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World Heritage Card

1. Product

World Heritage Card

2. Features

World Heritage Card services are provided by Bank of China (Macau) Limited.

2.1 Three card face designs of the World Heritage monuments in Macau, including the Ruins of St. Paul's, the A-Ma Temple and the Guia Fortress, for you to choose from.

2.2 A more secured way

2.2.1 "Chips + PIN" means more secured

Data of the card is stored and encrypted in a chip [1] embedded on the front side, thus making it difficult to counterfeit and preventing fraudulent use. In addition, card transaction will be verified by PIN.

2.2.2 Overseas transaction function

Cardholders may activate/deactivate the overseas transaction function of the cards when require. If you wish to withdraw cash or make payment overseas thereafter, you may activate the overseas transaction function via BOCNET(Personal), BOC Macau ATMs / ATMs with JETCO logo, Cash Withdrawal and Deposit Machine("CWD"), BOC Macau App, BOC Macau APP Services or BOC Service Hotline 888 95566. In addition, the validity period and daily withdrawal limit can be changed anytime through these channels.

2.3 Preferential offers

2.3.1 Choice of accounts and currencies of your card, no currency exchange required for transaction made in the 3 places

Both saving account, current account, foreign currencies (T/T) saving account in MOP, HKD, RMB or other foreign currencies (For balance enquiry only) can be linked to your card to suit your banking needs. For card transactions made in Macau, Hong Kong and the Mainland, the transaction amount will be deducted from the account in the same currency of the transaction [3]. Withdrawals or Spending made in the Mainland will be deducted from the RMB account; Withdrawals or Spending made in Hong Kong will be deducted from the HKD account; Withdrawals or Spending made in Macau will be deducted from the MOP account;

2.3.2 Swipe your card to enjoy all the shopping convenience worldwide

BOC Card is widely accepted by worldwide merchants displaying the "UnionPay" logo. What's more! BOC Card is mostly welcome by merchants in the Mainland, including gas stations, supermarkets and hospitals.

2.3.3 No overseas Transaction fees for transaction made overseas

You will enjoy the fun of shopping more all around the world and free of the hassle of paying lots of overseas transaction fees.

2.3.4 Annual fee waived, please refer to "BOC Bank Card Fee Schedule" for more details.

2.4 The Banking Service for You

2.4.1 One card for one customer, it fits your unique needs

Customers may request one BOC card for need.

2.4.2 Present your card for service at the counter, no passbook required

Simply present your card at our service counter and we will be at your service even without your savings book.

2.4.3 Combined account balance for your convenience Funds available in the account(s) in the card will be transferred without limit. Withdrawal limit for each card may be set by the account holder to $20,000, $40,000, or $60,000. The limit for making payment with card is the same as the balance of the accounts, or may be set by the account holders ranging from $0, $50,000, $100,000, $500,000 to $1,000,000. To be even more flexible, customer may set a temporary limit for short term needs.

2.5 Mobile Payment

The card can be connected with BOC Macau APP Services, and pay via barcode. Support mobile payment such as BOC Macau APP Services UnionPay QR Code/Union Pay QR Code, Apple Pay and Huawei Pay.

3. Standard functions

3.1 Core functions

3.1.1 Cash withdrawals

Withdrawals can be made at ATMs linked to JETCO network in Macau and Hong Kong and UnionPay network all around the world. The daily cash withdrawal limit for each card depends on the withdrawal and transfer limit setting by the customer.

3.1.2 Transfers

For fund transfers made at ATMs linked to JETCO network in Macau ,CWD and BOC Macau App, the transfer limit between the bank accounts in the same card is unlimited; while the transfer limit to the accounts, which are not in your card, depends on the withdrawal and transfer limit setting by the customer. (Combined with the daily limit of cash withdrawals). Any exchanges made related to RMB will be subject to the rules and regulations of RMB.

3.1.3 Balance enquiry

3.1.4 Making Payments of credit card balance, DSF tax, phone, electricity and water bills and sim card top up

3.1.5 Non-cash transactions and Cash deposit via CWD

3.2 Automatic teller machines services

Making withdrawals and other banking services via our ATMs or ATMs linked to JETCO network or UnionPay network 24-hour a day [6].

4. Eligible Customers

All BOC savings account, current account, foreign currencies(T/T) savings account holders

5. Application Documents

Copies of the identity documents of all the relevant account holders.

6. Application procedure

All the relevant account holders should visit our any sub-branches personally.


[1] The validity period of the chip card is 10 years.

[2] To register for the SMS message alert service, you must have a valid Macau mobile phone number.

[3] When transaction amount is larger than the bank account in the same currency, the balance of the account in the same currency will be deducted first and the excess amount will be deducted from other account in other currency after currency exchange. For withdrawals and purchases payment transactions made overseas, the transaction amount will be deducted from the MOP, HKD and RMB account in that order to minimize cardholders' loss in exchange.

[4] If customer requests 2 or more cards, fee will be charged on each additional card.

[5] Private Banking/Prestigious Wealth Management/Wealth Management customers may set the withdrawal limit per account per day.

[6] Including Jet Payments.

[7] The Bank reserves the right to revise the overseas transaction fees applicable to withdrawals made at ATM linked to JETCO network and other networks in regions outside of Macau.

[8] A international service fee will be charges if you press "confirm" to proceed with the withdrawal transaction when a message popped up showing "This is an international transaction and service charges will apply" or in similar wordings.

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