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BOC Chill World Mastercard

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

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BOC Chill World Mastercard card
Application

CardIQ

29Basic

Basic

Overall score, out of 100 · How this works

  • Cashback74
  • No annual fee42
  • Rewards0
  • Sign-up bonus0
  • Travel30

Customer reviews

No reviews yet. Be the first to review the BOC Chill World Mastercard.

Pros & cons

What's good

  • No annual fee.
  • Earns cashback on eligible spending.
  • 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 no rewards points on spending.
  • 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
Mastercard
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

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
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 item (i) to (iv) (whichever is higher): (i) total outstanding billed interest, fees and charges; (ii) any overdue minimum payment; (iii) total over-limit amount; (iv) 1% of 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

Cashback

Cashback cap
HK$150 per month
Ongoing cashback
10% on eligible spend

Up to 10% at Chill Merchants (requires HK$1,500 monthly physical store spend); 5% on overseas & online spend. Extra cash rebate capped at HK$150/month. Base Gift Points earn 0.4% equivalent.

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)
Purchase rate32.00%Better than most (14th of 40 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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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)