Each primary cardholder can apply for up to 9 additional cards for immediate family members.

Gift points are valid for 15 months in general whereas for Platinum cardholders Gift Points remain valid for 3 years. For ease of reference, your gift point balance and the deadline for redemption are shown on your monthly statement.

All previous balances and new transactions will be billed in accordance with a statement cycle, with the last day of the billing cycle being the cut-off day. You have to pay the bill within 26 days after the cut-off day. You may enjoy a maximum 56-day interest-free repayment period for new transactions, provided no previous balance is being carried forward.

If the whole amount of the statement balance is not settled before the payment due date, the outstanding balance will be subject to interest. If the minimum payment due is not settled on or before the payment due date, a late charge calculated at 5% of the minimum payment amount, together with the interest of the outstanding balance, will be charged in each billing cycle. Please refer to Fees Schedule for details.

You may call our 24-hour Customer Services Hotline (852) 2853 8828 for assistance. We shall request you to complete an "Enquiry Form - Dispute Item(s)" for our follow-up action. The process will take 4-6 weeks, and you will be notified of the result either in writing or in your monthly statement. If the transaction in question is proved valid, a "Sales Slip Retrieval Fee" of HK$30 will be charged.

Direct Debit Authorization is a payment agreement made between a cardholder and a merchant. As a credit card company, we only provide a channel for payment and as such, have no authority to cancel the Direct Debit Authorization on your behalf. You should contact the merchant directly to cancel the authorization.

If the merchant declines to do so, you may call our 24-hour Customer Services Hotline (852) 2853 8828 for assistance and we shall ask you to complete a "Termination of Direct Debit Authorization" form. We shall endeavour to secure a cancellation on your behalf by liaising with the merchant. Regardless of the result, a "Termination of Recurring Transaction Fee" of HK$50 will be charged.

You may fax or mail to us a completed "Request for Refund Form" and we will arrange for the refund in accordance with your instruction. A "Credit Balance Refund Fee" of HK$50 will be debited from your credit card account directly. Alternatively, you may transfer the credit balance to your other BOC Credit Card account(s) for setting-off repayments.

In Hong Kong, you may obtain a cash advance through any "JETCO" ATM displaying the appropriate card brand logo or over-the-counter at any branch of Bank of China (Hong Kong), Nanyang Commercial Bank or Chiyu Banking Corporation Ltd. The "Cash Advance Handling Fee" is 3% of the advanced amount plus a fee of HK$20 per transaction (with an additional fee of HK$25 if the cash advance is made through a PLUS or a CIRRUS ATM network).

If you are outside Hong Kong, the "Cash Advance Handling Fee" is 4% plus a fee of HK$20 per transaction (with an additional fee of HK$25 if the cash advance is made through a PLUS or a CIRRUS ATM network).

There is a daily limit of HK$20,000 for cash advance made through an ATM (or up to the available credit limit, whichever is lower). If you desire a larger amount, you will have to perform the transaction over-the-counter at a bank .

If you wish to increase your credit limit, you will have to provide us with your latest financial information and the desired credit limit. We shall notify you of the result in writing once available.

If the bank issuing your credit card is the same as the one where your bank account is held, you may bring along your bank passbook and your credit card to any branch of the related bank to request for such a facility to be added to your credit card(If you already have an ATM card for your bank account, please also bring along that ATM card for cancellation). Each primary card can accommodate 2 personal bank accounts (current or savings).

Alternatively, you may complete and return to us by fax or mail the "Encoding or Decoding ATM Facilities Application Form". Upon completion of signature verification with your account opening branch, we shall process your request accordingly.

Please call our 24-hour Lost Card Hotline (852) 2544 2222 as soon as you discover the loss.

For security reasons, your replacement card for the lost card will bear a new card number. To ensure uninterrupted and correct processing of all Direct Debit Authorizations, you have to notify the merchants concerned to use the new card number. For PPS, you also have to re-register with the new card number to ensure proper payment processing.

You can complete the address update slip on the reverse side of the monthly statement or contact us for a "Cardholder Information Amendment Form" to fill in the required details, then fax or mail it to us for action. Alternatively, you may provide us with a written notification under a signature that corresponds with the one on our record, or simply visit any branch of Bank of China (Hong Kong), Nanyang Commercial Bank or Chiyu Banking Corporation Ltd. with your request.