BOC Credit Card Additional Card /

BOC UnionPay Dual Currency Credit Card Additional Card

Referral Branch / Dept. No.

Staff No. 8 8 Staff Tel. No.

Please complete in BLOCK letters. Please submit the completed application form with the supporting documents and hand in to any branches of Bank of China (Hong Kong) Limited
(the “Bank”) in person. ALL SC=313

CARD APPLICANT INFORMATION

Name in English Chinese Name ID No. ( )

Credit Card No.

Perpetual Annual Fee

ADDITIONAL CARD APPLICANT If apply for more than 1 Additional Card, please make copy of this form,
each with Main Cardholder’s and Additional Cardholder’s signature and send altogether. Waiver for each Additional Card Applicant
An additional card of applicant must be 16 years of age or older. If main card applicant is a student, no additional card will be offered. The Additional Card card type applied for must be the same as the Main Card.

Name in English Chinese Name Formerly Used Name/Alias (if applicable)

(Please provide proof(s))

ID Card No. ( ) Nationality ^ E-mail Address

(Please attach copy) (Country/Region)

Sex M F Date of Birth DD/ MM/ YY Relationship with the Main Cardholder

Housewife Retired Student Others

Country/Region Country/Region
^ Hong Kong Code Area Code ^ Contact / Code Area Code
Residential Tel. No. Mobile Phone No.

Employer/Company Name in English Business Nature

Country/Region
Company Code Area Code Ext.
Tel. No. Position

^ Residential Address (P.O. Box is not acceptable)

□ Additional Card applicant’s residential address is different from the current residential address. (Please provide additional residential address proof)
HK 1 KLN 2 NT 3 China Location Code

^ Permanent Address (P.O. Box is not acceptable)

□ Additional Card applicant’s permanent address is different from the Main Card applicant. (Please provide Additional Card applicant’s permanent proof)
HK 1 KLN 2 NT 3 China Location Code

^ Customers’ contact information (including but not limited to mobile phone number and email address) may be used for notifying important matters relating to their credit card accounts. If the relevant contact
information is not provided, you will not be able to receive important risk notifications from the Company and the service of your credit card may be affected.
If you are an existing BOC Credit Card Main cardholder, the information provided in this Additional Card application form will not be used to update the existing information of your Main card account(s). If you
want to update the information of your Main card account(s), please make your request at any branches of the Bank.

Additional Card Monthly Credit Limit

Out of my personal card “credit limit” as approved by BOC Credit Card (International) Ltd. (the “Company”) for my main card*, I wish to allocate HKD_______________ , subject to absolute discretion of the
Company, as an upper credit limit for the aggregate amount of retail and cash advance spending for the above additional card(s) for each statement cycle (i.e. “Monthly Credit Limit”)
* If the main cardholder does not prescribe a Monthly Credit Limit for the additional cardholder(s), it means one “credit limit” will be shared jointly by the main and the additional cardholders. Credit limit will be rounded up to
the nearest thousand and expressed in terms of thousands. If the approved additional card monthly credit limit is lower than the one proposed by the main card applicant, the lower limit will apply.
Terms and Conditions for Monthly Credit Limit : 1.Without prejudice to any other terms and conditions regulating the use of credit limit assigned to a Card, the
Cardholder (including the Main Cardholder and Additional Cardholder, if applicable) shall strictly observe the monthly credit limit pre-set for each statement period from
time to time. The Cardholder shall not use the Card in excess of such monthly credit limit. Breach of this Clause shall not in any way reduce or discharge the liability of the
Cardholder for payment of any Charge arising as a result of such breach. 2.The monthly credit limit will be reset on the first day of each statement period.

CARD COLLECTION
New credit card will be mailed to your correspondence address. You will be informed to collect the new credit card at branch if it cannot be Bank of China (Hong Kong)
sent by post under certain circumstances. Please select card collection location if you choose to collect at branch.
District Branch Code District Branch Code District Branch Code District Branch Code
Bank of China (HK)-Hong Kong Island Bank of China (HK)-Kowloon □Kowloon Bay Branch 012866 □Castle Peak Road (Tsuen Wan) 012880
□Kennedy Town Branch 012560 □Choi Hung Road Branch 012646 □Yau Tong Branch 012785 □Kau Yuk Road Branch 012573
□409 Hennessy Road Branch 012611 □Wong Tai Sin Branch 012567 □Prince Edward Branch 012351 □Luen Wo Market Branch 012616
□Bank of China Tower Branch 012875 □Choi Hung Branch 012758 □Humphrey's Avenue Branch 012394 □Sheung Shui Branch 012590
□Central District (Wing On House) Branch 012916 □Diamond Hill Branch 012813 □Mong Kok Branch 012586 □Tuen Mun Town Plaza Branch 012889
□Causeway Bay Branch 012828 □Whampoa Garden Branch 012890 □Yau Ma Tei Branch 012878
□To Kwa Wan Branch 012918 Bank of China (HK)-Island District
□Heng Fa Chuen Branch 012390
□194 Cheung Sha Wan Road Branch 012352 Bank of China (HK)-NT □Hong Kong International Airport Branch 012800
□Lee Chung Street Branch 012594 □Sham Shui Po Branch 012552 □Tai Po Branch 012591
□Aberdeen Branch 012706 □Kowloon Plaza Branch 012898 □Tai Wai Branch 012608
□King's Road Branch 012737 □Castle Peak Road (Cheung Sha Wan) Branch 012923 □City One Sha Tin Branch 012565
□Kam Wa Street Branch 012882 □Mei Foo Mount Sterling Mall Branch 012566 □Ma On Shan Plaza Branch 012805
□Taikoo Shing Branch 012888 □Kwun Tong Plaza Branch 012601 □East Point City Branch 012814

698CRC0021001 1/1
 CONNECTED PARTIES
As at the date of this application, are you one of the following persons or their relatives: director/ supervisor/chief executive/senior management and key staff/chairman of committee/head of
department/head of branch/lending officer/controller (holdings 5% or more shareholding alone or together with associates who are controllers) of BOCHK or Bank of China Ltd (including their
subsidiaries and branches) or BOCHK’s subsidiaries, affiliates and other entities over which BOCHK is able to exert control or controller/ minority shareholder controller/director/senior management and
key staff of such subsidiaries, affiliates and other entities or being any firm, partnership or non-listed company which any of the aforesaid persons or their relatives is/are able to control? Would
any of your guarantors be any controller, minority shareholder controller or director of BOCHK or their relatives?
No, I/We confirm that I am/we are not any of the above persons or their relatives. I/We undertake to notify BOCHK and the Card Company promptly should my/our status change,
i.e. I/we become one of the above persons or their relatives.
Yes, please complete the following information.
Chinese Name English Name Company’s Name

Department Relationship with Applicant

YOUR SIGNATURE
I/We declare that the above information is true and complete and hereby authorize BOC Credit Card (International) Limited (the “Company”) to contact
my/our employers, financial and credit reference institutions or any other credit or information source for the verification thereof and for the collection of such
information as required for the processing and evaluation of this application and, if my/our application is approved, for the operation of my/our account(s). If
I/we are the existing customer(s) of the Company and/or have previously supplied any data to the Company for application purpose, unless I/we provide
further updated data in this application form, I/we confirm that all my/our existing records and/or the supplied data are up-to-date. I/We further agrees to notify
the Company promptly in writing upon occurrence of any changes to that information, in any event not later than 30 days after such change, and to provide
certified copies of any replacement or documents (including supporting and other documents required under any laws, regulations or guidelines issued by
any regulatory or tax authorities, if applicable). I/We acknowledges that the Company has the right to rely on the information obtained or that comes to
its knowledge from any source it may consider appropriate to update my/our existing information and may require my/our confirmation if necessary. I/We
further authorize the Company to disclose any information regarding me/us and/or this application and/or my/our account(s) with the Company confidentially
to (i) the Company's employees, agents and contractors for the purpose of processing and verifying this application; (ii) third parties employed by the
Company to provide services in connection with the operation of customer accounts (including credit check and debt collection service) and marketing of
account services; (iii) Bank of China (Hong Kong) Limited and its subsidiaries; and (iv) any third party whose name or logo appears on the Card. I/We
agree and understand that the data held by the Company relating to me/us may be transferred to other places (including places outside Hong
Kong) at any time and from time to time where the Company deems necessary. I/We hereby solemnly and sincerely declare that (i) I/we have not held
any credit card that was cancelled by the issuer due to my/our default in payment; (ii) I/we do not have any overdue payment exceeding 30 days in respect
of any of my/our indebtedness (including without limitation credit card, mortgage, personal loan and other financial arrangement); (iii) I/we have never
been adjudged bankrupt, or made the subject of any bankruptcy or similar proceedings, or of any receiving or similar order, in Hong Kong or elsewhere;
and (iv) I/we have carefully and conscientiously considered the status of my/our assets and liabilities. I/We have no intention to petition for my/our own
bankruptcy or for any similar order, or propose to enter into with my/our creditors any individual voluntary arrangement or similar arrangement, in
Hong Kong or elsewhere, nor do I/we see any reason why I/we should do so. I/We have carefully read and fully understand the attached
“Important Terms and Conditions of BOC Credit Card”, “BOC Credit Card Key Facts Statement”, “Terms & Conditions of “Over-the-limit Facility”
function”, “Data Policy Notice” (or such other document(s) issued under whatever name from time to time by BOC Credit Card (International) Limited
and certain of its related entities relating to their general policies on use, disclosure and transfer of personal data (as the same may be amended from
time to time)), the terms and conditions relating to Monthly Credit Limit and the terms and conditions of the Promotional Offer which stated in the
respective promotional materials or the Company’s website (if applicable) related to this application and agree to be bound by them (if applicable).
I/We understand that the Card Company does not engage with any financial intermediary and the Card Company does not accept any credit card
application referred to it by any financial intermediary or third party. I/We also confirm that my credit card application is not a referral by any financial
intermediary or third party, nor I /We have provided any personal information to financial intermediary or third party for procuring, negotiating, obtaining
or application of this credit card.

Applicable to BOC Henderson Club Visa Card:

I/We, confirm and accept that if my/our application(s) is/are approved I/we shall be automatically registered as member(s) of Henderson Club
(operated by Henderson Club Limited, a wholly-owned subsidiary of Henderson Land Development Company Limited). I/We hereby authorize the
Company to transfer and/or disclose the information provided by me/us in this application for the BOC Henderson Club Visa Card and the information
from time to time provided by me/us to the Company to Henderson Club for the latter to admit me/us to and maintain the Henderson Club membership.
I/We further authorize the Company to transfer and/or provide my/our updated information (including but not limited to the information mentioned
above) to Henderson Club from time to time for maintaining my/our Henderson Club membership. The BOC Henderson Club Visa Card will serve as
a credit card and a Henderson Club membership card. I/We have read the Terms and Conditions for Henderson Club Membership and agreed to be
bound by the Terms and Conditions for Henderson Club Membership (as the same may be amended from time to time)

Signature of Main Card applicant (Please do not alter) Signature of Additional Card applicant (Please do not alter)

Date Date
 NOTICE
1. An additional card applicant must be 16 years of age or older. 2. Each Main Cardholder is entitled to a maximum of 9 Additional Cards
(unless specified). 3. Please submit the original application form and required documents to any branches of BOC (HK). 4. Documents supplied in
connection with this application form are not returnable. 5. Should the applicant be a current Main Cardholder, his/her credit history and existing
credit limit will be taken into considered in the final approval and credit judgement. The Credit limit should be shared among all HKD Credit Cards and
UnionPay Dual Currency Credit Cards. 6. The card design of an Additional Card will be identical to the corresponding Main Card. 7. If the main
cardholder does not prescribe a Monthly Credit Limit for the additional cardholder(s), it means one “credit limit” will be shared jointly by the main and
the additional cardholders. All documents and monthly statement will be mailed to main cardholder’s correspondence address. 8. Credit limit will be
rounded up to the nearest thousand and expressed in terms of thousand. 9. If the approved “additional card monthly credit limit” is lower than the one
proposed by the main card applicant, the lower limit will apply. 10. Approval of the application, credit limit and corresponding interest rate are at the
sole discretion of BOC Credit Card (International) Limited. 11. Applicant understands the application and approval of the Credit Card are subject to
Rule 31 of the Banking (Exposure Limits) Rules (Cap. 155 sub. Leg. S), and the loan amount is determined by the final approval decision of BOCHK.
12. Remuneration of sales staff consists of fixed and variable components. The award of variable remuneration correlates in part with the staff’s
performance in financial and non-financial factors. 13. Please refer to BOC Credit Card (International) Limited Card/ Dual Currency Card User
Circular. 14. Card Centre reserves the right to adjust the interest rate at any time without notice. 15. The Main Cardholder and the Additional
Cardholder shall be jointly and at severally liable for all transaction liabilities in accordance with the Important Terms & Conditions of BOC Credit Card
User Agreement.

To avoid processing delay of your application, please enclose copy of the following documents:
□ Please enclose a photocopy of Hong Kong Identity Card of the Main and the Additional Card (if applicable) applicant(s) (in A4 size, with enlarged
image & in light colour). If an applicant does not have a Permanent Resident Hong Kong Identity Card, please provide together with a valid
passport copy. If the applicant is non-Hong Kong resident, please provide a valid passport copy (if the applicant is a mainland resident, please
provide a valid passport copy or an Exit-entry Permit for Travelling to and from Hong Kong and Macau, together with a copy of the Certification
of the Place of Permanent Right of Abode);
□ If Additional Card’s residential address is different from the Main Card, please provide Additional Card applicant’s residential proof (if permanent
address is different from the current residential address, please provide additional permanent address proof);
Extra documentary proof may be required by the Company to process your application.

TERMS & CONDITIONS OF “OVER-THE-LIMIT FACILITY” FUNCTION

(ONLY THE MAIN CARDHOLDER HAS THE SELECTION RIGHT FOR THIS OPTION)
1. If a cardholder opt-in “Over-the-limit Facility” function, the card may exercise limited overlimit transaction. Thereupon an Overlimit Handling Fee of
HK$180 (per statement cycle) will be debited to the account whenever its balance exceeds the “Combined Limit” amount specified on the monthly
statement. 2. If a cardholder opt-out of “Over-the-limit Facility” function, BOC Credit Card (International) Limited (“the Company”) will reject any
overlimit transaction conducted on the relevant main and additional credit card(s) (if any); unless they are processed offline (such as, but not limited

cidcbcOL(en)202306
to, Octopus Automatic Add Value Service, contactless transaction, in flight or cruise transactions or recurring payment and so on) then no Overlimit
Handling Fee of HK$180 (per statement cycle) will apply. 3. If a cardholder needs to apply for “Over-the-limit Facility” function, please contact us via
Online Chat or call our 24-hour Customer Services Hotline at (852) 2853 8828 for further processing. 4. If there is any inconsistency or conflict
between the English and the Chinese versions of these terms and conditions, the English version shall prevail.

Reminder: To borrow or not to borrow? Borrow only if you can repay!

 IMPORTANT TERMS & CONDITIONS OF BOC CREDIT CARD prevent fraud), your liability for all unauthorized transactions (other CONTACTLESS PAYMENT FUNCTION
than cash advances) incurred prior to report shall not exceed
The important terms and conditions of the Credit Card User Agreement/ HKD500 or the maximum amount as notified by the Company 1. BOC Visa Credit Card is a credit card with built-in contactless
Credit Card Agreement (“User Agreement”) which impose significant to you from time to time. The application of this maximum limit payment function. It allows you to conduct convenient transactions
liabilities and obligations on you are summarised below for your is confined to loss specifically related to the Account. at any merchants fitted with a Visa payWave contactless payment
particular attention. Please note that the below summarized terms 9. You shall be fully liable for all losses and damages arising out reader worldwide. Simply tap the card against the reader to settle
and conditions are for reference only, the provisions in the User of or in connection with the loss, theft, unauthorized use or transaction of HK$1,000 or below without the need of signature
Agreement shall prevail in the event of discrepancy. You should read disclosure of the Card, the devices, and/or any of the Access verification. For details, please visit www.visa.com.hk.
the full version of the User Agreement which is available at the Data if you have acted fraudulently or with gross negligence,
principal place of business of BOC Credit Card (International) Ltd. or have failed to take reasonable care, precautions and actions 2. With BOC Mastercard Credit Card contactless payment function^,
(the “Company”) in Hong Kong and on the Company’s website which under Clause 7 to prevent fraud, or if the unauthorized use of you can enjoy convenient and speedy payment service at over a
can be accessed via the following link: www.bochk.com/creditcard. the Card involves the use of your Access Data or device with million merchants around the world that accept Mastercard
your knowledge, or if you fail to report to the Company as soon contactless payment. Simply tap the card against the reader to settle
1. Immediately upon receipt of the Card, you shall sign the Card as reasonably practicable. transaction of HK$1,000 or below without the need of signature
and activate it according to our instructions. Your signature on
the Card, or the use or activation of the Card or the use of any 10. The main cardholder shall be liable to the Company for any verification. For details, please visit www.mastercard.com.hk.
of the Services shall constitute conclusive evidence of your and all transactions effected and/or liabilities incurred by the
main cardholder and additional cardholders by the use of their 3. BOC UnionPay Dual Currency Credit Card with the UnionPay
acceptance of and agreement to be bound by the User QuickPass contactless payment function provides you with hassle-free
Agreement. Cards whereas an additional cardholder shall be liable only for
the transactions effected and the liabilities incurred by such card spending worldwide where UnionPay QuickPass is accepted.
2. Use of the Card is restricted exclusively to you for bona fide additional cardholder through the use of his/her additional card. Simply tap the card against the reader to settle any transaction
purchases of goods and/or services and/or cash advances and of HK$/RMB￥1,000 or below without the need of signature
you shall not use the Card for any other purposes, in particular 11. Although an additional cardholder is liable only for the outstanding
verification. For details, please visit www.unionpayintl.com/hk.
any illegal purposes including payment for any illegal transaction. balance due from him/her to the Company, such additional
cardholder may (at his/her option) settle the outstanding balances
3. You shall not transfer the Card to any person or allow any person to due from the main cardholder and/or other additional cardholders.
use the Card or pledge the Card as security for whatever purposes. Any payment made by an additional cardholder in excess of the
4. All the details of APRs for retail spending and cash advances and outstanding balance due from him/her to the Company shall be
fees and charges are set out in the Fees Schedule referred to irrevocably deemed to be voluntary payment to settle (in whole or
in the User Agreement. The Fees Schedule is available at our in part) the outstanding balances due from the main cardholder
principal place of business in Hong Kong and on the Company’s and/or other additional cardholders.
website which can be accessed via the following link: 12. Notwithstanding anything contained in the User Agreement
www.bochk.com/creditcard or any other webpage designated regarding credit period granted to you by the Company, you shall
by the Company from time to time. repay all sums due to the Company immediately upon demand
5. You will receive a statement of account and/or e-statement on a of the Company.
monthly or other periodic basis, except where there is no new 13. You irrevocably authorise the Company to combine and set-off
transaction since the last statement. You shall promptly examine all or any of your accounts with the Company at any time and
the transactions shown on the statement and/or e-statement from time to time.
carefully and notify the Company in writing of any error or
unauthorized transactions within 60 days from the date of the 14. You irrevocably authorize and instruct the Bank with which you
statement and/or e-statement. Otherwise, we shall be entitled to may have account(s) to debit and pay to the Company the credit
treat all transactions shown on the statement and/or e-statement balance of such account(s) (whether held singly or jointly with
as correct, conclusive and binding on you and you shall be others, and whether or not such amount has matured or is due
deemed to have waived any right to raise any objection. and payable) for the satisfaction of any of your liability to the
Company without prior notice upon our request.
6. You should repay the outstanding balance as shown on the
statement and/or e-statement on time to avoid payment of 15. In respect of your liabilities for collection costs and legal
interests and finance charges. If we do not receive the minimum expenses, the Company is entitled to appoint debt collection
payment amount as specified in the relevant statement and/or agencies and/or institute legal proceedings at any time against
e-statement on or before the payment due date, an additional you to enforce repayment. You shall indemnify the Company
late charge shall be payable by you. against all costs and expenses reasonably incurred in connection
with the appointment of debt collection agencies, and against
7. You shall exercise reasonable care and precautions to keep the all legal costs and expenses reasonably incurred by the Company
Card, the device for accessing online service and the device for in enforcing repayment via legal process.
storing e-wallet Card (together, the “devices”) safe and the PIN
and any of your security details in relation to the credit card 16. We may (in our discretion) change any of the terms and conditions
services (together, the “Access Data”) secret and use the Card of the User Agreement and/or the Fees Schedule provided that
in accordance with the procedures, instructions and/or security we will, where practicable, give you not less than 60 days’ prior
guidelines from time to time issued by the Company and/or notice before any significant change of the terms and conditions
Bank of China (Hong Kong) Limited (the “Bank”) to prevent take effect. Retention or continued use of the Card after the
effective date shall constitute your acceptance of such changes.

cidcbcHKD&DC(en)202101
fraud. You shall report as soon as reasonably practicable to the
Company and the police upon the occurrence of any loss, theft, If you do not accept the proposed change, you may terminate
suspected unauthorized use or disclosure of the Card and/or the Card in accordance with the User Agreement.
Access Data or any counterfeit card. In the case of discrepancies between the English and Chinese
8. Provided that you have acted in good faith and with due care versions, the English version shall prevail unless otherwise
(including taking the precautions and actions under Clause 7 to provided in the User Agreement.
Last update: January 2021
 DATA POLICY NOTICE 6. Data relating to the data subjects are collected or received by (i) any law binding or applying to it within or outside
the Company from various sources from time to time. Such the Hong Kong Special Administrative Region existing
1. This Notice sets out the data policies of BOC Hong Kong data may include, but not limited to, data collected from data currently and in the future (e.g. the Inland Revenue
(Holdings) Limited and its subsidiaries, including Bank of China subjects in the ordinary course of the continuation of the Ordinance and its provisions including those concerning
(Hong Kong) Limited, BOC Credit Card (International) Limited, relationship between the Company and data subjects, for automatic exchange of financial account information);
BOC Group Life Assurance Company Limited, Po Sang example, when data subjects write cheques, deposit money,
(ii) any guidelines or guidance given or issued by any
Securities Limited and BOCHK Asset Management Limited effect transactions through credit cards issued or serviced by
legal, regulatory, governmental, tax, law enforcement
(each a “Company”, for as long as such Company remains a the Company or generally communicate verbally or in writing
or other authorities, or self-regulatory or industry bodies
subsidiary of BOC Hong Kong (Holdings) Limited and with the Company, and data obtained from other sources (for
or associations of financial services providers within
notwithstanding any change in the name of the Company) in example, credit reference agencies approved for participation
or outside the Hong Kong Special Administrative
respect of their respective data subjects (as hereinafter in the Multiple Credit Reference Agencies Model (hereinafter
Region existing currently and in the future (e.g.
defined). The rights and obligations of each Company under referred to as “credit reference agencies”)). Data may also be
this Notice are several and not joint. No Company shall be guidelines or guidance given or issued by the Inland
generated or combined with other information, available to the
liable for any act or omission by another Company. Revenue Department including those concerning
Company or any member of the Group.
automatic exchange of financial account information);
2. For the purposes of this Notice, the “Group” means the 7. The purposes for which the data relating to the data subjects and
Company and its holding companies, branches, subsidiaries, may be used are as follows:
representative offices and affiliates, wherever situated. Affiliates (iii) any present or future contractual or other commitment
include branches, subsidiaries, representative offices and affiliates (a) assessing the merits and suitability of the data subjects with local or foreign legal, regulatory, governmental, tax,
of the Company’s holding companies, wherever situated. as actual or potential applicants for financial, insurance, law enforcement or other authorities, or self-regulatory
credit card, securities, commodities, investment, banking or industry bodies or associations of financial services
3. The term “data subject(s)”, wherever mentioned in this Notice, and related services and products and facilities and/or
includes the following categories of individuals: providers that is assumed by or imposed on the
processing and/or approving their applications, variation, Company or any of its branches by reason of its
(a) applicants for or customers, authorized signatories, insured renewals, cancellations, reinstatements and claims; financial, commercial, business or other interests or
persons, policy holders, beneficiaries and other users of activities in or related to the jurisdiction of the relevant
(b) facilitating the daily operation of the services, credit
financial, insurance, credit card, securities, commodities,
facilities provided to and/or insurance policies issued to local or foreign legal, regulatory, governmental, tax, law
investment, banking and related services and products
the data subjects; enforcement or other authority, or self-regulatory or
and facilities and so forth provided by a Company;
(c) conducting credit checks whenever appropriate (including, industry bodies or associations;
(b) sureties, guarantors and parties providing security, guarantee
or any form of support for obligations owed to a Company; without limitation, at the time of application for credit and at (m) complying with any obligations, requirements, policies,
the time of regular or special reviews which normally will procedures, measures or arrangements for sharing data
(c) directors, shareholders, officers and managers of any take place one or more times each year) and carrying out and information within the Group and/or any other use of
corporate applicants and data subjects/users; and matching procedures (as defined in the Ordinance); data and information in accordance with any group-wide
(d) suppliers, contractors, service providers and other contractual (d) creating and maintaining the Company’s scoring models; programmes for compliance with sanctions or prevention
counterparties of the Company. or detection of money laundering, terrorist financing or
(e) providing reference;
For the avoidance of doubt, “data subjects” shall not include other unlawful activities;
any incorporated bodies. The contents of this Notice shall apply (f) assisting other credit providers in Hong Kong approved
(n) enabling an actual or proposed assignee of the Company,
to all data subjects and form part of any contracts for services for participation in the Multiple Credit Reference Agencies
or participant or sub-participant of the Company’s rights in
that the data subjects have or may enter into with the Company Model (hereinafter referred to as “credit providers”) to
respect of the data subjects to evaluate the transaction
from time to time. If there is any inconsistency or discrepancy conduct credit checks and collect debts;
intended to be the subject of the assignment, participation
between this Notice and the relevant contract, this Notice shall (g) ensuring ongoing credit worthiness of data subjects; or sub-participation;
prevail insofar as it relates to the protection of the data subjects’
personal data. Nothing in this Notice shall limit the rights of (h) researching, customer profiling and segmentation and/or (o) comparing data of data subjects or other persons for
the data subjects under the Personal Data (Privacy) designing financial, insurance, credit card, securities, credit checking, data verification or otherwise producing
Ordinance (Cap. 486, Laws of Hong Kong) (the “Ordinance”) commodities, investment, banking and related services or verifying data, whether or not for the purpose of taking
and/or other applicable laws, including the laws within or and products and facilities for data subjects’ use; adverse action against the data subjects;
outside the Hong Kong Special Administrative Region. (i) marketing services, products and other subjects (please (p) maintaining a credit history or otherwise, a record of data
4. From time to time, it is necessary for the data subjects to see further details in paragraph 12 below); subjects (whether or not there exists any relationship
supply the Company with data in connection with the opening (j) determining amounts owed to or by the data subjects; between data subjects and the Company) for present and
or continuation of accounts and the establishment or future reference; and
continuation of banking facilities or provision of financial, (k) enforcing data subjects’ obligations, including without
insurance, credit card, securities, commodities, investment, limitation the collection of amounts outstanding from data (q) purposes incidental, associated or relating to paragraph 7.
banking and related services and products and facilities. subjects and those providing security for data subjects’ 8. Data held by the Company relating to data subjects will be
obligations; kept confidential but, subject to the data subject’s separate
5. Failure to supply such data may result in the Company being
unable to open or continue accounts or establish or continue (l) complying with the obligations, requirements or consent (insofar as required by applicable laws), the
banking facilities or provide financial, insurance, credit card, arrangements for disclosing and using data that apply to Company may provide and disclose (as defined in the
securities, commodities, investment, banking and related the Company or any of its branches or that it is expected Ordinance and/or applicable laws) such data to the following
services and products and facilities. to comply according to: parties for the purposes set out in the previous paragraph:
(a) any agent, contractor or third party service provider who (vi) external service providers (including but not limited subject with credit providers, as borrower, mortgagor or
provides administrative, telecommunications, computer, to mailing houses, telecommunication companies, guarantor respectively and whether in the data subject’s sole
payment or securities clearing or other services to the telemarketing and direct sales agents, call centres, name or in joint names with others, for sharing in the
Company in connection with the operation of its business, data processing companies and information technology consumer credit databases of the credit reference agencies
wherever situated; companies) that the Company engages for the purposes by credit providers (subject to the requirements of the Code of
(b) any other person under a duty of confidentiality to the set out in paragraph (7)(i) above, wherever situated; and Practice on Consumer Credit Data approved and issued
Company including any member of the Group which has (k) any person whom the data subject holds a joint account under the Ordinance).
undertaken to keep such information confidential; with, people who can give instructions for the data subject 11. Some of the data collected by the Company may constitute
(c) the drawee bank providing a copy of a paid cheque (which or anyone who is giving (or may give) security for loans of sensitive personal data under applicable laws. In this case,
may contain information about the payee) to the drawer; the data subject. the Company will only process sensitive personal data if strict
(d) any person making payment into the data subject’s account; The Company may from time to time transfer the data relating protection measures are put in place and there is sufficient
to the data subjects to a place outside the Hong Kong Special necessity to justify the processing. Insofar as required by
(e) any person receiving payment from the data subject, the Administrative Region for the purposes set out in paragraph 7 applicable laws, such sensitive personal data will be
banker of such person and any intermediaries which may above. Insofar as required by applicable laws, the Company processed with the data subject’s separate consent.
handle or process such payment; will obtain the data subject’s separate consent in relation to 12. USE OF DATA IN DIRECT MARKETING
(f) credit reference agencies (including the operator of any such international transfers.
centralized database used by credit reference agencies), The Company intends to use the data subject’s data in direct
9. To the extent required by applicable laws, the Company will, marketing and the Company requires the data subject’s
and, in the event of default, to debt collection agencies;
prior to sharing the data subject’s personal data with third consent (which includes an indication of no objection) for that
(g) any financial institution, charge or credit card issuing parties, notify the data subject of the name and contact details of purpose. In this connection, please note that:
company, insurance company, securities and investment the recipients, the purposes and means of processing and
company with which the data subjects have or propose provision of the data subject’s personal data, and the types of (a) the name, contact details, products and services portfolio
to have dealings; and any reinsurance and claims personal data to be provided and shared, and obtain the data information, transaction pattern and behaviour, financial
investigation company, insurance industry association subject’s separate consent to the sharing of the data subject’s background and demographic data of the data subject
and federation and their members; personal data. The foregoing data recipients will use the held by the Company from time to time may be used by
personal data to the extent necessary for the specific purposes the Company in direct marketing;
(h) any person to whom the Company or any of its branches
is under an obligation or otherwise required to make set out in this Notice and store the personal data for the minimum (b) the following classes of services, products and subjects
disclosure under the requirements of any law binding on length of time required to fulfil the purposes, or insofar as may be marketed:
or applying to the Company or any of its branches, or any required by applicable laws, in accordance therewith.
(i) financial, insurance, credit card, securities, commodities,
disclosure under and for the purposes of any guidelines 10. With respect to data in connection with mortgages applied by investment, banking and related services and products
or guidance given or issued by any legal, regulatory, the data subject (if applicable, and whether as a borrower, and facilities;
governmental, tax, law enforcement or other authorities, mortgagor or guarantor and whether in the data subject’s sole
or self-regulatory or industry bodies or associations of (ii) reward, loyalty or privileges programmes and related
name or in joint names with others) on or after 1 April 2011,
financial services providers with which the Company or services and products;
the following data relating to the data subject (including any
any of its branches are expected to comply, or any updated data of any of the following data from time to time) (iii) services and products offered by the Company’s
disclosure pursuant to any contractual or other commitment may be provided by the Company, on its own behalf and/or as co-branding partners (the names of such co-branding
of the Company or any of its branches with local or foreign agent, to credit reference agencies: partners can be found in the application form(s) for
legal, regulatory, governmental, tax, law enforcement or the relevant services and products, as the case may
other authorities, or self-regulatory or industry bodies or (a) full name;
be); and
associations of financial services providers, all of which may (b) capacity in respect of each mortgage (as borrower,
be within or outside the Hong Kong Special Administrative mortgagor or guarantor, and whether in the data subject’s (iv) donations and contributions for charitable and/or
Region and may be existing currently and in the future; sole name or in joint names with others); non-profit making purposes;
(i) any actual or proposed assignee of the Company or (c) identity card number or travel document number; (c) the above services, products and subjects may be
participant or sub-participant or transferee of the Company’s provided or (in the case of donations and contributions)
(d) date of birth; solicited by the Company and/or:
rights in respect of the data subject; and
(e) correspondence address; (i) any member of the Group;
(j) (i) any member of the Group;
(f) mortgage account number in respect of each mortgage; (ii) third party financial institutions, insurers, credit card
(ii) third party financial institutions, insurers, credit card
companies, securities, commodities and investment (g) type of the facility in respect of each mortgage; companies, securities, commodities and investment
services providers; (h) mortgage account status in respect of each mortgage (e.g. services providers;
(iii) third party reward, loyalty, co-branding and privileges active, closed, write-off (other than due to a bankruptcy (iii) third party reward, loyalty, co-branding or privileges
programme providers; order), write-off due to a bankruptcy order); and programme providers;
(iv) co-branding partners of the Company and the Group (i) if any, mortgage account closed date in respect of each (iv) co-branding partners of the Company and the Group
(the names of such co-branding partners can be mortgage. (the names of such co-branding partners can be
found in the application form(s) for the relevant Credit reference agencies will use the above data supplied by found in the application form(s) for the relevant
services and products, as the case may be); the Company for the purposes of compiling a count of the services and products, as the case may be); and
(v) charitable or non-profit making organisations; and number of mortgages from time to time held by the data (v) charitable or non-profit making organisations; and
 (d) in addition to marketing the above services, products and date of settlement of amount past due, and date of final BOC Credit Card (International) Limited
subjects itself, the Company also intends to provide the settlement of amount in default lasting in excess of 60 The Data Protection Officer
data described in paragraph 12(a) above to all or any of the days (if any)); and BOC Credit Card (International) Limited
persons described in paragraph 12(c) above for use by (f) in accordance with applicable laws, 15/F, BOC Credit Card Centre
them in marketing those services, products and subjects, 68 Connaught Road West
and the Company requires the data subject’s written (i) to request the Company to delete his/her personal data; Hong Kong
consent (which includes an indication of no objection) for (ii) to object to certain uses of his/her personal data; Facsimile: (852) 2541 5415
that purpose. (iii) to request an explanation of the rules governing the
If a data subject does not wish the Company to use or provide processing of his/her personal data; BOC Group Life Assurance Company Limited
to other persons his/her data for use in direct marketing The Data Protection Officer
(iv) to ask that the Company transfer personal data that BOC Group Life Assurance Company Limited
as described above, the data subject may exercise his/her he/she has provided to the Company to a third party
opt-out right by notifying the Company. 13/F, 1111 King’s Road
of his/her choice under circumstances as provided Taikoo Shing
13. TRANSFER OF PERSONAL DATA TO DATA SUBJECT’S under applicable laws; Hong Kong
THIRD PARTY SERVICE PROVIDERS USING THE (v) to withdraw any consent for the collection, processing Facsimile: (852) 2522 1219
COMPANY’S OPEN APPLICATION PROGRAMMING or transfer of his/her personal data (the data subject
INTERFACES (“Open API”) should note that withdrawal of their consent may Po Sang Securities Limited
The Company may, in accordance with the data subject’s result in the Company being unable to open or The Data Protection Officer
instructions to the Company or third party service providers continue accounts or establish or continue banking Po Sang Securities Limited
engaged by the data subject, transfer data subject’s data to facilities or provide financial, insurance, credit card, 4/F, BOC Yuen Long Commercial Centre
third party service providers using the Company’s Open API securities, commodities, investment, banking and related 102-108 Castle Peak Road
for the purposes notified to the data subject by the Company services and products and facilities); and Yuen Long
or third party service providers and/or as consented to by the (vi) to have decisions arising from automated decision New Territories
data subject in accordance with the Ordinance. making (“ADM”) processes explained and to refuse to Hong Kong
14. Under and in accordance with the terms of the Ordinance and/or such decisions being made solely by ADM. Facsimile: (852) 2905 1909
applicable laws, and the Code of Practice on Consumer Credit 15. In the event of any default of payment relating to an account,
Data, any data subject has the right: BOCHK Asset Management Limited
unless the amount in default is fully repaid or written off (other The Data Protection Officer
(a) to check whether the Company holds data about him/her than due to a bankruptcy order) before the expiry of 60 days BOCHK Asset Management Limited
and of access to such data; from the date such default occurred, the account repayment 40/F, Bank of China Tower
(b) to require the Company to correct any data relating to data (as defined in paragraph 14(e) above) may be retained 1 Garden Road
him/her which is inaccurate; by credit reference agencies until the expiry of five years from Hong Kong
the date of final settlement of the amount in default. Facsimile: (852) 2532 8216
(c) to ascertain the Company’s policies and practices in relation
to data and to be informed of the kind of personal data 16. In the event any amount in an account is written-off due to a
held by the Company; bankruptcy order being made against the data subject, the
account repayment data (as defined in paragraph 14(e) above) 19. The Company may have obtained credit report(s) on the data
(d) to be informed on request which items of data are routinely may be retained by credit reference agencies, regardless of subject from credit reference agency(ies) in considering any
disclosed to credit reference agencies or debt collection whether the account repayment data reveal any default of application for credit. In the event that the data subject wishes
agencies, and be provided with further information to enable payment lasting in excess of 60 days, until the expiry of five to access the credit report(s), the Company will advise the
the making of access and correction requests to the relevant years from the date of final settlement of the amount in default or contact details of the relevant credit reference agency(ies).
credit reference agency(ies) or debt collection agency(ies); the expiry of five years from the date of discharge from a 20. If there is any inconsistency between the English version and
(e) in relation to any account data (including, for the bankruptcy as notified by the data subject with evidence to the the Chinese version of this Notice, the Chinese version shall
avoidance of doubt, any account repayment data) which credit reference agency(ies), whichever is earlier. prevail in relation to any matters arising in the Mainland China
has been provided by the Company to a credit reference 17. In accordance with the terms of the Ordinance and/or exclusive of the Hong Kong Special Administrative Region,

bpmHKD&DC(en)202311
agency, to instruct the Company, upon termination of the applicable laws, the Company may charge a reasonable fee and the English version shall prevail in relation to any matters
account by full repayment, to make a request to the credit for the processing of any data access request. arising in the Hong Kong Special Administrative Region and
reference agency to delete such account data from its elsewhere.
database, as long as the instruction is given within five 18. The persons to whom requests for access to data or correction
years of termination and at no time was there any default of data or for information regarding policies and practices and
of payment in relation to the account, lasting in excess of kinds of data held are to be addressed are as follows: November 2023
60 days within five years immediately before account
termination. Account repayment data include amount last Bank of China (Hong Kong) Limited
due, amount of payment made during the last reporting The Data Protection Officer
period (being a period not exceeding 31 days immediately Bank of China (Hong Kong) Limited
preceding the last contribution of account data by the Bank of China Tower
Company to the credit reference agency), remaining 1 Garden Road
available credit or outstanding balance and default data Hong Kong
(being amount past due and number of days past due, Facsimile: (852) 3717 4635
 BOC Credit Card Key Facts Statement Fees
the unpaid balance from the date of the
Effective Date : 29 October 2023
previous statement on a daily basis until Main Card Supplementary Card
Annual Fee # (per annum) (per annum)
Interest Rates and Interest Charges payment is made in full thereof and (2)
the amount of each new transaction (i.e.
Annualized Maximum 35.70%* for retail spending Annual fee
Percentage Rate when you open your account and it will be
a transaction occurring at any time after BOC Private Card HK$18,800 waived
(APR) for the last transaction as shown in the
reviewed from time to time.
Retail Spending statement, or at any time before that last Visa Infinite Card
We will not charge you interest if you pay transaction which has not been debited (Except BOC
Private Card)
Lorem ipsum

your balance in full by the due date each to the cardholder’s account and shown
month. If no payment or payment of less in the statement) from the date of that new
than the outstanding balance is made on UnionPay Diamond
transaction on a daily basis until payment
or before the due date, interest will be
Prestige Card / HK$3,800 HK$1,900
is made in full thereof (a minimum charge UnionPay Diamond
charged on a daily basis at the then of HK$5 / CNY5 (where applicable Card
prevailing interest rate (that is to say, an for HKD or CNY account respectively) is
interest-free period of 26 days from the imposed). Such charge will be recorded World Mastercard
date of the statement will not be in the next statement.
available). Interest will be charged on (1) Visa Signature Card HK$2,000 HK$1,000
the unpaid balance from the date of the
previous statement on a daily basis until Overdue APR If you have not made any payment or
payment is made in full thereof and (2) you have made a payment of less than Platinum Card^ HK$1,600 HK$800
the amount of each new transaction (i.e. the minimum payment on or before the
a transaction occurring at any time after relevant due date (“Overdue Payment”),
Late Charge will be debited to the
Titanium Card HK$550 HK$275
the last transaction as shown in the
statement, or at any time before that last account, as an example of statement
transaction which has not been debited balance HK$50,000 and Late Charge Classic Card HK$220 HK$110
to the cardholder’s account and shown HK$230, the maximum Retail Spending
in the statement) from the date of that new APR is 35.94%; the maximum Cash
Advance APR is 35.55%.
Private Label Card HK$220 HK$110
transaction on a daily basis until payment
is made in full thereof (a minimum charge
of HK$5 / CNY5 (where applicable Commercial Card
for HKD or CNY account respectively) is Interest Free Period Up to 56 days
imposed). Such charge will be recorded
Visa Infinite Card HK$3,800 N.A.

in the next statement.

Minimum Payment HK$230/CNY230 (where applicable Platinum Card HK$1,600 N.A.
for HKD or CNY account respectively) or
Annualized Maximum 35.31%* for cash advance the summation of item (i) to (iv) (whichever Gold Card HK$480 N.A.
Percentage Rate when you open your account and it will be is higher).
(APR) for reviewed from time to time. (i) total outstanding billed interest, fees Classic Card HK$220 N.A.
Cash Advance
We will not charge you interest if you pay and charges (including annual fee that
your balance in full by the due date each may be charged); (ii) any overdue
month. If no payment or payment of less minimum payment amount from previous
than the outstanding balance is made on monthly statement (where applicable);
or before the due date, interest will be (iii) total of over-limit amount (where
charged on a daily basis at the then applicable) (excluding items (i) and (ii)
prevailing interest rate (that is to say, an above); and (iv) 1% of the remaining
interest-free period of 26 days from the principal balance (excluding items from
date of the statement will not be (i) to (iii) above).
available). Interest will be charged on (1)
 Illustrative Example:
Cash Advance Hong Kong Dollar Credit Card Late Charge # 5% of the minimum payment amount
Handling Fee # Hong Kong: (subject to a minimum of HK$230 / Assumptions -

• 4% plus HK$20 (HK$25 CNY230 or equivalent to the • Outstanding Balance = $20,000

• Interest Rate = 32% p.a.
through PLUS / CIRRUS ATM) per minimum payment amount of your last
• No new transaction
transaction statement, whichever is lower; and a
• No annual fee, fees and/or charges other than interest charges
Outside Hong Kong: maximum of HK$280 / CNY280) • The repayments are made on the last day of each month
• 4% plus HK$20 (HK$25 (where applicable for HKD or CNY
through PLUS / CIRRUS ATM) per account respectively) Estimated time required
Monthly repayment Total repayment
transaction to pay off the balance
amount amount
and interest generated
Overlimit
UnionPay Dual Currency Credit Card
Handling Fee #
HK$180 per statement cycle Only the minimum
14 Years HK$63,074
HKD Account: payment*
• 4% plus HK$20 per transaction Returned Cheque & HK$100 / CNY100 per Fixed payment HK$31,359
3 Years
CNY Account: Rejected Autopay transaction (where applicable for HKD amount HK$871 (Saving HK$31,715)
• 4% plus CNY20 per transaction Charge # or CNY account respectively)
* The minimum payment of the account mentioned above is the
made in Hong Kong sum total of all fees and charges, interest and 1% of the
• 4% plus CNY25 per transaction Please visit the website of BOC Credit Card (International) Limited remaining statement balance or HK$230 (whichever is higher).

PROMO-202310-001
made in the mainland at www.bochk.com/creditcard for full version of relevant Credit
Card Fees Schedule and User Circular. Please note that the calculation of above reminder is for reference
Remark: only. To calculate the above information applicable to your specific
Subject to a minimum of HK$100 / Remarks:
case, please use our “Credit Card Repayment Calculator”
CNY100 (where applicable for HKD accessible from our website www.bochk.com/creditcard.
or CNY account respectively) * 1. The Annualized Percentage Rate (APR) is computed in
accordance with the guidelines laid down in The Hong Kong
Association of Banks. An APR is a reference rate which
Fees relating to 1.95% of every transaction effected in a includes the basic interest rate and other fees and charges
Foreign Currency currency other than Hong Kong Dollars of a product expressed as an annualized rate.
Transactions #
(Applicable to
Fee relating to Settling Foreign Currency ^ 2. Annual fee of BOC HKUST Platinum Card is HK$600
Hong Kong Dollar
Transaction in Hong Kong Dollars for main card and HK$300 for supplementary card.
Credit Card only) You may sometimes be offered the option 3. BOC Credit Card (International) Limited reserves the right to
to settle foreign currency transactions in vary the fees and charges from time to time by notice to
Hong Kong dollars at the point of sale customers. The fees and charges for other card products
overseas. Such option is a direct and/or services may be separately published.
arrangement offered by the overseas
merchants and not the card issuer. In 4. The Chinese version of this notice shall prevail whenever
such cases, you are reminded to ask the there is any discrepancy between the English and the
merchants for the foreign currency Chinese versions.
exchange rates and the percentage of 5. Virtual Card can enjoy annual fee waiver.
handling fees to be applied before the
#
transactions are entered into since settling 6. Not applicable to BOC i-card Dual Currency Diamond Card.
foreign currency transactions in Hong Kong
dollars may involve a cost higher than the
foreign currency transaction handling fee.
For transactions settled in Hong Kong
dollars and made outside Hong Kong via
Mastercard / VISA Credit Card, we will
charge a markup of 0.95% / 0.8%
respectively; while for such transactions
via UnionPay Dual Currency Credit Card,
we will not charge any further markup.