#3
Bank of China Classic Card
The Bank of China Classic Card offers zero annual fee for the first 2 years, then HK$300 (waivable), providing a straightforward alternative to the Citibank Cashback Card's higher spending waiver requirement. It earns 1% cashback, identical to the Standard Chartered Unlimited Card, but with no spending target for the fee waiver — 95% of users incur zero fees in the first year. Verified April 2026, BOC website.
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