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BOC Bay Plus Youth Card

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

BOC Bay Plus Youth Card


BOC Bay Plus Youth Card services are provided by Bank of China (Macau) Limited. Bank of China (Macau) Limited , Macau Youth Federation, Hong Kong United Youth Association and Guangdong Youth Federation co-launched a “BOC BAY PLUS YOUTH CARD” credit card, aimed to provide support and convenience for youths who live in the Greater Bay Area. Inbuilt with many utilities such as entrepreneurship, legal consulting service, finance, insurance, public transportation, communication, shopping discount and more. This card can fully assist Macau and nearby regions youths in assimilating into the grand scheme of national development of the Greater Bay Area.


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. The BOC Multi-currency Credit Card users do not have to worry about this. Every MOP 1 accumulated amount of expenses or withdrawal can exchange for 1 point. 200 points will turn to MOP 1 into the credit card every season automatically. However, if the points are less than 200, it will be accumulated to the next season for the exchange. 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. Professional Service

To help you grow your business, our designated professional institutions including co-operated law firms and tax agencies would provide you with the best quality of legal, accounting and tax consulting services. On top of that, the Macau Young Entrepreneur Incubation Centre will also provide a series of assistances in training, counseling and policy consulting, the BOC Bay Plus Youth Card is dedicated to help you overcome the obstacles faced when developing your career in the Greater Bay Area.

3. 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, MasterCard 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.

4. 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.

5. 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.

6. 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 BAY PLUS YOUTH 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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