BOC Elite Miles World Mastercard®

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Key Features

S$1 = 1 Mile
Local Spend
S$1 = 2 Miles
Overseas Spend
1 Point = 0.33 Miles
Rewards to Miles Conversion

Promotion

Overseas Spending

Earn 2 Miles (equivalent to 9 BOC Points) for every S$1 spent on overseas transactions
no minimum spending requirement or cap on earned miles
3% foreign currency transaction fee

Rewards

Local Spend: S$1 = 1 Miles (4.5 BOC Points)
Overseas Spend: S$1 = 2 miles (9 BOC Points)

Air Miles

S$1 = 1 Mile (Local spend)
S$1 = 2 Miles (Overseas spend)

Entertainment

S$1 = 1 Mile (Local spend)
S$1 = 2 Miles (Overseas spend)

Shopping

S$1 = 1 Mile (Local spend)
S$1 = 2 Miles (Overseas spend)

Dining

S$1 = 1 Mile (Local spend)
S$1 = 2 Miles (Overseas spend)

Other Features

Earn rewards on every dollar spent:
Local spend: S$1 = 1 Mile (4.5 BOC Bonus Points)
Overseas spend: S$1 = 2 Miles (9 BOC Bonus Points)
No minimum spend required and no cap on the number of reward points you can earn.
Redeem your BOC Points for lifestyle rewards, including vouchers for popular brands like Golden Village, Grab, and SPC.
Enjoy exclusive travel privileges with Mastercard Airport Experiences provided by LoungeKey, with access to over 1,000 lounges worldwide and up to 15% off at luxury airport retailers and duty-free shops.
As a World Mastercard cardholder, you’ll have access to additional exclusive benefits.
And if you ever need assistance, our 24-Hour Mastercard Concierge Service is here to help.

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: First year waived
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 BOC Elite Miles World Mastercard offers competitive rewards rates for both local and overseas spending, with no minimum spend required and no cap on the number of reward points you can earn.
In addition, cardholders can enjoy exclusive travel privileges and access to a 24-hour Mastercard concierge service. However, the card comes with a relatively high annual fee and a high annual interest rate, so it may not be the best option for those who don’t plan on using it frequently or carrying a balance.

FAQ

A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.

While there are so many types of credit cards offering different features, you may wonder: How best to choose one that suits you?

Here’s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.