BOC Bank Card Charges
Credit Card
| Item | Charge |
|---|---|
| Annual Fee (BOC Multi-currency Wealth Credit Card / Taobao Credit Card/ Sands Diamond Card/ Sands Black Diamond Card)1 | Main Card: MOP 2,000 per year Additional Card: MOP 1,000 per year |
| Annual Fee (BOC Multi-currency MyWay Credit Card/ Aviation Credit Card / BAY PLUS YOUTH CARD / Gourmet Credit Card/ Charity Credit Card /Panda Credit Card / JNUMAA Credit Card/ Greater Bay Area Credit Card)1 | Main Card: MOP 500 per year Additional Card: MOP 250 per year |
| Oversea Transaction Fee2 | Waive the 1.95% Oversea Transaction Fee Valid until December 31, 2025 |
| Cash Advance Fee (Over the counter or through ATM)3 | 4% of the cash advance amount (Minimum MOP/RMB 30) |
| Interest Rate (Retail Purchase/Cash Advance) | 28.8% per annum (2.4% per month) |
| Late Charge | 5% of the minimum payment overdue (Minimum MOP/RMB 10, maximum MOP/RMB 80) |
| Replacement Card Fee | MOP 100 per card |
| Sales Slip Retrieval Fee | MOP 30 per copy |
| Statement Retrieval Fee | MOP 30 per copy |
| Credit Reference Letter Fee | MOP 200 per copy |
| Replacement Card Fee (Special request before expiry date) | MOP 100 per card |
| Statement Installment Plan Finance Charge | 0.3% of the total loan per month |
| Judicial or Non-Judicial Fee(including but not limited to lawyer fee) | Maximum MOP 100,000 |
| Card Scheme Dispute Handling and Dispute Fees4 | Up to MOP4,000 to MOP7,000 each transaction |
Notes remarks：
1Annual Fee can be waived if the main card or additional cards have made 6 or more purchases each individually in the previous year.
2Handling fees for non-cash purchases may be charged by the merchants, not by Bank of China (Macau) Limited.
3Handling fee may be charged on cash advances through ATMs not owned by Bank of China (Macau) Limited. Please pay attention to messages regarding fees.
4The actual charges charged by card scheme.
5This fee schedule is only applicable to BOC Multi-Currency Credit Card and subject to change without prior notice.
BOC Card
| Item | Charge |
|---|---|
| BOC Card Application Fee | MOP 50 |
| Annual Fee2 | MOP 50 |
| Replacement Card Fee | MOP 50 |
| Cash Withdrawal Fee(Through ATMs in Macau) | Free |
| Cash Withdrawal Fee (Through overseas ATMs (JETCO)) | HKD 20 per transaction |
| Cash Withdrawal Fee (Through ATMs (UnionPay) in Macau)3 | HKD 20 per transaction |
| Cash Withdrawal Fee (Through overseas ATMs (UnionPay)3 | HKD 50 per transaction |
Notes remarks：
1This fee schedule is only applicable to BOC Cards and subject to change without prior notice.
2Annual fee for the following year will be waived if payments made with the card reaches a total of $2000 or above in the year.
3Handling fee may be charged on cash withdrawals through ATMs not owned by Bank of China (Macau) Limited. Please pay attention to messages regarding fees.
