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World Heritage Card

1. Product

World Heritage Card

2. Features

2.1 Three card face designs of the World Heritage monuments in Macau, including the Ruins of St. Paul’s, the A-Ma Temple and the Guia Fortress, for you to choose from.

2.2 A more secured way

2.2.1 “Chips + PIN” means more secured

Data of the card is stored and encrypted in a chip [1] embedded on the front side, thus making it difficult to counterfeit and preventing fraudulent use. In addition, card transaction will be verified by PIN.

2.2.2 Overseas transaction function

Cardholders may activate/deactivate the overseas transaction function of the cards when require. If you wish to withdraw cash or make payment overseas thereafter, you may activate the overseas transaction function via BOCNET(Personal), BOC Express , BOC Macau ATMs / ATMs with JETCO logo, Mobile Banking or BOC Service Hotline 888 95566. In addition, the validity period and daily withdrawal limit can be changed anytime through these channels.

2.2.3 SMS and WeChat message alert

Whenever you settle payment with card, withdraw cash and make a transfer, etc. via self service machines, a message will be sent to your mobile phone or WeChat account [2] instantly to minimize losses even though your card may be fraudulently used by any third party.

2.3 Preferential offers

2.3.1 Special discount on health care services

Cardholders may enjoy special discounts on a range of health care services provided by Kiang Wu Hospital.

2.3.1 Choice of accounts and currencies of your card, no currency exchange required for transaction made in the 3 places

Both savings and current accounts in MOP, HKD, RMB or other foreign currencies (For balance enquiry only) can be linked to your card to suit your banking needs. For card transactions made in Macau, Hong Kong and the Mainland, the transaction amount will be deducted from the account in the same currency of the transaction [3].

2.3.1.1  Withdrawals or Spending made in the Mainland will be deducted from the RMB account;

2.3.1.2 Withdrawals or Spending made in Hong Kong will be deducted from the HKD account;

2.3.1.3 Withdrawals or Spending made in Macau will be deducted from the MOP account;

2.3.2 Swipe your card to enjoy all the shopping convenience worldwide

BOC Card is widely accepted by more than 7.2 million merchants displaying the “UnionPay” logo in more than 140 countries. What’s more! BOC Card is mostly welcome by merchants in the Mainland, including gas stations, supermarkets and hospitals.

2.3.3 No overseas Transaction fees for transaction made overseas

You will enjoy the fun of shopping more all around the world and free of the hassle of paying lots of overseas transaction fees.

2.3.4 Annual fee waived if yearly spending totally $2,000 or above

The annual fee will be waived for the following year if the accumulated card payments deducted from your bank accounts totally $2000 or above annually.

2.4  The Banking Service for You                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               

2.4.1 One-account-multi-cards for your special needs

To cater for customers’ individual needs, customers may request more than one card for one account [4]. Each additional card may be linked to different account(s) and set its own password.

2.4.2 Present your card for service at the counter, no passbook required

Simply present your card at our service counter and we will be at your service even without your savings book.

2.4.3 Combined account balance for your convenience

2.4.3.1 Funds available in the account(s) in the card will be transferred without limit.

2.4.3.2 Withdrawal limit for each account is $20,000[5] per day. If there are 3 accounts in the card, the withdrawal limit will be $60,000 in total.

2.4.3.3 The limit for making payment with card is the same as the balance of the accounts, or may be set by the account holders ranging from $0, $50,000, $100,000, $500,000 to $1,000,000. To be even more flexible, customer may set a temporary limit for short term needs.

3. Standard functions

3.1 Core functions

3.1.1 Cash withdrawals

Withdrawals can be made at ATMs linked to JETCO network in Macau and Hong Kong and UnionPay network all around the world. The daily cash withdrawal limit for each account is MOP/HKD/RMB20,000.

3.1.2 Transfers

For fund transfers made at ATMs linked to JETCO network in Macau and BOC Express, the daily transfer limit between the bank accounts in the same card is unlimited; while the daily transfer limit to any third party account is MOP/HKD20,000 (Combined with the daily limit of cash withdrawals). Any exchanges made related to RMB will be subject to the rules and regulations of RMB.

3.1.3 Balance enquiry

3.1.4 Application for new check books and monthly statement

3.1.5 Making Payments of credit card balance, DSF tax, phone, electricity and water bills and sim card top up

3.1.6 Non-cash transactions and donations via BOC Express

3.1.7 Cash deposit, credit card repayment and sim card top up via Cash Deposit Machines (“CDM”)

3.2 Automatic teller machines services

Making withdrawals and other banking services via our ATMs or ATMs linked to JETCO network or UnionPay network 24-hour a day [6].  

4. Eligible Customers

All BOC saving / current account holders

5. Application Documents

Copies of the identity documents of all the relevant account holders, proprietor, or legal representatives of limited company according to the article of association or authorized by minutes of meetings shareholders/directors.

6. Application procedure

All the relevant account holders should visit BOC Macau Branch or any sub-branch personally.

 

Notes:

[1] The validity period of the chip card is 10 years.

[2] To register for the SMS message alert service, you must have a valid Macau mobile phone number; For WeChat message, you must bind your phone number with BOC WeChat Bank.

[3] When transaction amount is larger than the bank account in the same currency, the balance of the account in the same currency will be deducted first and the excess amount will be deducted from other account in other currency after currency exchange. For withdrawals and purchases payment transactions made overseas, the transaction amount will be deducted from the MOP, HKD and RMB account in that order to minimize cardholders’ loss in exchange.

[4] If customer requests 2 or more cards, fee will be charged on each additional card.

[5] Private Banking/Prestigious Wealth Management/Wealth Management customers may set the withdrawal limit per account per day.

[6] Including Jet Payments.

[7] The Bank reserves the right to revise the overseas transaction fees applicable to withdrawals made at ATM linked to JETCO network and other networks in regions outside of Macau.

[8] A international service fee will be charges if you press “confirm” to proceed with the withdrawal transaction when a message popped up showing “This is an international transaction and service charges will apply” or in similar wordings.

[9] More details on "BOC Bank Card Fee Schedule ".

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