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Bank of China (Hong Kong) Limited

Official sitewww.bochk.comLast verified

Credit cards24

BOC Visa Infinite Business Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC Visa Infinite Business Card

 Annual feePerpetual annual fee waiverPurchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeTo be verified
1All spending
3Dining and overseas spending
Annual fee waiverAnnual fee permanently waived
Source: BOC Visa Infinite Business CardUpdated 19 Oct 2026
BOC HKUST Platinum Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC HKUST Platinum Card

 Annual feePerpetual annual fee waiverPurchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeAnnual income HK$150,000; no income requirement for full-time students; for HKUST students, council members, staff or graduates aged at least 18
2%Online transactions on the BOC HKUST Platinum Card
2%UnionPay QuickPass transactions on the BOC HKUST UnionPay Dual Currency Platinum Card
Annual fee waiverAnnual fee permanently waived for principal and supplementary cards
Source: BOC HKUST Platinum CardUpdated 19 Oct 2026
BOC UnionPay Dual Currency Commercial Platinum Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC UnionPay Dual Currency Commercial Platinum Card

 Annual feePerpetual annual fee waiverPurchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeTo be verified
1All spending
2Overseas spending
Annual fee waiverAnnual fee permanently waived
Source: BOC UnionPay Dual Currency Commercial Platinum CardUpdated 19 Oct 2026
BOC UnionPay Dual Currency Diamond Card (Metal) · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC UnionPay Dual Currency Diamond Card (Metal)

 Annual feeHK$0Purchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeTo be verified
1.2%Local spending (with total monthly spending of HK$15,000 or above) · 3X bonus points (equivalent to a 1.2% cash rebate), uncapped
10%Retail transactions made via mobile payments (new-customer welcome offer) · Welcome offer, rebate capped at HK$300
Annual fee waiverPerpetual annual fee waiver for principal and supplementary cards
Source: BOC UnionPay Dual Currency Diamond Card (Metal)Updated 19 Oct 2026
BOC Taobao World Mastercard · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC Taobao World Mastercard

 Annual feeHK$0Purchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeAnnual income HK$150,000
10%Retail transactions made via Apple Pay, Google Pay or Samsung Pay (new-customer welcome offer) · Welcome offer, rebate capped at HK$300
Annual fee waiverPerpetual annual fee waiver for principal and supplementary cards
Source: BOC Taobao World MastercardUpdated 19 Oct 2026
BOC HKSYU Credit Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC HKSYU Credit Card

 Annual feePerpetual annual fee waiverPurchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeAnnual income HK$150,000; no income requirement for full-time students; for Shue Yan governors, staff, graduates or full-time/evening students or postgraduates aged at least 18
1Basic spending (1 point per HK$1 spent)
Annual fee waiverAnnual fee permanently waived for principal and supplementary cards
Source: BOC HKSYU Credit CardUpdated 19 Oct 2026
BOC Sogo Visa Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC Sogo Visa Card

 Annual feePrincipal card per year: HK$1,600 for Visa Platinum; HK$2,000 for Visa Signature; first year waivedPurchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeAnnual income: HK$300,000 for Visa Signature; HK$150,000 for Visa Platinum
5%Purchases at over 300 designated merchants at SOGO
5%Mobile payments at any merchant (Apple Pay, Google Pay, Samsung Pay) — BOC Sogo Visa Signature Card
Annual fee waiverFirst-year annual fee waived
Source: BOC Sogo Visa CardUpdated 19 Oct 2026
BOC Sa Sa Dual Currency Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC Sa Sa Dual Currency Card

 Annual feePerpetual annual fee waiverPurchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeAnnual income HK$150,000
5Purchases at Sa Sa Hong Kong stores and the SaSa.com online store (year-round 5% discount)
5%Mobile payments at Sa Sa (Sa Sa Hong Kong stores and SaSa.com)
Annual fee waiverPermanent annual fee waiver for principal and supplementary cards issued from 1 January 2023
Source: BOC Sa Sa Dual Currency CardUpdated 19 Oct 2026
BOC Henderson Land Visa Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC Henderson Land Visa Card

 Annual feePrincipal card per year: HK$1,600 for Visa Platinum; HK$2,000 for Visa Signature; first year waivedPurchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeAnnual income: HK$300,000 for Visa Signature; HK$150,000 for Visa Platinum
10%Retail transactions made via Apple Pay, Google Pay or Samsung Pay (new-customer welcome offer) · Welcome offer, rebate capped at HK$300
Annual fee waiverFirst-year annual fee waived for the principal card; annual fee permanently waived for supplementary cards
Source: BOC Henderson Land Visa CardUpdated 19 Oct 2026
BOC HKMU Dual Currency Platinum Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC HKMU Dual Currency Platinum Card

 Annual feePerpetual annual fee waiver (principal and supplementary cards)Purchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeAnnual income HK$150,000; no income requirement for full-time students; for HKMU students, staff, tutors, graduates or alumni aged at least 18
2%Eligible online transactions
2%Eligible mobile payment transactions (UnionPay App QR codes, Apple Pay, Samsung Pay or Huawei Pay)
Annual fee waiverAnnual fee permanently waived for principal and supplementary cards
Source: BOC HKMU Dual Currency Platinum CardUpdated 19 Oct 2026
BOC HKICPA Platinum Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC HKICPA Platinum Card

 Annual feePerpetual annual fee waiver (principal and supplementary cards)Purchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeVisa / UnionPay dual-currency Platinum: annual income HK$150,000; for HKICPA members, international affiliates or registered students
1All spending
2Payments of Hong Kong Institute of Certified Public Accountants fees
Annual fee waiverAnnual fee permanently waived for principal and supplementary cards
Source: BOC HKICPA Platinum CardUpdated 19 Oct 2026
BOC HK Go Credit Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC HK Go Credit Card

 Annual feePerpetual annual fee waiver (principal and supplementary cards)Purchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeFor Hong Kong Federation of Education Workers members; annual income HK$150,000
1All spending
3Extra points on spending at the HK Go Mall and HK Go (Teachers' Living Hall) on the 1st and 15th of each month
Annual fee waiverAnnual fee permanently waived for principal and supplementary cards
Source: BOC HK Go Credit CardUpdated 19 Oct 2026
BOC HKCEA UnionPay Dual Currency Platinum Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC HKCEA UnionPay Dual Currency Platinum Card

 Annual feePrincipal card: HK$1,600 per year; first two years waivedPurchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeAnnual income HK$150,000
1All spending
2Retail spending on your birthday
Annual fee waiverPrincipal card annual fee waived for the first two years; supplementary card annual fee permanently waived
Source: BOC HKCEA UnionPay Dual Currency Platinum CardUpdated 19 Oct 2026
BOC Hong Kong Airlines Visa Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC Hong Kong Airlines Visa Card

 Annual feePrincipal card per year: HK$1,600 for Visa Platinum; HK$2,000 for Visa Signature; first year waivedPurchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeAnnual income: HK$300,000 for Visa Signature; HK$150,000 for Visa Platinum
0.33Visa Signature Card “overseas” and “online” spending (eligible spending in designated categories)
0.2Visa Signature Card local spending
Annual fee waiverPrincipal card first-year annual fee waived; supplementary card permanently waived
Source: BOC Hong Kong Airlines Visa CardUpdated 19 Oct 2026
BOC Hospital Authority Credit Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC Hospital Authority Credit Card

 Annual feePerpetual annual fee waiverPurchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeFor Hospital Authority staff / board members; annual income HK$480,000 for World Mastercard or HK$100,000 for UnionPay dual-currency Platinum
1All spending
2Spending at Hospital Authority staff co-operatives and the co-operatives' online store — BOC Hospital Authority UnionPay Dual Currency Platinum Card
Annual fee waiverAnnual fee permanently waived for principal and supplementary cards
Source: BOC Hospital Authority Credit CardUpdated 19 Oct 2026
BOC GOOD DAY Platinum Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC GOOD DAY Platinum Card

 Annual feePrincipal card: HK$1,600 per year; first year waivedPurchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeVisa / UnionPay Platinum: annual income HK$48,000
8U Select under China Resources Vanguard (on the 2nd, 12th and 22nd of each month)
8Pacific Coffee (Perfect Cup card top-ups on the 2nd, 12th and 22nd of each month)
Annual fee waiverFirst-year annual fee waived for the principal card; annual fee permanently waived for supplementary cards
Source: BOC GOOD DAY Platinum CardUpdated 19 Oct 2026
GBA Youth Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

GBA Youth Card

 Annual feePerpetual annual fee waiverPurchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeAnnual income HK$150,000
5%Spending in Hong Kong, Macau and Mainland China (monthly rebate cap HK$100)
1Basic spending (1 point per $1 spent)
Annual fee waiverAnnual fee permanently waived
Source: GBA Youth CardUpdated 19 Oct 2026
BOC Esso World Mastercard · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC Esso World Mastercard

 Annual feePrincipal card: HK$2,000 per year; first year waivedPurchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeAnnual income HK$300,000
10%Retail transactions made via Apple Pay, Google Pay or Samsung Pay (new-customer welcome offer) · Welcome offer, rebate capped at HK$300
Annual fee waiverFirst-year annual fee waived for the principal card; annual fee permanently waived for supplementary cards
Source: BOC Esso World MastercardUpdated 19 Oct 2026
BOC Visa Commercial Platinum Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC Visa Commercial Platinum Card

 Annual feePerpetual annual fee waiverPurchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeTo be verified
1All spending
Annual fee waiverAnnual fee permanently waived
Source: BOC Visa Commercial Platinum CardUpdated 19 Oct 2026
BOC China Mobile HK Dual Currency Diamond Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

BOC China Mobile HK Dual Currency Diamond Card

 Annual feePrincipal card: annual fee waived for the first two years; supplementary card: perpetual annual fee waiverPurchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeAnnual income HK$300,000
3Spending at all China Mobile Hong Kong (CMHK) stores in Hong Kong or the CMHK online store (up to 3X bonus points, with up to 25,000 extra bonus points per month)
1Basic spending (1 point per HK$1 / RMB¥1)
Annual fee waiverPrincipal card waived for the first two years; supplementary card permanently waived
Source: BOC China Mobile HK Dual Currency Diamond CardUpdated 19 Oct 2026
Chill Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

Chill Card

 Annual feePrincipal card: first-year annual fee waiver; supplementary card: waived (Chill World Mastercard) | perpetual annual fee waiver (Chill Platinum Mastercard)Purchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeTo be verified
10%Spending at Chill merchants (Chill World Mastercard, with cumulative physical retail spending of HK$1,500 or above per month)
8%Spending at Chill merchants (Chill Platinum Mastercard, with cumulative physical retail spending of HK$1,000 or above per month)
Annual fee waiverChill World Mastercard: first-year annual fee waived for the principal card; holding a BOC HK personal/joint savings or current account also waives the annual fee; Chill Platinum Mastercard: annual fee permanently waived
Welcome offerUp to HK$500 cash rebate (Chill World Mastercard) / HK$300 cash rebate (Chill Platinum Mastercard)
Source: BOC Chill CardUpdated 19 Oct 2026
Cheers Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

Cheers Card

 Annual feeHK$3,800Purchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeHK$60,000
4Dining, travel and pet perks spending (Visa Infinite, with cumulative retail spending of HK$5,000 or above per month) · Promotion period from now until 31 December 2026
3.2Dining, travel and pet perks spending (Visa Signature, with cumulative retail spending of HK$5,000 or above per month) · Promotion period from now until 31 December 2026
Annual fee waiverPrincipal card first-year annual fee waiver; supplementary card annual fee waived
Welcome offerUp to 300,000 bonus points (equivalent to HK$1,200 cash rebate / 20,000 miles)（Until 31 Dec 2026）
Source: BOC Cheers CardUpdated 19 Oct 2026
Bliss Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

Bliss Card

 Annual feePrincipal card: first-year annual fee waiver; supplementary card: annual fee waivedPurchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeAnnual income HK$600,000
6%First HK$10,000 of online spending each month
4%Online retail spending
Annual fee waiverFirst-year annual fee waived for the principal card; annual fee waived for supplementary cards
Source: BOC Bliss CardUpdated 19 Oct 2026
GO Card · Bank of China (Hong Kong) Limited Bank of China (Hong Kong) Limited

GO Card

 Annual feePrincipal card per year: HK$1,600 for Platinum; HK$2,000 for Diamond; first year waived, with further account-based waiversPurchase APRUp to 35.70% at account opening; subject to periodic reviewMinimum incomeAnnual income: HK$150,000 for Platinum; HK$300,000 for Diamond
5%Spending at designated Go merchants (high-speed rail, DiDi and more)
8%Spending via designated mobile payments in Mainland China (20X points, promotion registration required) · From now until 30 September 2026
Annual fee waiverPrincipal card first-year annual fee waiver; supplementary card annual fee waived; holding a BOC HK personal/joint savings or current account at fee collection time also waives the fee
Welcome offerUp to HK$800 cash rebate (10% cash rebate on retail transactions made via mobile payments, capped at HK$800)（Until 31 Dec 2026）
Source: BOC Go CardUpdated 21 Sep 2026

Personal loans2

Bank of China (Hong Kong) Limited

BOC Express Cash Instalment Loan Balance Transfer

 APR from4.93%–31.41%Loan amountTo be verifiedMonthly flat rateTo be verifiedTenorUp to 72 months
Source: BOC Express Cash Instalment Loan Balance TransferUpdated 19 Oct 2026
Bank of China (Hong Kong) Limited

BOC Express Cash Instalment Loan

 APR from1.50%–28.21%Loan amountHK$5,000–HK$4,000,000Monthly flat rate0.0674%TenorUp to 60 months
Source: BOC Express Cash Instalment LoanUpdated 21 Sep 2026

Traditional bank accounts4

Bank of China (Hong Kong) Limited

STAR Payroll Account

 Account typeSTAR Payroll AccountMinimum balanceTo be verifiedMaintenance feeTo be verifiedInterestTo be verified
Source: BOCHK payroll offer pageUpdated 27 Oct 2026
Bank of China (Hong Kong) Limited

Wealth Management

 Account typeIntegrated Banking Services - Wealth ManagementMinimum balanceHK$1,000,000Maintenance feeTo be verifiedInterestTo be verified
Source: BOCHK Wealth ManagementUpdated 27 Oct 2026
Bank of China (Hong Kong) Limited

i-Free Banking

 Account typeIntegrated Banking ServicesMinimum balanceHK$10,000Maintenance feeTo be verifiedInterestTo be verified
Source: BOCHK i-Free BankingUpdated 27 Oct 2026
Bank of China (Hong Kong) Limited

Enrich Banking

 Account typeIntegrated Banking Services tierMinimum balanceHK$200,000Maintenance feeTo be verifiedInterestTo be verified
Source: BOCHK Enrich BankingUpdated 27 Oct 2026

Brokerage accounts3

Bank of China (Hong Kong) Limited

Securities Trading Services

 MarketsHong Kong stocksChina A sharesUS stocksCommissionOrdinary HK-stock trades: electronic channels charge 0.18% / 0.20% / 0.23% / 0.25% by Securities Club tier; branch or manned-hotline rates are 0.25% / 0.28% / 0.40% / 0.50%. These ordinary trades have a minimum of HK$100 / RMB100 per trade. Mobile NotALot odd-lot buy orders instead charge 0.25% with no minimum commission, rounded up to the nearest 0.10 in the transaction currency; other trading charges apply.Minimum depositTo be verifiedRegulatorBank of China (Hong Kong) Limited is a registered institution under the Securities and Futures Ordinance; CE AAL698
Source: BOCHK Securities TradingUpdated 19 Oct 2026
Bank of China (Hong Kong) Limited

Securities Margin Trading Services

 MarketsHong Kong sharesA sharesCommissionOrdinary HK-stock trades: electronic channels charge 0.18% / 0.20% / 0.23% / 0.25% by Securities Club tier; branch or manned-hotline rates are 0.25% / 0.28% / 0.40% / 0.50%. These ordinary trades have a minimum of HK$100 / RMB100 per trade. Mobile NotALot odd-lot buy orders instead charge 0.25% with no minimum commission, rounded up to the nearest 0.10 in the transaction currency; other trading charges apply.Minimum depositTo be verifiedRegulatorBank of China (Hong Kong) Limited is a registered institution under the Securities and Futures Ordinance; CE AAL698
Source: BOCHK Securities Margin TradingUpdated 19 Oct 2026
Bank of China (Hong Kong) Limited

Family Securities Accounts

 MarketsTo be verifiedCommissionOrdinary HK-stock trades: electronic channels charge 0.18% / 0.20% / 0.23% / 0.25% by Securities Club tier; branch or manned-hotline rates are 0.25% / 0.28% / 0.40% / 0.50%. These ordinary trades have a minimum of HK$100 / RMB100 per trade. Mobile NotALot odd-lot buy orders instead charge 0.25% with no minimum commission, rounded up to the nearest 0.10 in the transaction currency; other trading charges apply.Minimum depositTo be verifiedRegulatorBank of China (Hong Kong) Limited is a registered institution under the Securities and Futures Ordinance; CE AAL698
Source: BOCHK Family Securities AccountsUpdated 19 Oct 2026

Tax loans1

Bank of China (Hong Kong)

BOC Express Cash Instalment Loan – Tax Season Loan

 APR from1.38%–36.00%Loan amountUp to HK$4,000,000 or 18 times of monthly salary (whichever is lower)Monthly flat rate0.062%TenorUp to 60
Source: Official product pageUpdated 25 Sep 2026