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BOC Multi-currency Greater Bay Area Credit Card

Foreign Transaction Fee waived on non-MOP currencies payments made around the world


BOC Multi-currency Greater Bay Area Credit Card services are provided by Bank of China (Macau) Limited. Bank of China (Macau) Limited seizes the historical opportunities of Guangdong, Hong Kong and Macao's construction of the Greater Bay Area, focusing on the financial needs of Guangdong, Hong Kong and Macao customers, integrating financial resources, opening up service channels, and launching the Greater Bay Area Credit Card to facilitate interconnection.

In 2018, BOC prior to launch Greater Bay Area Credit Card regarding to Greater Bay Area. The card adopts the wire drawing process, with the elements from landmarks of Guangdong, Hong Kong and Macao. Through the Century Project “Hong Kong-Zhuhai-Macao Bridge”, one bridge that connects three districts, the mutual interoperability of the Greater Bay Area is enhanced.

“Greater Bay Area Credit Card” is mainly issued to customers in Greater Bay area. It is accurately focused on the huge consumption needs of the construction of the Greater Bay Area, and gives full support to the advantages of the cross-border financial services of the Bank of China, integrating "Food and Beverages", "Entertainment", “Travel” and “Shopping”. Exclusive rights such as QR code payment via UnionPay APP, Mainland China Metro and Bus with QuickPass transaction payment method, national airport limousine and China High-speed railway lounge service, online shopping/QuickPass transaction payment method enjoy extra bouns points and more than 800 select merchants’ offers.


1. Privileges and Cost Saving

0% Foreign Transaction Fee and Instant Waived. We have waived the Foreign Transaction Fee charged on payments made around the world with BOC Multi-currency UnionPay Credit Card. Travel and shop hassle free from now on!

Free travel insurance while travelling abroad. Simply swipe your card for purchase payment once to be eligible for free Travel Insurance while you are traveling aboard. No pre-arrangement required.

Remarks: Travel Insurance underwritten by China Taiping Insurance (Macau) Company Limited.

Credit card points earned will be automatically converted to Cash Rebate. BOC Multi-currency Credit Card saves you a lot of hassle. The accumulated total of purchase payments and cash advances made with your credit card will be converted to gift points on a MOP/RMB 1:1 basis. Every 200 points will be converted to MOP 1 by the end of each quarter automatically. Remaining balance of less than 200 points will be carried forward to the next quarter. For enquiry, please refer to the BOC Multi-currency Credit Card User Guide.

The annual fee will be waived once 6 retail payment requirement has been met. Simply make 6 retail transactions payments with your card in each calendar year to enjoy annual fee waiver in the next calendar year, no matter how much you have paid in total! Save with BOC Card, shop smart!

Interest-Free Statement Installment Plan. All retail transactions in your credit card statement can be repaid by monthly interest-free installments. Only a handling fee will apply. You can apply via BOC Macau APP, BOCNET (Personal) or BOC Service Hotline at 888 95566. The application will be approved immediately via BOCNET (Personal). Let your cash flow be more flexible. For enquiry, please refer to the BOC Multi-Currency Credit Card Statement Installment Plan.

2. Flexibility and Security

More protection for your credit card. To enhance security of cards, the magnetic stripes of all cards have been disabled. Customers may settle payment or advance cash with this card at merchants with EMV chip-enabled terminals in Macau or overseas.

Increase your credit limit temporarily, an easy and better way. Simply call our 24-hour BOC Service Hotline to ask for a temporary increase of your credit limit, up to a 50% increment on top of your original limit!

Credit limits for each of your credit cards can be set individually and flexibly. Credit limits of UnionPay and Visa cards can be set individually and flexibly according to your needs.

Instant message - keep you informed of all card transactions. To register for the message alert service, you must have a Macau mobile phone number to bind with the BOC WeChat Banking Service in order to receive the messages which will be sent automatically once any point of sales, cash advance or payment transactions are made with card, or in case of any card status changes.

One-time password to increase security. For added safety, whenever you make an online purchase at a UnionPay (UPOP) and 3DS enabled website, you will receive a one-time security code which will expire in a specified time through your mobile phone to authenticate the transaction.

3. Living in the electronic era

Save papers and be environmental friendly. Select e-statement to view your monthly statements for the last 12 months online anytime via BOC Macau APP, BOCNET(Personal). You can also download e-statement via BOC Macau APP or BOCNET (Personal).

Set your own auto-pay instruction online, an easy and better way! Set up your standing instruction online anytime via BOC Macau APP, BOCNET(Personal) for the automatic repayment, either in full or minimum, of your credit card balances monthly.

Various repayment channels for your convenience. There are various repayment channels available for you to repay your monthly balances, including BOC Macau APP, BOCNET, Cash Withdrawal and Deposit Machine("CWD"), BOC Service Hotline 888 95566, Autopay Service, by Cheque and at the counter.

4. Heartfelt Services

BOC Macau APP, BOCNET, Cash Withdrawal and Deposit Machine("CWD"), BOC Service Hotline 888 95566, Autopay Service will be available for account enquires, increase/decrease of credit limit, application of services and lost card reporting, etc.

5. Travel around the world

UnionPay Credit Cards are welcome by UnionPay merchants all around the world. Not to mention that it is the credit card mostly welcomed by numerous UnionPay merchants in Mainland China.

Cardholders who need to advance cash may do so at ATMs displaying the UnionPay logos all over the world. The possibility of using password to authenticate transactions will depend on the settings of the POS terminal of the merchants. Cash advances are subject to restrictions on cash advance and currency of local banks.

Start Smart

1. Pay with UnionPay in Macau, Hong Kong & the Mainland

The cardholder can choose “PIN + signature” or “Signature Only” to verify all retail transactions of UnionPay card in Macau, Hong Kong and the Mainland. Transactions made with the UnionPay Card in the Mainland will be settled in RMB, while all transactions made locally in Macau or overseas will be settled in MOP. For easy viewing, transactions of MOP and RMB will be shown separately in your monthly statement.

2. Contactless payment

Contactless payments are accepted by merchants displaying the QuickPass logo around the world. PIN verification and the cardholder’s signature are not required for the offline transaction amount is under MOP/HKD500. If transaction amount is over MOP/HKD500 or the offline account is over MOP/HKD1,000, PIN and signature will depend on the settings of the POS terminal of the merchants.

Offline transactions are not authenticated by issuer. The cardholder doesn't receive the message. Offline accounts are the sum of offline transaction amount. The cardholder can reset by Macau merchants if the account is over designated limit. Offline account is identical to cash and report loss of Offline account will not be accepted. The cardholder should bear the responsibility for the financial loss arising from careless safeguarding the Card (including but not limited to loss or theft, etc.).

Application requirements

1. Eligible customers

All Macau residents, aged 18 or above, with an annual income of MOP48,000 or above are welcome to apply for a BOC Multi-currency Greater Bay Area Credit Card.

2. Documents required

Depending on the applicant, income proof of the latest 3 months or the most updated tax advice of the company may be required.

3. Application Procedures

Please fill out an application form and submit together with the required documents to our sub-branches.

4. Friendly Reminder

All applications, including card type, credit limit and offers, will be subject to the final approval of the Bank based on documents submitted.

Application forms and documents submitted will not be returned.

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