this card.

  • HK$150k min. annual salary
  • Annual Fee: HK$1.6k, 2-yr waiver
  • 0.250 FWC points per HK$1 overseas & online spend
  • 0.167 FWC points per HK$1 local spend
  • Note: 1 FWC point is worth approximately 1 Asia Mile
  • 5 free VIP lounge visits/yr at HKIA when flying with HKA
  • Receive extra FWC points for booking HKA flights through app or website
  • Stand-Out: Bonus FWC points on HKA bookings through app or website
  • Promotions: Receive 13k FWC points w/ HK$13k spend & 3 mobile pay in 1st 3mo, OR:
  • Receive 8k FWC points w/ HK$8k spend & 3 mobile pay in 1st 3mo
  • Receive 2k FWC pts (up to 18k) for every additional card application
  • Receive 2k FWC points w/ online application
  • Read Our Full Review
Consumers who frequently fly Hong Kong Airlines and are looking for convenient travel perks should definitely consider BOC Hong Kong Airlines Visa Platinum Card. Cardholders earn 0.167 FWC points per HK$1 general spend, boosted to 0.250 FWC points for every dollar spent online and overseas. These rates are well above the market average of 0.067 miles per HK$1 spend.


Cardholders will also receive substantial miles rewards for bookings with Hong Kong Airlines. Consumers earn 500 FWC points for booking flights costing at least HK$5k, with an additional 500 FWC Points for every additional HK$5k increase in purchase amount.

For example, cardholders earn an extra 500 FWC points on single transactions between HK$5k and HK$9.99k, 1,000 FWC points on transactions between HK$10k and HK$14.99k, and so on. FWC points are affiliated with Hainan Airlines and other mainland China carriers, and have roughly the same value as Asia Miles.

In addition to miles rewards, BOC Hong Kong Airlines Visa Platinum Card grants cardholders 5 free lounge visits per year before their HKA flights without the spending requirements of many other cards. If you are a Hong Kong Airlines loyalist looking for great miles rewards, you should definitely consider this card.

  • HK$150k min. annual salary
  • Annual Fee: HK$1.6k, 2-yr waiver
  • 0.250 FWC points per HK$1 overseas & online spend
  • 0.167 FWC points per HK$1 local spend
  • Note: 1 FWC point is worth approximately 1 Asia Mile
  • 5 free VIP lounge visits/yr at HKIA when flying with HKA
  • Receive extra FWC points for booking HKA flights through app or website

BOC Dual Currency Diamond Card: Top Mobile Cashback and Excellent Travel Perks

  • 4% rebate on mobile pay and travel perks
  • Promotions: Receive HK$10 cashback on every HK$30+ mobile pay in 1st 2mo (max HK$300), OR:
  • Receive HK$500 cashback w/ HK$8k min. spend in 1st 2mo
  • Interest-free Cash installment of up to HK$80k (not applicable to online application)
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
BOC Dual Currency Diamond Card offers consumers one of the highest cashback rebates on the market for local and overseas mobile spending. Our analysis of this BOC credit card shows that its flexible rewards programme, dual currency capability and airport perks makes it a great choice for regional travellers with a limited budget.


Cardholders earn 4% cashback when transacting with mobile pay as well as 0.067 miles per HK$1 spend of 0.4% cashback on other purchases. What’s more, you can enjoy great travel perks like free airport lounge visits and discounted limo service with this BOC card. Overall, this card is a great choice for spending overseas and maxing our rewards with a digital wallet.

  • HK$200k min. annual salary
  • Annual Fee: free
  • 0.067 miles per HK$1 general spend
  • 4% cashback on mobile pay
  • Dual Currency: HKD and RMB spend separately billed
  • Complimentary airport lounge access with spending requirements
  • Discounted limousine service in Hong Kong, Beijing and Shanghai
  • Stand-Out: 4% rebate on mobile pay and travel perks
  • Promotions: Receive HK$10 cashback on every HK$30+ mobile pay in 1st 2mo (max HK$300), OR:
  • Receive HK$500 cashback w/ HK$8k min. spend in 1st 2mo
  • Interest-free Cash installment of up to HK$80k (not applicable to online application)
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
BOC Dual Currency Diamond Card offers consumers one of the highest cashback rebates on the market for local and overseas mobile spending. Our analysis of this BOC credit card shows that its flexible rewards programme, dual currency capability and airport perks makes it a great choice for regional travellers with a limited budget.


Cardholders earn 4% cashback when transacting with mobile pay as well as 0.067 miles per HK$1 spend of 0.4% cashback on other purchases. What’s more, you can enjoy great travel perks like free airport lounge visits and discounted limo service with this BOC card. Overall, this card is a great choice for spending overseas and maxing our rewards with a digital wallet.

  • HK$200k min. annual salary
  • Annual Fee: free
  • 0.067 miles per HK$1 general spend
  • 4% cashback on mobile pay
  • Dual Currency: HKD and RMB spend separately billed
  • Complimentary airport lounge access with spending requirements
  • Discounted limousine service in Hong Kong, Beijing and Shanghai

BOC Dual Currency Platinum Card: Rapid Miles and Cashback for Mobile Pay

  • 0.067 miles/HK$1 general spend and 2% rebate on mobile pay
  • Promotions: Receive HK$10 cashback on every HK$30+ mobile pay in 1st 2mo (max. HK$300), OR:
  • Receive HK$500 cashback w/ HK$8k min. spend in 1st 2mo
  • Interest-free Cash installment of up to HK$80k (not applicable to online application)
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
BOC Dual Currency Platinum Card offers modest miles rewards on your spend plus a respectable cashback rebate for mobile payments. If you are someone with a limited budget looking to maximize cashback potential by making purchases with select payment methods, you should consider this credit card.


This BOC card’s 0.067 miles rate is relatively low by market standards — you can earn more than twice that rate with a competitor card like Standard Chartered Asia Miles Mastercard. However, making mobile payments with this BOC card will earn 2% cashback on top of the miles rewards, making it very competitive. Consumers should note that monthly cashback is capped at HK$100, which is reached after HK$5,000 spend. As wealthier cardholders typically exceed that every month, this card’s benefits are best suited for low income consumers.

Mainland China travellers will benefit from this card’s separate billing for HKD and RMB spend, resulting in no foreign transaction fee. Altogether, BOC Dual Currency Platinum card is a good choice for low income consumers, but you must spend with a digital wallet to access the top cashback rates.

  • HK$150k min. annual salary
  • Annual Fee: free
  • 0.067 miles per HK$1 general spend
  • 2% cashback on mobile pay
  • Dual Currency: HKD and RMB spend separately billed
  • Stand-Out: 0.067 miles/HK$1 general spend and 2% rebate on mobile pay
  • Promotions: Receive HK$10 cashback on every HK$30+ mobile pay in 1st 2mo (max. HK$300), OR:
  • Receive HK$500 cashback w/ HK$8k min. spend in 1st 2mo
  • Interest-free Cash installment of up to HK$80k (not applicable to online application)
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
BOC Dual Currency Platinum Card offers modest miles rewards on your spend plus a respectable cashback rebate for mobile payments. If you are someone with a limited budget looking to maximize cashback potential by making purchases with select payment methods, you should consider this credit card.


This BOC card’s 0.067 miles rate is relatively low by market standards — you can earn more than twice that rate with a competitor card like Standard Chartered Asia Miles Mastercard. However, making mobile payments with this BOC card will earn 2% cashback on top of the miles rewards, making it very competitive. Consumers should note that monthly cashback is capped at HK$100, which is reached after HK$5,000 spend. As wealthier cardholders typically exceed that every month, this card’s benefits are best suited for low income consumers.

Mainland China travellers will benefit from this card’s separate billing for HKD and RMB spend, resulting in no foreign transaction fee. Altogether, BOC Dual Currency Platinum card is a good choice for low income consumers, but you must spend with a digital wallet to access the top cashback rates.

  • HK$150k min. annual salary
  • Annual Fee: free
  • 0.067 miles per HK$1 general spend
  • 2% cashback on mobile pay
  • Dual Currency: HKD and RMB spend separately billed

Best Bank of China Credit Cards for Online Spending

This BOC credit card offers one of the best rates for mobile and online spend on the market. If you are someone who is willing to only use your credit card for specific kinds of purchases, this may be the right choice for you.

BOC i-card: Top Miles Rewards and No-Hassle Spend in Mainland China

  • 0.667 miles/HK$1 online & mobile pay, waived annual fee
  • Promotions: Receive HK$10 cashback on every HK$30+ mobile pay in 1st 2mo (max HK$300), OR:
  • Receive HK$500 cashback w/ HK$8k min. spend in 1st 2mo
  • Interest-free Cash installment of up to HK$80k (not applicable to online application)
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
BOC i-card is a competitive miles card for average income earners who make purchases in select categories. Currently, cardholders earn 0.667 miles per HK$1 online and mobile spend–one of the highest miles rates on the market. While it’s worth noting that consumers are limited to 10,000 extra bonus points (666.67 miles) per month, there’s no better option for lower or average spenders to quickly earn miles.


This card also offers great shopping perks like 0% interest instalment plans with select merchants, allowing consumers to pay for larger purchases over several months. BOC’s Year-Round Offers also provide exclusive online discounts with merchants like Cherrypicks, Agoda, and Columbia. Finally, BOC i-Card has no annual fee, making it a maintenance-free option for online consumers looking to rapidly earn miles.

If you have a higher income or do not want to be limited to shopping online or with mobile pay, you might want to consider the uncapped, no-hassle rewards of a card like Standard Chartered Asia Miles Mastercard. Altogether, BOC i-Card is best suited to lower income consumers looking to optimize their rewards with specific spending habits.

  • HK$150k min. annual salary
  • Annual Fee: free
  • 4% online and mobile cashback
  • 0.667 miles per HK$1 online & mobile spend
  • 0.067 miles per HK$1 general spend
  • 0% interest instalment plans w/ select merchants
  • Stand-Out: 0.667 miles/HK$1 online & mobile pay, waived annual fee
  • Promotions: Receive HK$10 cashback on every HK$30+ mobile pay in 1st 2mo (max HK$300), OR:
  • Receive HK$500 cashback w/ HK$8k min. spend in 1st 2mo
  • Interest-free Cash installment of up to HK$80k (not applicable to online application)
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
BOC i-card is a competitive miles card for average income earners who make purchases in select categories. Currently, cardholders earn 0.667 miles per HK$1 online and mobile spend–one of the highest miles rates on the market. While it’s worth noting that consumers are limited to 10,000 extra bonus points (666.67 miles) per month, there’s no better option for lower or average spenders to quickly earn miles.


This card also offers great shopping perks like 0% interest instalment plans with select merchants, allowing consumers to pay for larger purchases over several months. BOC’s Year-Round Offers also provide exclusive online discounts with merchants like Cherrypicks, Agoda, and Columbia. Finally, BOC i-Card has no annual fee, making it a maintenance-free option for online consumers looking to rapidly earn miles.

If you have a higher income or do not want to be limited to shopping online or with mobile pay, you might want to consider the uncapped, no-hassle rewards of a card like Standard Chartered Asia Miles Mastercard. Altogether, BOC i-Card is best suited to lower income consumers looking to optimize their rewards with specific spending habits.

  • HK$150k min. annual salary
  • Annual Fee: free
  • 4% online and mobile cashback
  • 0.667 miles per HK$1 online & mobile spend
  • 0.067 miles per HK$1 general spend
  • 0% interest instalment plans w/ select merchants

BOC Taobao World Mastercard: Top Miles Rewards and No-Hassle Spend in Mainland China

  • No fees for Taobao and overseas spend
  • Promotions: Receive HK$300 cashback w/ HK$3k min. spend in 1st 3mo (including 1 mobile payment)
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
BOC Taobao World Mastercard offers frequent Taobao shoppers a convenient way to avoid handling and overseas spending fees while earning rewards across their entire budget. Consumers earn Gift Points on all of their transactions, which are redeemable for 0.4% cashback or 0.067 miles per HK$1 spend.


Cardholders can also participate in Taobao’s annual sales and promotion activities, like Single’s Day discounts and other savings opportunities.

With no annual fee and a competitive HK$150,000 minimum income requirement, our analysis showed that this branded BOC credit card is of great value to frequent online shoppers. Cardholders may want to consider specifically using this card for Taobao purchases while using another credit card with higher cashback rebates for general purchases.

  • HK$150k min. annual salary
  • Annual Fee: free
  • 0.067 miles per HK$1 spend or 0.4% cashback general spend
  • Participate in Taobao annual promotions and sales
  • Unlimited 0% handling fee at Taobao
  • No handling fee for overseas spend
  • Stand-Out: No fees for Taobao and overseas spend
  • Promotions: Receive HK$300 cashback w/ HK$3k min. spend in 1st 3mo (including 1 mobile payment)
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
BOC Taobao World Mastercard offers frequent Taobao shoppers a convenient way to avoid handling and overseas spending fees while earning rewards across their entire budget. Consumers earn Gift Points on all of their transactions, which are redeemable for 0.4% cashback or 0.067 miles per HK$1 spend.


Cardholders can also participate in Taobao’s annual sales and promotion activities, like Single’s Day discounts and other savings opportunities.

With no annual fee and a competitive HK$150,000 minimum income requirement, our analysis showed that this branded BOC credit card is of great value to frequent online shoppers. Cardholders may want to consider specifically using this card for Taobao purchases while using another credit card with higher cashback rebates for general purchases.

  • HK$150k min. annual salary
  • Annual Fee: free
  • 0.067 miles per HK$1 spend or 0.4% cashback general spend
  • Participate in Taobao annual promotions and sales
  • Unlimited 0% handling fee at Taobao
  • No handling fee for overseas spend

Best Bank of China Credit Cards for Local Spending

These BOC cards offer unique rebates to brand loyalists as well as steep discounts on consumer goods. While other cashback credit cards offer higher flat rebates, these cards provide exclusive benefits for shopping at SOGO Hong Kong or Esso petrol stations.

BOC SOGO Visa Platinum Card: High Cashback for SOGO Loyalists

  • 5% rebate at SOGO merchants plus SOGO Freshmart discount
  • Promotions: Receive HK$500 SOGO gift certificate w/ HK$5k spend in 1st 2mo, OR:
  • Receive HK$10 cashback on every HK$30+ mobile pay in 1st 2mo (max HK$300)
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
Frequent SOGO Hong Kong department store shoppers should definitely consider BOC SOGO Visa Platinum Card. Cardholders earn 5% cashback on purchases at SOGO Hong Kong’s 300 clothing stores, restaurants and luxury outlets, making it a great choice for fashionistas looking for top rewards on their spend. What’s more, consumers receive a 5% discount at SOGO Freshmart on Mondays, making it a great choice for everyday spending.


BOC SOGO Visa Platinum Card offers impressive rewards for SOGO loyalists, but it’s 0.067 miles per HK$1 general spend means it is just average for making purchases at other locations. If you are looking for flat rewards across all of your transactions, you should consider going with a different option.

  • HK$150k min. annual salary
  • Annual Fee: HK$1.8k, 2-yr waiver
  • 5% cash rebate at SOGO Hong Kong
  • 0.4% general spend cashback
  • 0.067 miles/HK$1 spend
  • 0% interest instalment plans w/ select merchants
  • Stand-Out: 5% rebate at SOGO merchants plus SOGO Freshmart discount
  • Promotions: Receive HK$500 SOGO gift certificate w/ HK$5k spend in 1st 2mo, OR:
  • Receive HK$10 cashback on every HK$30+ mobile pay in 1st 2mo (max HK$300)
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
Frequent SOGO Hong Kong department store shoppers should definitely consider BOC SOGO Visa Platinum Card. Cardholders earn 5% cashback on purchases at SOGO Hong Kong’s 300 clothing stores, restaurants and luxury outlets, making it a great choice for fashionistas looking for top rewards on their spend. What’s more, consumers receive a 5% discount at SOGO Freshmart on Mondays, making it a great choice for everyday spending.


BOC SOGO Visa Platinum Card offers impressive rewards for SOGO loyalists, but it’s 0.067 miles per HK$1 general spend means it is just average for making purchases at other locations. If you are looking for flat rewards across all of your transactions, you should consider going with a different option.

  • HK$150k min. annual salary
  • Annual Fee: HK$1.8k, 2-yr waiver
  • 5% cash rebate at SOGO Hong Kong
  • 0.4% general spend cashback
  • 0.067 miles/HK$1 spend
  • 0% interest instalment plans w/ select merchants

BOC Esso World Mastercard: High Petrol Rebate and Discounts at Esso Stations

  • HK$4/L discount on petrol from Esso + 2% rebate on dining spend
  • Promotions: Receive HK$10 cashback on every HK$30+ mobile pay in 1st 2mo (max HK$300), OR:
  • Receive HK$500 cashback w/ HK$8k min. spend in 1st 2mo
  • Receive HK$100 cashback w/ online application
Local spenders who fill up at Esso or Feoso petrol stations should definitely consider BOC Esso World Mastercard. In addition to a basic discount of HK$2/L on Synergy Supreme+ and Synergy Extra petrol, new cardholders will be automatically enrolled in the Esso Smiles programme, granting an additional HK$2 off per liter. The combined HK$4 off of every liter results in significant savings at the pump.


If the petrol discount wasn’t enough, this card has a very competitive cashback promotion on dining and department stores expenses. Purchases at restaurants and department stores earn 0.8% cashback, and with HK$15k spend in a single month, this rate is boosted to 2%.

While BOC Esso World Mastercard only earns a modest 0.067 miles/HK$1 general spend, cardholders who frequently fill up at Esso or Feoso petrol stations and spend significantly at restaurants and department stores will achieve impressive cashback using this card.

  • HK$150k min. annual salary
  • Annual Fee: free
  • Up to HK$4 discount per liter on petrol at Esso and Feoso petrol stations
  • Up to 2% cashback on dining and department store spend (offer available through Dec. 31, 2020)
  • 0.067 miles/HK$1 spend
  • Stand-Out: HK$4/L discount on petrol from Esso + 2% rebate on dining spend
  • Promotions: Receive HK$10 cashback on every HK$30+ mobile pay in 1st 2mo (max HK$300), OR:
  • Receive HK$500 cashback w/ HK$8k min. spend in 1st 2mo
  • Receive HK$100 cashback w/ online application
Local spenders who fill up at Esso or Feoso petrol stations should definitely consider BOC Esso World Mastercard. In addition to a basic discount of HK$2/L on Synergy Supreme+ and Synergy Extra petrol, new cardholders will be automatically enrolled in the Esso Smiles programme, granting an additional HK$2 off per liter. The combined HK$4 off of every liter results in significant savings at the pump.


If the petrol discount wasn’t enough, this card has a very competitive cashback promotion on dining and department stores expenses. Purchases at restaurants and department stores earn 0.8% cashback, and with HK$15k spend in a single month, this rate is boosted to 2%.

While BOC Esso World Mastercard only earns a modest 0.067 miles/HK$1 general spend, cardholders who frequently fill up at Esso or Feoso petrol stations and spend significantly at restaurants and department stores will achieve impressive cashback using this card.

  • HK$150k min. annual salary
  • HK$150k min. annual salary
  • Annual Fee: free
  • Up to HK$4 discount per liter on petrol at Esso and Feoso petrol stations
  • Up to 2% cashback on dining and department store spend (offer available through Dec. 31, 2020)
  • 0.067 miles/HK$1 spend
Kevin Schwartz

Kevin is a Junior Research Analyst at ValueChampion specialising in credit cards in Hong Kong. He previously worked for the U.S. Congress as a Legislative Fellow as well as in international education in Beijing. He holds a B.A. in International Studies and Chinese from the College of the Holy Cross and received multiple scholarships for Chinese language studies, including the State Department Critical Language Scholarship.