Multi-currency Welcomed worldwide
Visa+UnionPay The best credit card mix for international travel
Foreign Transaction Fee waived on non-MOP currencies payments made around the world

UnionPay MyWay Card (Deadline of Issuance: 2022.04.22)

Visa MyWay Card

BOC Multi-currency MyWay Credit Card services are provided by Bank of China (Macau) Limited. In the technological era, making payments with a credit card has been one of the most popular payment methods which provide the flexibility to suit your financing needs, in addition to earning gift points and enjoying various merchant offers. Catering for your special needs, we have designed the new multi-currency UnionPay MyWay and Visa MyWay Card. To enhance card safety, card information of these cards are stored and encrypted using the chip which cannot easily be imitated or stolen. The colorful card face of MyWay Card represents style and energy of this new generation. This new card series is available for all interested customers, especially the younger generation, may apply. Come join us to experience all the new functions and special features of the BOC Multi-currency UnionPay and Visa Credit Card and live the most splendid lifestyle!

Features

1. Privileges and Cost savings features

0% Foreign Transaction Fee and Instant Waived. We have waived the Foreign Transaction Fee charged on payments made in non-MOP currency around the world with BOC Multi-currency Visa Credit Card. Travel and shop hassle free from now on! For enquiry, please refer to the BOC Bank Card Fee Schedule.

Free travel insurance while travelling abroad. 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.

Credit card points earned will be automatically converted to Cash Rebate. 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. For enquiry, please refer to the BOC Multi-currency Credit Card User Guide.

The annual fee will be waived once 6 retail payment requirement has been met. Simply make 6 retail transactions payments with 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!

All retail transactions in your credit card statement can be repaid by monthly interest-free installments. Only a handling fee will apply. You can apply via BOC Macau APP, 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

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.

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!

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.

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.

One-time password to increase security. For added safety, whenever you make an online purchase at 3DS enabled website, you will receive a one-time security code which expires in a specified time through your mobile phone to authenticate the transaction.

3. Living in the electronic era

Save papers and be environmental friendly. Select e-statement to view your monthly statements for the last 12 months online anytime via BOC Macau APP, BOCNET(Personal). You can also download e-statement via BOC Macau APP or BOCNET (Personal).

Set your own auto-pay instruction online, an easy and better way! Set up your standing instruction online anytime via BOC Macau APP, BOCNET(Personal) for the automatic repayment, either in full or minimum, of your credit card balances monthly.

Various repayment channels for your convenience. There are various repayment channels available for you to repay your monthly balances, including BOC Macau APP, BOCNET, Cash Withdrawal and Deposit Machine("CWD"), BOC Service Hotline 888 95566, Autopay Service, by Cheque and at the counter.

4. Heartfelt Services

24-hour BOC Service Hotline. BOC Macau APP, BOCNET, Cash Withdrawal and Deposit Machine("CWD"), BOC Service Hotline 888 95566, Autopay Service will be available for account enquires, increase/decrease of credit limit, application of services and lost card reporting, etc.

Priority Pass for Airport VIP Lounges. If you choose to apply for a Priority Pass for access to over 700 airport VIP lounges located at over 400 cities across 120 countries.

Remarks: Please visit www.prioritypass.com website, or download Smartphone Apps 'Priority Pass' to find locations of airport lounges and get the latest details about the airport lounges of Priority Pass.

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. Visa cards are widely accepted by merchants displaying the VISA logo around the world.

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

UnionPay QuickPass.

Contactless payments are accepted by merchants displaying the UnionPay QuickPass 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.).Visa payWave. Visa payWave contactless payments are accepted by merchants displaying the Visa payWave logo around the world. Cardholder will authorize the payment following instructions of the merchants.

Application requirements

1. Eligible customers

BOC Multi-currency UnionPay or Visa MyWay Card is open for all customers of the Bank, who are Macau Resident, aged 18 or above with annual salary of over MOP48,000 to apply.

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 our sub-branches.

4. Friendly Reminder

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

Application forms and documents submitted will not be returned.