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BOC HKCEA Dual Currency Platinum Card

Data last updated 27 October 2026
32.00%
Purchase rate
HK$0
Annual fee
56 days
Interest-free

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BOC HKCEA Dual Currency Platinum Card card
Application

CardIQ

60Good

Good

Overall score, out of 100 · How this works

  • No annual fee80
  • Rewards40

Customer reviews

No reviews yet. Be the first to review the BOC HKCEA Dual Currency Platinum Card.

Pros & cons

What's good

  • No annual fee.
  • No fee to add an additional cardholder.

Worth noting

  • First 2 years annual fee waived for main card. From year 3, HK$1,600 p.a. for Platinum Card (per KFS schedule). Perpetual annual fee waiver for additional/supplementary cards. Tax inclusion not stated.
  • Earns 1 point per HK$1 on everyday spend, around the dataset average.
  • No balance transfer or introductory purchase offer.
  • Up to 56 interest-free days on purchases (below the 56-day median).

Card details

The basics

Additional cardholder fee
HK$0 p.a.
Card tier
Platinum
Card type
UnionPay
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
BOC Gift Point Rewards Program

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
Not published
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
30.00% p.a.
Purchases
32.00% p.a.

Fees

Additional cardholder fee
HK$0
Annual fee
No annual fee
Cash advance fee
4% of the amount
Foreign transaction fee
1%
Late payment fee
HK$280
Over limit fee
HK$180

Repayments

Interest-free period
Up to 56 days on purchases
Minimum repayment
HK$230 / CNY230 or the summation of item (i) to (iv) (whichever is higher): (i) total outstanding billed interest, fees and charges; (ii) any overdue minimum payment amount from previous monthly statement; (iii) total of over-limit amount; and (iv) 1% of the outstanding principal balance

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
1 pt per HK$1
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual feeHK$0Tied for best (1st of 40 cards)
Overseas fee1.00%Top 10% (2nd of 40 cards)
Interest-free days56 daysBetter than most (12th of 40 cards)
Purchase rate32.00%Better than most (14th of 40 cards)
Rewards valueHK$144 a yearMiddle of the market (8th of 18 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Credit card statistics for Hong KongHow CardIQ scores cards
Issuer
Bank of China (Hong Kong)