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BOC Cheers Visa Infinite Card

Data last updated 27 October 2026
32.00%
Purchase rate
HK$0
Annual fee
225,000
Bonus points

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BOC Cheers Visa Infinite Card card
Application

CardIQ

57Good

Good

Overall score, out of 100 · How this works

  • Airport lounge55
  • No annual fee42
  • Rewards59
  • Sign-up bonus71
  • Travel57

Customer reviews

No reviews yet. Be the first to review the BOC Cheers Visa Infinite Card.

Pros & cons

What's good

  • 225,000 bonus points to start, worth around HK$900 at our 0.4c-per-point valuation.
  • No annual fee.
  • Complimentary airport lounge access.
  • Earns 10 points per HK$1 on bonus categories and 10 points per HK$1 on overseas spend.
  • No fee to add an additional cardholder.

Worth noting

  • The annual fee increases from HK$0 to HK$3,800 in the second year.
  • Earns 1 point per HK$1 on everyday spend, around the dataset average.
  • The 10-point rate on bonus categories applies only to the first HK$10,000 spent each month, then drops to a lower rate.
  • Requires a minimum income of HK$600,000 a year.

Card details

The basics

Additional cardholder fee
HK$0 p.a.
Card tier
Signature
Card type
Visa
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
BOC Gift Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
HK$600,000 p.a.
Residency
Hong Kong
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
Annual fee (year 2+)
HK$3,800 p.a.
Cash advance fee
4% of the amount
Foreign transaction fee
1.95%
Late payment fee
HK$280
Over limit fee
HK$180

Repayments

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

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
10 pts per HK$1 in bonus categories, up to HK$10,000 per month
Other purchases
None
Overseas spend
10 pts per HK$1 on overseas spend, up to HK$25,000 per month
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
Accumulate spending of HK$12,000 or above within the first month and following 2 calendar months of card issuance
Sign-up bonus
225,000 points

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.

Overseas fee1.95%Top 25% (10th of 40 cards)
Interest-free days56 daysBetter than most (12th of 40 cards)
Sign-up bonusHK$900Better than most (4th of 11 cards)
Purchase rate32.00%Better than most (14th of 40 cards)
Rewards valueHK$144 a yearMiddle of the market (8th of 18 cards)
Annual feeHK$3,800 a yearAmong the most expensive (38th of 40 cards)

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

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Airport loungeFree additional cardsRewardsSign-up bonusTravelView all →

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Sources

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