Multi-currency  Welcomed worldwide

Visa+UnionPay The best credit card mix for international travel

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

UnionPay JNUMAA Card

Visa JNUMAA Card

Products

BOC Multi-currency JNUMAA Credit Card services are provided by Bank of China (Macau) Limited. To celebrate the 110th anniversary of Jinan University (“The University”) and the 30th anniversary of the Jinan University Macau Alumni Association (“JNUMAA”), Bank of China (Macau) Limited and JNUMAA will jointly issue the "BOC JNUMAA Credit Card" (“The Credit Card”). It will be a dual-purpose card, e.g. a card with the functions of BOC multi-currency credit card and a JNUMAA members’ discount card, which may enjoy the card services provided by BOC and offers available at the shops operated by JNUMAA.

Features

1. Privileges and Cost Saving

0% Foreign Transaction Fee and Instant Waived. We have waived the Foreign Transaction Fee charged on payments made in non-MOP currencies around the world with BOC Multi-Currency Visa Credit Card. Travel and shop hassle free from now on! For enquiry, please refer to the BOC Bank Card Fee Schedule.

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 abroad. 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 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

24-hour BOC Service Hotline. 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.

Access to Global Airport VIP Lounges

Customers can either enter "All" - "Travel"- "Airport Lounge" section in BOC Macau App or search "Airport Lounge" at search engine in BOC Macau App to check for number of access times and enjoy airport lounge privileges over 130 countries and regions, 1,800 airport lounges services worldwide.

Please click "Find Lounges", for any update airport lounge locations and latest information.

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. Visa cards are widely accepted by merchants displaying the VISA logo around the world.

Cardholders who need to advance cash may do so at ATMs displaying the UnionPay/VISA logos all over the world. （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 MyWay 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

UnionPay QuickPass. UnionPay QuickPass contactless payments are accepted by merchants displaying the UnionPay QuickPass logo around the world.

For contactless payment transaction amount below MOP/HKD500 with QuickPass, payment message alert may not be sent to you to notify you of this payment. For single transaction amount of MOP/HKD500 or above or when the accumulative total of contactless payments exceeds the contactless payment limit*, i.e. MOP/HKD1,000, a payment message alert will be sent to you soon after. You will have to follow the instruction of the merchant to either input PIN or sign a sales slip to authorize payment.

*QuickPass contactless payment limit is MOP/HKD1,000, calculated by adding all contactless payments made after the last credit card point-of-sale payment (chip transaction) up until the contactless payment before the limit is reached. Whenever this limit has been exceeded, a credit card point-of-sale payment (must be a chip transaction in Macau) has to be made to reset the limit and restart the cycle.

**The available contactless payment limit is identical to cash and report loss will not be accepted. In case of loss or stolen cards, the cardholder will bear the liability of the loss.

Visa payWave. Visa payWave contactless payments are accepted by merchants displaying the Visa payWave logo around the world. Cardholder will authorize the payment following instructions of the merchants.

Application requirements

1. Eligible customers

BOC Multi-currency UnionPay or Visa JNUMAA Card is available for members of JNUMAA with annual salary of over MOP48,000 and current full-time students of the University from Macau to apply.

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.

Full-time students of the Jinan University from Macau need to present their Student ID Card apply.

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.