Hotline : 

Current Position : Home > BOC MACAU > Card > BOC Multi-currency Credit Card
Online Banking

BOC Multi-currency Panda Credit Card

Foreign Transaction Fee waived on non-MOP currencies payments made around the world


Support the conservation work for the Giant Pandas in Macau through the use of this Panda Card! 10% of the operating profit from this Panda Card will be donated to the Giant Pandas Fund as one of the sources of funding for the conservation work for the Giant Pandas in Macau.


1. Privileges and Cost Saving

1.1 Are you annoyed by the Foreign Transaction Fee charged on your traveling expenses?

We have waived the Foreign Transaction Fee charged on payments made around the world with BOC Multi-currency UnionPay Credit Card. Travel and shop hassle free from now on!

1.2 Would you buy Travel Insurance before your trip?

Simply swipe your card for purchase payment once to be eligible for free Travel Insurance while you are traveling aboard. No pre-arrangement required.
Remarks: Travel Insurance underwritten by China Taiping Insurance (Macau) Company Limited.

1.3 Still need to remember to redeem your gift points before expiry date?

BOC Multi-currency Credit Card saves you a lot of hassle. The accumulated total of purchase payments and cash advances made with your credit card will be converted to gift points on a MOP/RMB 1:1 basis. Every 200 points will be converted to MOP 1 by the end of each quarter automatically. Remaining balance of less than 200 points will be carried forward to the next quarter.

Remarks: Gift points reward does not apply to tax payments, withdrawal of debit balance from card, UnionPay Card transactions in the Mainland, nor transactions made for purchase of properties, cars, air tickets, gasoline, wholesale goods, paying hospitalization fees, tuition fees, other types of transaction or as announced by the Bank from time to time.

1.4 Are you still paying Annual Fees?

Simply make 6 retail transactions payments with your card in each calendar year to enjoy annual fee waiver in the next calendar year, no matter how much you have paid in total! Save with BOC Card, shop smart!

1.5 Interest-Free Statement Installment Plan

All retail transactions in your credit card statement can be repaid by 6 or 12 monthly interest-free installments. Only a handling fee will apply. You can apply via BOCNET (Personal) or BOC Service Hotline at 888 95566. The application will be approved immediately via BOCNET (Personal). Let your cash flow be more flexible. For enquiry, please refer to the BOC Multi-Currency Credit Card Statement Installment Plan.

2. Flexibility and Security

2.1 More protection for your credit card

To enhance security of cards, the magnetic stripes of all cards have been disabled. Customers may settle payment or advance cash with this card at merchants with EMV chip-enabled terminals in Macau or overseas.

2.2 Increase your credit limit temporarily, an easy and better way

Simply call our 24-hour BOC Service Hotline to ask for a temporary increase of your credit limit, up to a 50% increment on top of your original limit!

2.3 Credit limits for each of your credit cards can be set individually and flexibly

Credit limits of UnionPay and Visa cards can be set individually and flexibly according to your needs.

2.4 Instant message - keep you informed of all card transactions

To register for the message alert service, you must have a Macau mobile phone number to bind with the BOC WeChat Banking Service in order to receive the messages which will be sent automatically once any point of sales, cash advance or payment transactions are made with card, or in case of any card status changes.

2.5 One-time password to increase security

For added safety, whenever you make an online purchase at a UnionPay (UPOP) enabled website, you will receive a one-time security code which will expire in a specified time through your mobile phone to authenticate the transaction.

3. Living in the electronic era

3.1 Save papers and be environmental friendly

Select e-statement to view your monthly statements for the last 12 months online anytime via BOCNET (Personal), BOC Mobile Banking and BOC WeChat Banking. You can also download e-statement via BOCNET (Personal).

3.2 Set your own auto-pay instruction online, an easy and better way!

Set up your standing instruction online anytime via BOCNET(Personal) for the automatic repayment, either in full or minimum, of your credit card balances monthly.

3.3 Various repayment channels for your convenience

There are various repayment channels available for you to repay your monthly balances, including BOCNET, BOC Mobile Banking Services, BOC WeChat Banking, BOC Express, Cash Deposit Machine(“CDM”), BOC Service Hotline 888 95566, Autopay Service, by Cheque and at the counter.

4. Heartfelt Services

The 24-hour BOC Service Hotline 888 95566 will be available for account enquires, increase/decrease of credit limit, application of services and lost card reporting, etc.

5. Travel around the world

UnionPay Credit Cards are welcome by UnionPay merchants all around the world. Not to mention that it is the credit card mostly welcomed by numerous UnionPay merchants in Mainland China.

Cardholders who need to advance cash may do so at ATMs displaying the UnionPay logos all over the world.

*The possibility of using password to authenticate transactions will depend on the settings of the POS terminal of the merchants.

**Cash advances are subject to restrictions on cash advance and currency of local banks.

Start Smart

1. Pay with UnionPay in Macau, Hong Kong & the Mainland

The cardholder can choose “PIN + signature” or “Signature Only” to verify all retail transactions of UnionPay card in Macau, Hong Kong and the Mainland. Transactions made with the UnionPay Card in the Mainland will be settled in RMB, while all transactions made locally in Macau or overseas will be settled in MOP. For easy viewing, transactions of MOP and RMB will be shown separately in your monthly statement.

2. Contactless payment

Contactless payments are accepted by merchants displaying the  or  logo around the world. PIN verification and the cardholder’s signature are not required for the offline transaction amount is under MOP/HKD500. If transaction amount is over MOP/HKD500 or the offline account is over MOP/HKD1,000, PIN and signature will depend on the settings of the POS terminal of the merchants.

* Offline transactions are not authenticated by issuer. The cardholder doesn't receive the message.

** Offline accounts are the sum of offline transaction amount. The cardholder can reset by Macau merchants if the account is over designated limit.

*** Offline account is identical to cash and report loss of Offline account will not be accepted. The cardholder should bear the responsibility for the financial loss arising from careless safeguarding the Card (including but not limited to loss or theft, etc.).

Application requirements

1. Eligible customers

All Macau residents, aged 18 or above, with an annual income of MOP48,000 or above are welcome to apply for a BOC Multi-currency Panda Card. 

2. Documents required

Depending on the applicant, income proof of the latest 3 months or the most updated tax advice of the company may be required.

3. Application Procedures

Please fill out an application form and submit together with the required documents to Bank of China Macau Branch or any sub-branches.

4. Friendly Reminder

4.1 All applications, including card type, credit limit and offers, will be subject to the final approval of the Bank based on documents submitted.

4.2 Application forms and documents submitted will not be returned.

Related Service