Bank of China Family Card

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Key Features

10%
10% cash rebate on Everyday Dining (Restaurants & Fast Food), Movies
5%
Cash Rebate on Family Club Merchants
3%
Cash Rebate on Supermarkets, Online Purchases, Hospital Bills

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Groceries

Supports all major supermarkets in Singapore

Earn a 3% cash rebate on all supermarket spend with a minimum monthly spend of S$800.
Please refer to the full terms and conditions for the cash rebate category cap, which is capped at S$25 per month per category.
The base rate is 0.3% on all purchases, and if the minimum monthly spend of S$800 is not met, this rate will apply.

Overseas Spending

Enjoy a 10% cash rebate on everyday dining (including foreign currency transactions) and
3% cash rebate on online purchases (including foreign currency transactions) with a minimum spend of S$800 per month.
There is a cash rebate cap at S$25 per month per category. Please refer to the full terms and conditions for the cash rebate category cap.
The base rate for all purchases is 0.3%, and this rate applies if the minimum spend of S$800 per month is not met.

Shopping

Earn savings at selected merchants and healthcare merchants

Enjoy a 5% cash rebate on purchases made at Family Club merchants.
To be eligible for this cash rebate, you must meet a minimum spend of S$800 per month.
The cash rebate is subject to a cap of S$25 per month per category.
If you do not meet the minimum spend requirement of S$800 per month, the base rate of 0.3% will apply to all purchases.

CashBack

Enjoy Cashback on Dining, Entertainment, Public Transport, Online Shopping, Groceries spend and many more.

10% cash rebate on Everyday Dining and Movies
5% cash rebate on Family Club Merchants
3% cash rebate on Public Transport, Online Purchases, Supermarket and Hospital bills
0.3% cash rebate on all other purchases
Minimum spend of S$800 per month required.
Cash rebate cap of S$25 per month per category.
Base rate of 0.3% cash rebate on all purchases, and if minimum spend of S$800 per month is not met.

Dining

Supports all restaurants, cafes and fast food except spends in hotels

Enjoy 10% cash rebate on dining, including restaurant delivery, dine-in, and takeaway, as well as movies.
Minimum spend of S$800 per month and cash rebate cap at S$25 per month per category. Please refer to the full terms and conditions for the cash rebate category cap.
Base rate of 0.3% cash rebate on all purchases, and if the minimum spend of S$800 per month is not met.

Other Features

10% cash rebate on Everyday Dining (Restaurants & Fast Food), Movies

Eligibility

Singaporean/PR Minimum Income

S$30,000

Non-Singaporean Minimum Income

S$60,000

Fees and Charges

Annual Principal Fee: S$205.20
Supplementary Annual Fee: S$102.60
Fee Waiver: Available
Interest Free Period: 23 days
Annual Interest Rate: 28.88%
Late Payment Fees: 5% or S$100, whichever is higher
Minimum Monthly Repayment: 3% or S$50, whichever is higher
Foreign Currency Transaction Fee: 3.00%
Foreign Check Fee: N/A
Cash Advance Transaction Fee: 6% or S$20, whichever is higher
Overlimit Fee: S$40

Review

By LOANPANDA

The Bank of China Family Card offers attractive cash rebates on dining, movies, online purchases, groceries, and more. With a minimum spend of S$800 per month, users can earn up to 10% cash rebate on everyday dining and movies, 3% cash rebate on online purchases, supermarkets, and hospital bills, and 5% cash rebate on Family Club merchants. The card also offers a base rate of 0.3% cash rebate on all other purchases.

The eligibility requirements are a minimum income of S$30,000 for Singaporeans/PRs and S$60,000 for non-Singaporeans. However, users should be aware of the annual interest rate of 28.88% and the late payment fees.