BOC Sheng Siong Card

BOC Sheng Siong Card

Enjoy greater savings at Sheng Siong with the BOC Sheng Siong Card. Benefits include 6% cash rebate, and unlimited 1.5% cash rebate for overseas and local purchases.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Cashback Local
12  %
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Min. Annual Income
S$ 30,000
Annual Fee
S$ 32.1
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Annual Fee Waiver
1 year

Things to consider

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Supermarket rebate

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No rebate cap

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No monthly spend required

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Rebate cap applied

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Benefits

Cashback

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Cashback Base Rate
0.3  %
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Cashback Supermarket
12  %
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Cashback Local
12  %
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Cashback Overseas
1.6  %
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Quick Facts

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Enjoy up to 12% cash rebate at Sheng Siong.

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Additional 6% cash rebate on your Sheng Siong purchases when you spend S$600 elsewhere.

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1.6% unlimited cash rebate on your overseas spend including online purchases.

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0.3% cashback on all other purchases.

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Minimum S$600 out-store spending required to get the 12% cashback at Sheng Siong. Otherwise, you will be awarded with 6% cash rebate which is not subject to any minimum spend.

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Total cash rebate for Sheng Siong is capped at S$75.

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Eligibility

Eligibility

Minimum Age
21  years old
Min. Annual Income
S$ 30,000
Monthly Spend Required
None
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Fees / Repayment

Fees

Annual Fee Waiver
1 year
Annual Fee
S$ 32.1
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Foreign Currency Transaction Fee
2  %
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Air Miles Conversion Fee
S$ 30

Repayment

Minimum Payment
S$ 50
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Late Payment Charge
5  %
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Interest on Purchase
28.88  %
Interest on Cash Advance
28.88  %
Interest Free Period
23  days
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Others

Association

VISA Platinum

Tags

BOC Sheng Siong Card BOC Sheng Siong Card

BOC Sheng Siong Card

  • Enjoy up to 6% cash rebate at Sheng Siong, capped at S$35 per month.

The BOC Sheng Siong Card is best for regular Sheng Siong shoppers who want to maximise cash rebates on their grocery runs.

It allows you to earn up to 6% cash rebate on Sheng Siong spend and unlimited 1.5% cash rebate on your overseas and local purchases outside Sheng Siong.

You also get to enjoy exclusive Visa Platinum privileges, giving you access to offers and deals at millions of merchants worldwide.

Spend Category

Rewards Earned

Sheng Siong supermarket spend

Up to 6% cashback (capped at S$35 per billing cycle)

All other local spend

1.5% cashback (no minimum spend)

Overseas spend

1.5% cashback (no minimum spend)

 

BOC Sheng Siong Card at a glance

Grocery shopping

4.5/5 Stars

  • Up to 6% cashback at Sheng Siong supermarkets and Sheng Siong Online with minimum S$300 out-store spending
  • Cashback capped at S$35 per billing cycle

Everyday spending

3.5/5 Stars

  • 1.5% cashback on all other eligible local and overseas transactions
  • No minimum spend requirement
  • Useful for daily expenses outside Sheng Siong, but less competitive compared to specialised cashback cards

Overseas spending

2.5/5 Stars

  • 1.5% cashback on all eligible overseas transactions
  • No minimum spend requirement

Petrol

2.5/5 Stars

  • Petrol transactions fall under “other spend” at 1.5% cashback
  • No additional discounts or tie-ups with fuel providers
  • Better to use a dedicated petrol credit card for drivers

 

Annual interest rate and fees

  • Annual principal fee: S$98.10 (inclusive of GST)
  • Supplementary annual fee: S$16.35 (inclusive of GST)
  • Fee waiver: 1-year waiver
  • Interest free period: 25 days
  • Annual interest rate: 27.9% p.a.
  • Late payment fees: S$100 or 5% per month of the minimum payment sum, whichever is greater
  • Minimum monthly repayment: 3% of the monthly balance outstanding, plus any outstanding minimum payment sum, plus the amount in excess of the credit limit, or S$50, whichever is greater
  • Foreign currency transaction fee: 3-3.2%
  • Cash advance transaction fee: 6% or S$20, whichever is higher
  • Overlimit fee: S$40

Minimum income requirements

Singapore Citizen/PR minimum income: S$30,000
Foreigner minimum income: S$60,000

 

Why apply for the BOC Sheng Siong Card

Grocery savings

  • Up to 6% cashback at Sheng Siong supermarkets and Sheng Siong Online with minimum S$300 out-store spending
  • Cashback capped at S$35 per billing cycle

Additional benefits

  • First-year annual fee waiver for both principal and supplementary cards
  • Access to Visa Platinum privileges, including global merchant offers and deals
  • Worldwide acceptance across Visa’s extensive network

Everyday value

  • 1.5% cashback on all other eligible local and overseas spend
  • Simple, fuss-free rebate structure — no need to track categories
  • Great fit for households who do regular Sheng Siong grocery runs

SingSaver’s take

The BOC Sheng Siong Card is a top pick for budget-conscious households who do most of their grocery shopping at Sheng Siong. With up to 6% cashback on Sheng Siong purchases and a simple 1.5% flat cashback on all other local and overseas spend, it delivers consistent savings without the hassle of tracking multiple categories. While it doesn’t come with travel perks, air miles, or petrol discounts, the generous grocery rebates and first-year annual fee waiver make it a practical everyday card. If Sheng Siong is your go-to supermarket, this card pays for itself many times over.

 

Pros Cons

✅Enjoy up to 6% cash rebate at Sheng Siong when you spend S$300 elsewhere.

✅ 1.5% unlimited cash rebate on local and overseas spend outside of Sheng Siong.

❌ Minimum S$300 out-store spending required to get the 6% cash rebate at Sheng Siong. Otherwise, you will be awarded with 0.3% cash rebate which is not subject to any minimum spend.

❌  Total cash rebate for Sheng Siong is capped at S$35.

 

Card comparison

Card

Cashback/Rewards

Annual Fee (Principal)

Other Perks

BOC Sheng Siong Card
  • Up to 6% cashback on Sheng Siong spend (capped at S$35/month, with $300 out-store spending)
  • 1.5% cashback on all other spend

S$98.10 (First year waived)

Exclusive Visa Platinum privileges

OCBC 365 Credit Card
  • 5% cashback on dining and online food delivery
  • 3% on groceries, transport, and utilities
  • 6% cashback onfuel spend at all petrol service stations

*Min. S$800 monthly spend required to enjoy above cashback rates. If minimum spend isn’t met, a flat 0.25% cashback is awarded instead.

S$196.20 (First two years waived)

Up to 29.5% off fuel at Caltex, Esso and Sinopec

UOB One

Card
  • Up to 10% cashback on dining and transport (with S$2,000 monthly spend)
  • Up to 8% cashback on groceries

S$196.20 (First year waived)

Fuel savings of up to 22.66% at Shell and SPC


The BOC Sheng Siong Card may not offer broad-based cashback across multiple categories, but it shines for shoppers who frequent Sheng Siong.

 

Application process

  1. Click “Apply Now” on this page
  2. Complete the Bank of China online application form
  3. Upload NRIC and income documents
  4. Wait for approval — typically about 2 weeks, though sometimes faster

Frequently asked questions about the BOC Sheng Siong Card

Are there annual fees?

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Yes, the annual fee is S$98.10 (inclusive of GST) for the principal card. However, the first year’s fee is waived for new cardholders. Supplementary cards also enjoy a first-year fee waiver.

What is the income requirement?

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The minimum annual income for Singapore Citizens and Permanent Residents is S$30,000. For foreigners residing in Singapore, the minimum is S$60,000. Applicants must also be at least 21 years old.

What is the mile per dollar or cashback offered?

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This is a cashback card, not a miles card. You’ll earn:

  • Up to 6% cashback on Sheng Siong supermarket and online spend (capped at S$35 per billing cycle)
  • 1.5% cashback on all other eligible local and overseas spend

Cashback is automatically credited to offset your monthly bill — no conversion or redemption required.

Are there extra perks?

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Yes. The card comes with:

  • Exclusive Visa Platinum privileges, giving you access to global merchant deals and offers
  • Worldwide acceptance via the Visa network
  • First-year annual fee waiver for both principal and supplementary cards

Note: Unlike travel cards, the BOC Sheng Siong Card does not include air miles, lounge access, or complimentary travel insurance.

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