BOC HK Credit Cards for Mainland Applicants | Generated by AI
Eligibility for Mainland Chinese Citizens Applying for BOC HK Credit Cards
As a mainland Chinese citizen (non-Hong Kong resident), you can apply for most Bank of China (Hong Kong) - BOC HK - credit cards, provided you meet the general criteria: aged 18 or above, with stable legitimate income (typically HKD 96,000+ annually, varying by card), and no adverse credit history. Your existing BOC HK account, BOC Pay+, and UnionPay debit card will strengthen your application as an existing customer, potentially speeding up approval and allowing online submission via the BOC HK app or website.
Key points:
- Non-resident status: You’ll apply as a non-HK resident (no HKID required). Submit a valid passport, Mainland Travel Permit for Hong Kong and Macao Residents (Home Return Permit), and a copy of your mainland ID (hukou or residence permit). Proof of address (e.g., utility bill or bank statement from the last 3 months) is also needed.
- Dual Currency Cards: Many popular options are UnionPay Dual Currency cards (HKD + CNY), ideal for cross-border use, with no foreign transaction fees on CNY spends in mainland China.
- Application Methods:
- Online: Via BOC HK mobile app, website (bochk.com), or BOC Credit Card online portal. Upload documents digitally.
- Branch: Visit any BOC HK branch in Hong Kong with originals.
- Phone: Call 24-hour hotline (852) 2853 8828 for guidance.
- Processing: Approval takes 7-14 days; credit limit based on income and credit check (shared across BOC cards). As an existing account holder, you may get priority.
- Recent Update (2025): Since March 2025, HK banks like BOC HK can issue cards directly in mainland China via select branches, but for HK-issued cards, apply as above.
Available BOC HK Credit Cards for Mainland Applicants
Most cards are open to non-residents like you. Below is a table of popular options based on current offerings (as of Nov 2025). Focus on those with cross-border perks, given your profile. Annual fees may be waived with spending thresholds; rewards in points redeemable for cashback, travel, or shopping.
| Card Name | Network/Type | Key Features | Min. Annual Income | Suitability for You |
|---|---|---|---|---|
| BOC Go UnionPay Dual Currency Card (Platinum/Diamond) | UnionPay Dual Currency | Up to 10X points on mainland spends (till Dec 2025); airport lounge access; no FX fees on CNY. | HKD 150,000+ | High – Great for frequent HK-mainland travel; leverages your UnionPay debit. |
| BOC Cheers Visa Signature Card | Visa | 5% cashback on dining/travel; 1% unlimited on overseas; welcome bonus up to HKD 800. | HKD 120,000+ | Good – Rewards for cross-border dining/shopping; easy online apply. |
| BOC Chill Mastercard | Mastercard | 5X points on entertainment/streaming; 1% cashback all spends; low 1.5% FX fee. | HKD 96,000+ | Good – Relaxed perks; suitable if you use BOC Pay+ for daily spends. |
| BOC Taobao World Mastercard | Mastercard | Up to 8% off Taobao/Alipay; 5X points on online shopping; CNY wallet for mainland e-commerce. | HKD 120,000+ | Excellent – Ties into mainland online habits; no-fee CNY transactions. |
| BOC SOGO Visa Card | Visa | 5% rebate at SOGO stores; bonus points on HK retail; dual currency option available. | HKD 96,000+ | Moderate – If you shop in HK; add dual currency for mainland use. |
| BOC Dual Currency Diamond Card | UnionPay Dual Currency | Premium lounge access; 3X points on travel; high limit up to HKD 500,000. | HKD 300,000+ | High – For higher spenders; existing BOC account helps approval. |
Notes: Not exhaustive; other cards like BOC i-Card or Platinum Visa are also available. Check bocHK.com for latest promos (e.g., HKD 1,000 welcome cashback). If income is borderline, start with entry-level like Chill Card.
Next Steps
- Log into your BOC HK app or visit BOC HK Credit Cards to pre-assess eligibility.
- Prepare docs: Passport, Travel Permit, ID copy, income proof (e.g., tax return or salary slip).
- Apply online – mention your existing account for faster processing.
If denied, alternatives include mainland BOC cards (e.g., Great Wall International), but HK versions offer better global acceptance.
Customer Declaration for Non-HK Residents
BOC HK Credit Card Application
HK Banks Issuing Cards in Mainland
BOC HK Products Overview