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BOC Elite Miles
Miles card by Bank of China · Easy · No minimum spend
Earns 1.4 mpd on all spend in S$ and 2.8 mpd in a foreign currency. Annual fee: See terms.
Earn rate1.4 mpdall spend in S$
Everything else1.4 mpdin S$
Foreign currency2.8 mpdbefore fees
Annual feeSee terms
Checked against Bank of China's own terms on 2 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| Everything else, in S$ | Any way of paying | 1.4 mpd |
| Everything else, in a foreign currency | Any way of paying | 2.8 mpd |
The bank's full earning rules
- Local spend: 7 BOC Bonus Points per S$1 (1.4 miles).
- Overseas spend: 14 BOC Bonus Points per S$1 (2.8 miles).
- No minimum spend or cap stated.
Where the bonus applies
- All eligible retail spend
Earns nothing on
- Annual fees, interest, cash advances and instalment purchases
- Insurance, utilities, financial services, education, government services, parking, betting and prepaid top-ups
- From 1 Jul 2025 also MCCs 5199, 5965, 5993, 6381, 6529, 6530, 6534, 7349, 7511, 7523, 8651, 8699, 8999, and CardUp and ipaymy transactions
Fees and limits
Overseas fee3% on foreign-currency transactions (2% BOC administrative fee + 1% Mastercard cross-border fee); 1% on SGD transactions processed overseas.
Rewards expiryPoints are valid for 12 to 24 months: points earned 1 Jul 2025 – 30 Jun 2026 expire on 30 Jun 2027.
Turning rewards into miles or cash50,000 BOC Bonus Points = 10,000 KrisFlyer miles; S$30.56 incl. GST conversion fee.
Good to know
Uncapped: 1.4 mpd local, 2.8 mpd overseas spend.
Where these facts come from
T&Cs Governing BOC Elite Miles World Mastercard Programmeeffective 1 Jul 2025
BOC notice of changeseffective 1 Jul 2025
Bank of China Credit Cards Charges15 Jun 2025
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