#8
BOC Cheers Card
HK$3,800/yr (1st yr waived)(HK$3,800)
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BOC Cheers Card (中銀 Cheers Card), issued by Bank of China (Hong Kong), delivers HK$1.5/mile local and HK$1.5/mile overseas alongside a Up to 300,000 Gift Points (20,000 miles) + complimentary lounge visits with guest welcome package (valid through 2026-12-31).
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View canonical entity profile (4 lists) →BOC Cheers Card (中銀 Cheers Card), issued by Bank of China (Hong Kong), delivers HK$1.5/mile local and HK$1.5/mile overseas alongside a Up to 300,000 Gift Points (20,000 miles) + complimentary lounge visits with guest welcome package (valid through 2026-12-31).
Key Metrics
Issuer
Bank of China (Hong Kong)
Local Miles Rate
: HK$1.5/mile
Overseas Miles Rate
HK$1.5/mile
Headline Cashback
Up to 4%
Monthly Spend Cap
HK$25,000/mo
Welcome Offer
Up to 300,000 Gift Points (20,000 miles) + complimentary lounge visits with guest
Annual Fee & Waiver
HK$3,800 (First year annual fee waived)
FX Fee
1.95%
Pros and Cons
Pros
- Up to 10X Gift Points (HK$1.5/mile or 4% rebate) on dining & foreign currency spend when HK$5,000 monthly retail spend threshold is met
- lounge access includes guest
Cons
- HK$5,000 monthly retail spend required to unlock 10X multiplier
- single transactions under HK$500 may face exclusion rules on select promos
Eligibility
- Minimum annual income HK$150,000
- HK$8,000 qualifying spend required
- new-to-cardholder cooling-off rule: 12 months
Things to Watch Out For
- HK$5,000 monthly retail spend required to unlock 10X multiplier
- single transactions under HK$500 may face exclusion rules on select promos
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