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									BOC Singapore Airlines Visa Platinum Card                                                                                      Perpetual
                                                                                                                                                                                                                            Personal Data
                                                                                                                            Annual Fee Waiver
Application Form                                                                                                                                                 Name in English
   Signature of Main Card applicant                                                                        Date                                                  Chinese Name                                                Fomerly Used Name/
   (Please do not alter)                                                                                                                                                                                                     Other Name (if applicable)
                                                                                                                                                                                                                             (Please provide proof(s))

                                                                                                                                                                 Nationality                                                 ID Card No. (Please attach copy)
Please submit the completed application form with the supporting documents to BOC Credit Card(Int'l)Ltd.,
3/F, Bank of China Centre, Olympian City, 11 Hoi Fai Road, West Kowloon.                                                                                         Marital Status              Single 1          Married 2            Divorced 3                             Age
Referral Branch / Dept. No.:
Staff No.:                                                                                                                                                       Date of Birth                         DD/                       MM/                       YY              Sex          M           F

SC=196 RoadShow SC:                                                                                                                                              HK Residential Address (P.O. Box is not acceptable)
CIN record checked:                   No SP /          Yes with SP, please specify:                                                                              Room/Flat                                          Floor                                              Block

Please complete in BLOCK Letters and put a "✔" in the appropriate box.
BOC Credit Card (International) Ltd. ("the Company") will on the basis of your supporting documents make the final decision either to decline
or approve your application and decide on the card type offered, including credit limit, without notice. A full time student applicant should                    Name of Building/Estate
complete a "BOC Credit Card Student Application Form" (this application form is not applicable for full time students).


                                                                                                                                                                 No. & Name of Street
                                                Type of Credit Card Applied
                PM0900
                                                                                                                                                                 District
                                            BOC Singapore Airlines                                     Annual Income Required                                                                                                                                            HK 1         KLN 2        NT 3
                                            Visa Platinum Card (501)                                   HK$150,000                                                  My permanent address is different from the above (please provide English permanent address proof)

                                                                                                                                                                 Years of Residence                  Year          Month                Hong Kong Residential Tel. No.

                                       Welcome Gift (For Main Card Applicants Only)
                                                                                                                                                                 Mobile Phone/Pager No.




                                     7000
                        Up to                                                                                                                                    E-mail Address
                                                                              Miles
                                                                                                                                                                 Non-KrisFlyer member must provide email address for enrollment of KrisFlyer membership.

                   Including:                                                                                                                                    Accommodation
                                                                                                                                                                    Private Property (Mortgaged) 2       Rented 6
                      Inaugural Welcome Offer - 5,000 KrisFlyer miles*                                                                                              Home Ownership Scheme Housing (Mortgaged) 3
                                                                                                                                                                 Monthly Installment / Rental:                         Singly /          Jointly          HKD
                                                                    and
                                                                                                                                                                     Self-owned (Not Mortgaged) 1                                     Public Housing/Tenants Purchase Scheme 5
                      Spending Welcome Offer - 2,000 KrisFlyer miles**                                                                                               Relatives 4                                                      Quarters/Others 7

                                                                              Please refer to the Terms and Conditions of Welcome Offer.                         Education
                                                                                                                                                                   University or above 01                                   Post Secondary 02                                  Secondary 03
   Notices :                                                                                                                                                       Primary 04                                               Others 05
   * Card applicant is required to make initial transaction for retail purchase,
     cash advance, “Cash Before Card Service”, autopay, posted amount of
     merchant installment program and Octopus Automatic Add Value                                                                                                                                                         Job Information
     Service (excluding annual fee, cash advance handling fee as well as
     balance transfer and “Cash Installment Plan”) in excess of HK$10 in the                                                                                        Employed by (non-contract)                 Self-Employed                Contract (Date of Termination of contract                              )
     first two months of card issuance to qualify for the Inaugural Welcome                                                                                         Housewife                                  Retired
     Offer for 5,000 KrisFlyer miles. Online Bill Payment to the Inland Revenue
                                                                                                                                                                 Employer/Company Name in English
     Department or a merchant in the category of a “Banking or Credit Card
     Service”, “Securities Broker” or “Credit Services” is also not applicable.
   **Card applicant is required to accumulate retail spending / cash advance /                                                                                   Employer/Company Name in Chinese
     Cash Before Card / posted amount of merchant installment program of
     up to HK$2,000 or more in the first two months of card issuance in order                                                                                    Employer/Company Address in English
     to be eligible for the Spending Welcome Offer for 2,000 KrisFlyer miles                                                                                     Room/Flat                       Floor                                                                 Block
     (online Bill Payment, Octopus Automatic Add Value Service, and such
     other transaction types as may be designated by the Company from                                                                                            Name of Building
     time to time are all excluded).
                                                                                                                                                                 No. & Name of Street                                                                     District
                                                        KrisFlyer Membership
   Are you an existing KrisFlyer member?                                                                                                                                                                                                                                       HK 1     KLN 2           NT 3
       Yes. My KrisFlyer Membership Number* is :
                                                                                                                                                                 Company Tel. No.                                    Ext.                                                       Monthly Salary (HKD)
         No.      Please enroll to the KrisFlyer Program for me upon card approval
   * Main cardholder must register with a valid KrisFlyer Membership Number under his/ her personal name. KrisFlyer Miles earned via the BOC Singapore
     Airlines Visa Platinum Card will be posted to the registered personal KrisFlyer Membership Account.                                                         Business Nature                                     Position                                                   Years of Service
   If this box has been left blank and without a KrisFlyer membership number, BOC Credit Card (International) Ltd. will proceed to enroll the applicant to the
   KrisFlyer Program as a new member.                                                                                                                                                                                                                                                           Y              M
                                                   Other Instructions                                                                                                          Your Signature                                                                     Notice
Please send statement to :                          Residential Address                                   Company Address
ATM Screen Language :                               Chinese 1                                             English 2                               I/We declare that the above information is true and complete and              1. Main Card applicant must be aged 18 years old or above. Additional
The address selected above will be used as your correspondence address in the event your application is approved.                                 hereby authorize BOC Credit Card (International) Ltd ("the Company")             card applicant must be aged 16 years old or above.
Card Collection: BOC Singapore Airlines Visa Platinum Card collection letters will be sent to you separately.
Please select collection location as follows: If applicant is existing BOC Credit Card cardholder; your new credit card will be mailed
                                                                                                                                                  to contact my/our employers, financial and credit institutions or any         2. Annual Income of BOC Singapore Airlines Visa Platinum Card is
to your corresponding address which has registered in your BOC Credit Card account accordingly.                                                   other credit or information source for the verification thereof and for the      HK$150,000.
    Bank of China (Hong Kong)                                                                                                                     collection of such information as required for the processing and
                                                                                                                                                  evaluation of this application and, if my/our application is approved, for    3. Annual fee of BOC Singapore Airlines Visa Platinum Card is HK$800
                                                                                                                                                  the operation of my/our account(s). I/We further authorize the                   for Main Card and HK$600 for each Additional Card.
                                                                                                                                                  Company to disclose any information regarding me/us and/or this               4. Documents submitted (including this application form) will not be
                                                                                                                                                  application and/or my/our account(s) with the Company confidentially             returned.
                                                                                                                                                  to (i) the Company's employees, agents and contractors for the                5. Should the applicant be a current BOC Main Card cardholder, his/her
                                                                                                                                                  purpose of processing and verifying this application; (ii) third parties         credit history and existing credit limit will be taken into consideration
                                                                                                                                                  employed by the Company to provide services in connection with the               in the final approval and credit judgment. The credit limit should be
                                                                                                                                                  operation of customer accounts (including credit check and debt                  shared among all HKD credit cards and BOC CUP Dual Currency
                                                                                                                                                  collection service) and marketing of account services; (iii) Bank of             Credit Card.
                                                                                                                                                  China (Hong Kong) Limited and its subsidiaries; and (iv) any third party
                                                                                                                                                  whose name or logo appears on the Card.                                       6. BOC Credit Card (International) Ltd. (The company) will make the
                                                                                                                                                                                                                                   final decision on either to decline or approve your application, credit
  Nanyang Commercial Bank        Chiyu Bank                                                                                                       I/We agree and understand that the data held by the Company relating             limit and related interest rate. Singapore Airlines Limited will not
________________________________________________________________Branch                                                                            to me/us may be transferred to other places (including places outside            participate in the approval process.
If you wish to have ATM facilities, please apply upon card collection at designated branch.                                                       Hong Kong) at any time and from time to time where the Company
                                                                                                                                                  deems necessary.                                                              7. The company reserves the right to adjust the interest rate at any
                                                                                                  Perpetual Annual Fee Waiver                                                                                                      time.
                   Additional Card Applicant                                                     & HK$100 Free Spending Credit
When applying for more than 1 Additional Card, please make copy of this form.                                                                     I/We hereby solemnly and sincerely declare that (i) I/We have not held
Each one must be signed by the Main Card applicant and returned altogether.                    for each Additional Card Applicant                 any credit card that was cancelled by the issuer due to my/our default        8. Please return the original copy of this application form together with
                                                                                                   (need to fulfill spending requirement)                                                                                          the required supporting document by mail or pass to any Bank of
 An Additional Card applicant must be 16 years old or above                                                                                       in payment; (ii) I/We do not have any overdue payment exceeding 30
 and shall not be a student. The Additional Card card type applied for must be the same as the Main Card.
                                                                                                                                                  days in respect of any of my/our indebtedness (including without                 China (Hong Kong) branches.
Chinese Name                                                    Name in English                                                                   limitation credit card, mortgage, personal Loan and other financial
                                                                                                                                                  arrangement); (iii) I/We have never been adjudged bankrupt, or made            To avoid processing delay of your application, please enclose copy
ID Card No. (Please attach copy)                   Nationality                      Formerly Used Name/
                                                                                    Other Name (if applicable)                                    the subject of any bankruptcy or similar proceedings, or of any                of the following documents:
                                                                                    (Please provide proof(s))
                                                                                                                                                  receiving or similar order, in Hong Kong or elsewhere; and (iv) I/We
Company Name(Please fill in if applicable)
                                                                                                                                                  have carefully and conscientiously considered the status of my/our                 Hong Kong Identity Card of Main and Additional Card (if applicable)
                                                                                                                                                  assets and liabilities. I/We have no intention to petition for my/our own          applicant (s) (in A4 size, with enlarged image & in light colour). If
Contact/Company Tel. No.                                        Relationship with the Applicant                                                   bankruptcy or for any similar order, or propose to enter into with my/our          you are not a Hong Kong Permanent Identity Card cardholder,
                                                                                                                                                  creditors any individual voluntary arrangement or similar arrangement,             please provide passport copy,
  If Additional Cards residential address is different from the Main Card, please provide Additional Card applicant's English residential proof   in Hong Kong or elsewhere, nor do I/we see any reason why I/We                     Current 3-month English residential address proof, e.g. electricity
  If permanent address is different from the current residential address, please provide additional English permanent address proof
                                                                                                                                                  should do so.                                                                      bill, rates demand note, bank statement (if permanent address is
Additional Card Monthly Credit Limit
   Out of my personal card "credit limit" as approved by the Company for my main card*, I wish to allocate HKD_______________ ,                   I/We have carefully read and fully understand the "Important Terms and             different from the current residential address, please provide
   subject to absolute discretion of the Company, as an upper credit limit for the aggregate amount of retail and cash advance
                                                                                                                                                  Conditions of BOC Credit Card", the attached Data Policy Notice (or                additional English permanent address proof),
   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            such other document(s) issued under whatever name from time to time                If Additional Card residential address is different from the Main
   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                    by BOC Credit Card (International) Limited and certain of its related              Card, please provide Additional Card applicant's English residential
   applicant, the lower limit will apply.                                                                                                         entities relating to their general policies on use, disclosure and transfer        address proof (if permanent address is different from the current
   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
                                                                                                                                                  of personal data (as the same may be amended from time to time), the               residential address, please provide additional English permanent
   (including the Main Cardholder and Additional Cardholder, if applicable) shall strictly observe the monthly credit limit pre-set for           terms and conditions relating to Monthly Credit Limit for Additional Card          address proof),
   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             and agree to be bound by them (if applicable).                                     Bank statement/passbook showing your name, account number
   of such breach. 2.The monthly credit limit will be reset on the first day of each statement period.
                                                                                                                                                                                                                                     and the latest 2 months' salary or the latest month salary proof or
                                                                                                                                                                                                                                     the latest Tax Demand Note,
                                     Relationship With The Company
                                                                                                                                                                                                                                     Latest 2 months’ bank deposit documents and other asset proof
Is the main card applicant and/or the additional card applicant a relatives of any of the director/CEO/credit officer
of the BOC Credit Card (International) Ltd ("the Company") or any of its subsidiaries or of
                                                                                                                                                                                                                                     for non-working applicant,
the Bank of China (HK) Ltd or any of its subsidiaries and/or holding companies?                                                                                                                                                      Business Registration Certificate and the latest tax return for sole
    Yes (Please state his/her details below)                                                                                                                                                                                         proprietor or a partner in a business.
    Name of Director/Employee                                                                 Relationship                                                                                                                       Additional document(s) may be required for approval of the
    Company Name                                                                                                                                                                                                                 application.
       BOC Credit Card (International) Ltd/any of its                              Bank of China (HK) Ltd/any of its
       subsidiaries and/or holding companies                                       subsidiaries and/or holding companies
    Department                                                               Position
    No I hereby certify that I am not a relative of any of the director/employee of Bank of China (HK)
       Ltd. I undertake to advise Bank of China (HK) Ltd without delay if and when I become a relative
       of any director/employee of Bank of China (HK) Ltd after submission of this signed application
       form.
                                                                   Terms & Conditions Of Welcome Offer                          is fulfilled. The status of the credit card account and the
                                                                                                                                registered KrisFlyer membership account must be normal
                                                     1. The promotion period runs from now until 30 June 2011.                  and valid. The credit card account must be in good credit
                                                        Only applicants whose BOC Singapore Airlines Visa                       condition. Usage of KrisFlyer miles is subject to the terms
                                                        Platinum Card application is approved within the promotion              and conditions of the KrisFlyer programme. For details,
                                                        period will be eligible for the welcome offer.                          please visit www.krisflyer.com.
                                                     2. A successful BOC Singapore Airlines Visa Platinum Card            8.    If the relevant transaction for fulfilling the spending
                                                        applicant is required to make initial transaction for retail            requirement has been cancelled for whatever reason, the
                                                        purchase, cash advance, “Cash Before Card Service”,                     Company reserves the right to debit the cardholder account
                                                        autopay, posted amount of merchant installment program                  without prior notice with the cost of the welcome offer plus a
                                                        and Octopus Automatic Add Value Service (excluding annual               handling fee of maximum HK$300. The cost of the Inaugural
                                                        fee, cash advance handling fee as well as balance transfer              Welcome Offer for 5,000 KrisFlyer miles is HK$400 and the
                                                        and “Cash Installment Plan”) in excess of HK$10 in the first            Spending Welcome Offer for 2,000 KrisFlyer miles is
                                                        two months of card issuance to qualify for the Inaugural                HK$160.
                                                        Welcome Offer for 5,000 KrisFlyer miles. Online Bill Payment      9.    If a new cardholder cancels the main credit card account
                                                        to the Inland Revenue Department or a merchant in the                   within 12 months after card issuance, the Company will debit
                                                        category of a “Banking or Credit Card Service”, “Securities             the card account with an administration fee equivalent to the
                                                        Broker” or “Credit Services” is not applicable. The Inaugural           annual fee of the relevant credit card without prior notice.
                                                        Welcome Gift is applicable only to first-time applicants of the   10.   Should two or more BOC credit cards and / or BOC CUP
                                                        BOC Singapore Airlines Visa Platinum Card.                              Dual Currency credit cards be approved and issued to the
                                                     3. Successful BOC Singapore Airlines Visa Platinum Card                    same cardholder within the promotion period, the cardholder
As a welcome offer, you will enjoy perpetual            applicant is also required to accumulate retail spending /              will be entitled to one set of gift only and the gift will be that
annual fee waiver with successful application for       cash advance / Cash Before Card / posted amount of                      for the highest tier of credit card approved and issued (the
                                                        merchant installment program ("Spending") of up to                      credit card tier in descending order is Platinum Card,
the BOC Singapore Airlines Visa Platinum Card.          HK$2,000 or more in the first two months of card issuance in            Titanium Card, Gold Card and Classic Card). If the credit
You will also receive an activation bonus of up to      order to be eligible for the Spending Welcome Offer for 2,000           cards are not applied for at the same time, the gift for the
                                                        KrisFlyer miles (online Bill Payment, Octopus Automatic Add             credit card first approved will be offered.
7,000 KrisFlyer miles as a welcome gift.                Value Service, and such other transaction types as may be         11.   The Company accepts no liability for the quality of or any
                                                        designated by the Company from time to time are all                     other matters relating to the welcome offers. The vendors are
                                                        excluded).                                                              solely responsible for all the obligations and liabilities relating
                                                     4. Each main card applicant successfully applies for an                    to the welcome offers.
  Perpetual Annual Fee Waiver                           additional card within the promotion period, and each
                                                        additional card applicant who has accumulated spending of
                                                                                                                          12.   The Company reserves the right to change, suspend or
                                                                                                                                terminate the welcome offers or amend their terms and
                                                        up to HK$2,000 within the first two months of card issuance,            conditions at its sole discretion without prior notice.
                                                        can enjoy "HK$100 spending credit" (online Bill Payment,
                                                        Octopus Automatic Add Value Service, and such other               13.   All matters and disputes are subject to the final decision of
                                                        transaction types as may be designated by the Company                   the Company.
               Plus                                     from time to time are all excluded). Maximum 9 additional
                                                        cards can be applied for by each main card applicant. (Each
                                                        card applicant can enjoy maximum HK$900 spending credit).
                                                     5. Applicants who are existing main cardholders of BOC Credit
                                                        Card or BOC CUP Dual Currency Credit Card (Additional
                                                        Card, Business Card, Corporate Card, Purchasing Card,
 Up to
         7000
                                                        Intown Virtual Card, Great Wall International Card, US Dollar
                                                        Card, Credit Card issued in Macau SAR, Private Label Card
                               Miles                    and BOC Express Cash Card are all excluded), or who have
                                                        cancelled any of the above named card or were once the
                                                        holders of the above named cards on or after 1 July 2010 will
                                                        not be eligible for the Spending Welcome Offer for the main
                                                        cardholder upon approval of application.
                                                     6. If the additional card applicant is currently holding a BOC
                                                        Credit Card / BOC CUP Dual Currency Credit Card (either in
                                                        the capacity as a main or additional cardholder), or has
                                                        heretofore cancelled any such card or once held any such
                                                        card on or after 1 July 2010, the main cardholder will not be
                                                        eligible for the additional card welcome offer upon approval
                                                        of the additional card application.
                                                     7. The KrisFlyer miles for Inaugural Welcome Offer will be
                                                        posted to registered KrisFlyer membership account directly
                                                        by Singapore Airlines within 2 months upon fulfillment of
                                                        spending requirement. The KrisFlyer miles for Spending
                                                        Welcome Offer will be posted to the registered KrisFlyer
                                                        membership account within 3 months after spending requirement
                                                                                          Automatic Enrollment to KrisFlyer Program                                                   Cash Before Card Service /
                                                                                                                                                                                      Balance Transfer Service
                                                                                        Non-KrisFlyer members who successfully apply for the BOC
                                                                                        Singapore Airlines Visa Platinum Card will be automatically
                                                                                                                                                                                    Use “Cash Before Card Service” to turn your available credit limit
                                                                                        enrolled to the KrisFlyer programme.
                                                                                                                                                                                    into cash for direct funds disbursement to your designated personal
                                                                                                                                                                                    bank account. Through “Balance Transfer Service”, you may
                            Platinum Card
BOC Singapore Airlines Visa Platin                                                                                                                                                  transfer your outstanding balance from other credit card accounts
                                                                                                                                                                                    to your BOC Credit Card and get a preferential interest rate. You
                                                                                          Earn Double Miles on singaporeair.com.hk
Combining the heritage of two of the world’s most                                                                                                                                   can also enjoy the following benefits for the above services :

respected service brands, the BOC Singapore Airlines                                    To help you take off even sooner, we are giving you double                                     Enjoy a low interest rate for the first 6 months from card issuance
Visa Platinum Card lets cardholders earn KrisFlyer                                      Gift Points ** on the amount of spending made on your
                                                                                                                                                                                       For every HK$1,000, interest charged per month is just HK$8.2
                                                                                        B O C Singapore Airlines Visa Platinum Card online at
miles directly for all purchases charged to the card.                                                                                                                                  Enjoy up to 56-day interest-free period
                                                                                        www.singaporeair.com.hk.
                                                                                        ** The additional Gift Points earned will be posted in the next credit card monthly            No interest penalty for early re-payment
                                                                                           statement and will be automatically converted to KrisFlyer miles. Please refer to the
                                                                                           Terms and Conditions for BOC Singapore Airlines Visa Platinum Card Mileage
                                                                                           Program for details.
  Spend with Your Card and                                                                                                                                                            Interest-free Installment Privileges
  Earn KrisFlyer Miles*
                                                                                           Pre-set Credit Limit Service for                                                         Enjoy up to 24-month interest-free installment privileges for retail
Cardholder can earn one Gift Point for every HK$1 spent on retail                          Additional Card                                                                          purchases at designated merchants.
purchase, cash advance, “Cash Before Card Service”, autopay,
posted amount of Installment Program and Octopus Automatic                              Pre-set credit limit service is available for the main cardholder
Add Value Service. Accumulated Gift Points will be shown on                             to assign a personalized limit for each additional card. The
your credit card statement and will be automatically converted                          main cardholder may apply for a maximum of 9 additional
to KrisFlyer miles at a rate of 10 Gift Points = 1 KrisFlyer mile.                      cards. If the main cardholder applies for the additional card
The KrisFlyer miles will be posted to the registered KrisFlyer                          together with the main card, each additional card can enjoy
membership account of the cardholder within 2 weeks of                                  “HK$100 Free Spending Credit”^ as welcome gift (Therefore,
receiving the credit card statement. Your KrisFlyer miles can                           maximum of HK$900 Free Spending Credit can be awarded).
then be redeemed for flights on Singapore Airlines, SilkAir and
                                                                                        ^ Spending requirements apply.
other airline partners and for upgrades on Singapore Airlines
and SilkAir.

* Please refer to the Terms and Conditions for BOC Singapore Airlines Visa Platinum
  Card Mileage Program.




For details, please refer to the Terms and Conditions of each individual offer.
Interest rates of HKD Credit Card for retail spending and cash advance are 28% p.a. (APR is 29.97%) and 28% p.a. (APR is 31.66%) respectively. If a cardholder
has not made any payment or has made payment less than the Minimum Payment on or before the Payment Due Date on two or more occasions in 6 consecutive                             24-hour Promotion Hotline : (852) 2108 3288
monthly statements, the Company will charge Overdue Interest Rate at an additional rate of 4% over the basic interest rate applicable to the outstanding balance
in the cardholder’s credit card account from the day following the 7th Statement Date, and the interest will be reflected on the 8th statement onwards. All preferential           BOC Credit Card Website : www.boci.com.hk
interest rates applicable to the cardholder’s credit card account will be suspended until such time as the Overdue Interest Rate ceases to apply.
Please refer to BOC Credit Card (International) Limited Card User Circular for Terms & Conditions.
                Terms and Conditions for                            10. Fraud or abuse in relation to the accumulation, the pooling or
 BOC Singapore Airlines Visa Platinum Card Mileage Program              the redemption of Gift Point rewards program may result in
                                                                        the forfeiture of accumulated Gift Points as well as the
1. Upon application for BOC Singapore Airlines Visa Platinum            cancellation of the BOC-SIA Card account.
   Card (“BOC-SIA Card’), holder of BOC-SIA Card (the               11. If the registered KrisFlyer membership account becomes
   “Cardholder”) who is an existing Singapore Airlines (“SIA”)          invalid and unable to process any redemption of KrisFlyer
   KrisFlyer member must provide valid individual KrisFlyer             miles due to whatever reason, the Cardholder will be
   membership number under his/her name.                                required to submit a fresh and valid KrisFlyer membership
2. If the Cardholder is not a KrisFlyer member or has not               number for resumption of the redemption process. BOC
   provided a valid KrisFlyer membership number upon                    Credit Card (International) Ltd (the “Company”) accepts no
   application for BOC-SIA Card, he/she will be automatically           liability for any delay in the course of redemption and any
   enrolled as a KrisFlyer member upon card approval. Each              such other matters given rise by an invalid KrisFlyer
   Cardholder will be individually notified by post of his/her          membership account.
   KrisFlyer membership number.                                     12. For issues relating to redemption of KrisFlyer miles by Gift
3. Cardholder can earn one Rewards Gift Point (“Gift Point”) for        Points, please call BOC 24-hour Platinum Card Customer
   every HK$1 spent on retail purchase, cash advance, “Cash             Services Hotline (852) 2581 5188 or access website:
   Before Card Service”, autopay, posted amount of installment          www.boci.com.hk.
   program and Octopus Automatic Add Value Service                  13. The KrisFlyer miles program is managed and serviced by
   (excluding annual fee, cash advance handling fee as well as          SIA. The use of KrisFlyer membership and KrisFlyer miles
   balance transfer and ‘Cash Installment Plan’). The Gift Point        are subject to the terms and conditions of the KrisFlyer
   offer is applicable to online bill payments effected by              program. For details, please visit www.krisflyer.com. The
   BOC-SIA Card but excludes payments to the Inland                     Company assumes no responsibility for issues relating to the
   Revenue Department or a merchant in the category of a                KrisFlyer program.
   “Banking or Credit Card Services”, “Securities Broker” or
   “Credit Services”. Gift Points earned by the additional          14. SIA may change its program terms and conditions including
   cardholder will be combined with the main card account for           regulations, policies, benefit conditions of participating or
   redemption of KrisFlyer Miles. However, a main card account          mileage levels, in whole or in part at any time with or without
   holder of a BOC-SIA Card cannot combine the Gift Points              notice even though changes may affect the value of the
   earned by other BOC main credit card account(s) of the               mileage already accumulated.
   same cardholder.                                                 15. All queries or disputes regarding the eligibility for joining this
4. Cardholder can earn double Gift Point for any transaction            program, Gift Points or redemption of KrisFlyer miles under
   made with a BOC-SIA Card at www.singaporeair.com.hk.                 this program will be decided by the Company at its sole
   The additional Gift Points will be posted to the monthly             discretion.
   statement of the following month and will be automatically       16. The Company reserves the right to change the redemption
   redeemed for KrisFlyer miles together with other Gift Points.        rate for KrisFlyer miles, amend / update the terms and
5. Gift Point earned via a BOC-SIA Card will be automatically           conditions herein and terminate this program at any time
   redeemed for KrisFlyer miles on a monthly basis at                   without notice and liability.
   statement date. Redeemed KrisFlyer miles together with           17. In case of any discrepancies between the Chinese and the
   KrisFlyer miles earned in BOC-SIA Card promotion program             English versions of these terms and conditions, the Chinese
   will be posted to registered KrisFlyer individual membership         version shall prevail.
   account of the Cardholder on a monthly basis. It is not
   applicable to company, association and organization member
   account.
6. Every 10 Gift Points can redeem 1 KrisFlyer mile (i.e. 10 Gift
   Points = 1 KrisFlyer mile) and the balance of Gift Points
   fewer than 10 will be forfeited. Redeemed KrisFlyer miles
   will be shown on the credit card statement and also posted to
   the valid registered KrisFlyer membership account of the
   respective cardholder within 2 weeks.
7. Gift Points earned via a BOC-SIA Card cannot be used for
   redemption or purchase of any other gift items, cash coupons
   and miles of any other frequent flyer program.
8. If a cardholder breaches any provision of the Card User
   Agreement, cancels the card or defaults in card payment,
   redemption of KrisFlyer miles will be forthwith suspended
   and the Gift Points awarded may be cancelled.
9. Gift Points of a cancelled card account will be void and
   cleared from the account automatically and will not be
   available for KrisFlyer miles redemption or any other
   redemption / purchase.
     Important Terms And Conditions Of BOC Credit Card                      of the balance of your account in such order as we may in              effected and/or liabilities incurred by the additional
                                                                            our absolute discretion determine from time to time.Where              cardholders and/or through the use of the additional cards
1. Approval of this credit card application and the issue of the            additional card(s) is/are issued to you, payment made by a             whereas an additional cardholder shall be liable only for the
   credit card ("Card") and/or the virtual card (“Virtual Card”) to         main cardholder shall be applied towards repayment of the              transactions effected and the liabilities incurred by such
   you are subject to our satisfactory verification of the data             respective sums of moneys due from the main cardholder                 additional cardholder through the use of the additional card.
   stated in your application form and the documents supplied               and from the additional cardholder(s) in such order and          16.   You irrevocably authorize us at any time and from time to
   by you in support thereof and our credit policy from time to             priority as we may in our absolute discretion determine from           time to combine and set off all or any of your accounts with
   time in force. We reserve the right to refuse your application           time to time. Although an additional cardholder is only liable         us without prior notice.
   without assigning any reason therefor.                                   for transactions effected through his/her own additional
                                                                            card, such additional cardholder may (at his/her option)         17.   You irrevocably authorize and instruct each of the Bank of
2. A ‘Virtual Card’ will be issued only in the form of ‘a credit                                                                                   China (Hong Kong) Limited, Nanyang Commercial Bank
   card account number’ and without any physical card.                      settle the amounts due from the main cardholder and/or
                                                                            other additional cardholders. Any payment made by an                   Limited and Chiyu Banking Corporation Limited with which
3. You agree to be bound by the terms and conditions of the                 additional cardholder in excess of the amounts then due                you may have account to debit and pay to us the credit
   BOC Credit Card (International) Limited Credit Card User                 from him/her to us shall be irrevocably deemed to be                   balance thereof (whether held singly or jointly with other,
   Agreement and/or the BOC Credit Card (International)                     voluntary payment to settle (in whole or in part) the amounts          and whether or not such amount is matured or due and
   Limited Virtual Card User Agreement (the "User                           due from the main cardholder and/or other additional                   payable) for the satisfaction of your liability to us without
   Agreements"). Copies of these User Agreements are                        cardholders, in such order and priority as we may from time            prior notice upon our request.
   available at our principal place of business or on our web               to time determine.                                               18.   You acknowledge that in the event of your default in
   site at www.boci.com.hk.                                                                                                                        repayment of any amount from time to time due to us, we
                                                                      9.    You acknowledge that the Card and/or the Virtual Card are
4. Immediately upon receipt of the Card and/or being notified               our properties. You agree to take all necessary measures to            are entitled to appoint debt collection agencies and/or
   of the issue of the Virtual Card, you have the responsibility            keep the Card and/or the Virtual Card safely under your                institute legal proceedings at any time without prior notice
   to sign the Card on the space provided, and if so required               personal control and the personal identification number                against you to enforce repayment. You agree to indemnify
   by us activate the Card and/or the Virtual Card according to             ("PIN") secret and use the Card and/or the Virtual Card in             us against all costs and expenses reasonably incurred in
   our instructions. Your signature on the Card, or use or                  accordance with the procedures, instructions and/or                    connection with the appointment of debt collection agencies
   activation of the Card and/or the Virtual Card shall                     security guidelines from time to time issued by us to prevent          provided that the total collection costs recoverable against
   constitute conclusive evidence of your agreement to be                   fraud.                                                                 you shall in normal circumstances not exceed 30% of the
   bound by the terms and conditions of the User Agreements.                                                                                       aggregate outstanding balance of your account, and
                                                                      10.   It is your responsibility to report as soon as reasonably              against all legal costs and expenses reasonably incurred by
5. All applicable fees, charges and interest payable in respect             practicable to us and to the police of any loss, theft,
   of the issue and use of the Card and/or the Virtual Card are                                                                                    us in enforcing payment via legal process.
                                                                            unauthorized use of the Card, the Virtual Card and/or PIN
   set out in the Fees Schedule referred to in the User                     and/or suspected unauthorized use of the Card and/or the         19.   We may (in our discretion) from time to time change any of
   Agreements. A copy of the Fees Schedule is available at                  Virtual Card or any counterfeit card.                                  the terms and conditions of the User Agreements and/or the
   our principal place of business or on our web site at                                                                                           Fees Schedule provided that we shall give you not less than
   www.boci.com.hk.                                                   11.   Notwithstanding anything contained in the User Agreements              30 days' notice before any change of the terms and
                                                                            regarding credit period granted to you by us, you shall                conditions affecting fees and charges and your liabilities or
6. You will receive from us a statement of account                          repay all sums due to us immediately upon our demand.
   ("Statement") on a monthly or other periodic basis showing                                                                                      obligations takes effect, unless such changes are beyond
   (among other things) the current balance of your account,          12.   You agree to examine your Statement carefully and report               our control. You may terminate the Card in accordance with
   the minimum payment due from you to us and the payment                   any unauthorized transactions in the Statement within 60               the User Agreements if you do not accept our proposed
   due date, except where there is no New Transaction since                 days from the date of the Statement.                                   change.
   the last statement. You agree to verify the transaction            13.   Provided that you have acted in good faith and with due          20.   Where the Card is used through ATM, point of sale
   details of the Statement and notify us in writing of any error           care (including taking all necessary precautions to                    terminals or other devices, the use of any services through
   within 60 days from the date of the Statement. Otherwise,                safeguard the Card and/or the Virtual Card and to report               such shall be subject to the terms and conditions (including
   we shall be entitled to treat all transactions shown on the              loss, theft and/or unauthorized or suspected unauthorized              without limitation the "Conditions for Services" and "General
   Statement as correct and conclusive.                                     use of the Card and/or the Virtual Card as soon as                     Information") which may govern any other services provided
7. You acknowledge and agree that if you shall make no                      practicable) in handling the Card and/or the Virtual Card,             through the Card.
   payment or payment of less than the current balance on or                your liability for loss, theft and/or unauthorized use of the    21.   We may at any time without notice and without giving any
   before the due date, interest shall be charged on (i) the                Card and/or the Virtual Card shall not exceed the maximum              reason suspend, cancel or terminate the Card and/or the
   unpaid balance from the date of the Statement, and (ii) the              from time to time prescribed by the applicable law or                  Virtual Card and/or any services thereby offered and/or
   amount of each new transaction (i.e. a transaction occurring             regulatory directive.                                                  disapprove any transaction proposed to be effected by the
   at any time after the last transaction as shown in the             14.   You shall be fully liable for all loss and damage arising out          Card and/or the Virtual Card. Upon cancellation or
   Statement, or at any time before that last transaction which             of or in connection with the loss, theft and/or unauthorized           termination, you must unconditionally and immediately
   has not been debited to your account and shown in the                    use of the Card and/or the Virtual Card if you have acted              cease using the Card and/or the Virtual Card for any
   Statement) from the date of that new transaction, and if you             fraudulently or with gross negligence, or have failed to take          purpose.
   shall make no payment or payment of less than the                        all necessary precautions to prevent such loss, theft and/or     22.   If there is any inconsistency or conflict between the English
   minimum payment on or before the due date, then a late                   unauthorized use of the Card and/or the Virtual Card, or if            and the Chinese versions of these terms and conditions, the
   charge shall be charged in addition to the interest payable              the unauthorized use of the Card and/or the Virtual Card               English version shall prevail. In the event of any
   on the unpaid balance and the amounts of all new                         involves the use of your PIN with or without your knowledge            inconsistency between the terms and conditions stated
   transactions. Where additional card(s) is/are issued, we                 and shall indemnify us against all losses, damages,                    herein and the User Agreements, the User Agreements
   may treat any or all fees, charges and/or interests arising              liabilities and all reasonable costs and expenses incurred as          shall prevail.
   out of the use of any additional card as though the same                 a result thereof.
   were incurred by the main cardholder to all intents and            15.   Where additional card(s) is/are issued to you, a main
   purposes.                                                                cardholder shall (jointly and severally with the additional
8. Payment made by you shall be applied towards repayment                   cardholders) be liable to us for any and all transactions        BOC Credit Card (International) Ltd is a member of BOCHK Group.
                    DATA POLICY NOTICE                                       (f) assisting other financial institutions to conduct credit
                                                                                 checks and collect debts;
1. This Notice sets out the data policies of Bank of China (Hong             (g) ensuring ongoing credit worthiness of data subjects;
   Kong) Limited, Nanyang Commercial Bank, Limited, Chiyu                    (h) researching and/or designing financial services or related
   Banking Corporation Limited and BOC Credit Card                               products for data subjects' use;
   (International) Limited (each a "Company") in respect of their                (i) marketing the following services and products (in respect
   respective data subjects (as hereinafter defined). The rights                       of which the Company may or may not be remunerated):
   and obligations of each Company under this Notice are                         (i) financial, insurance, credit card, banking, securities
   several and not joint. No Company shall be liable for any act                       and investment and related services and products;
   or omission by another Company.                                               (ii) reward, loyalty or privileges programmes and related
2. The term "data subject(s)", wherever mentioned in this                              services and products; and
   Notice, includes the following categories of individuals :-                   (iii) services and products offered by the Company’s
   (a) applicants for or customers/users of banking/financial                          co-branding partners (the names of such co-branding
        services and facilities provided by a Company and their                        partners will be provided in the application form(s) for,
        referees;                                                                      or during the application of, the relevant services and
   (b) sureties and parties providing security, guarantee or any                       products, as the case may be); and
        form of support for obligations owed to a Company;                       these services or products may be provided and/or
   (c) directors, shareholders, officers and managers of any                     marketed by:
        corporate applicants and customers/users; and                            (i) the Company and the parties set out in paragraphs
   (d) suppliers, contractors, service providers and other                             (7)(a) and (7)(b);
        contractual counterparties of the Company.                               (ii) third party financial institutions, insurers, credit card
   For the avoidance of doubt, "data subjects" shall not include any                   companies, securities and investment services providers;
   incorporated bodies. The contents of this Notice shall apply to all           (iii) third party reward, loyalty or privileges programme
   data subjects and form part of any contracts for services that the                  providers; and
   data subjects have or may enter into with the Company from time               (iv) co-branding partners of the Company and the parties
   to time. If there is any inconsistency or discrepancy between this                  set out in paragraphs (7)(a) and (7)(b);
   Notice and the relevant contract, this Notice shall prevail insofar       (j) determining amount of indebtedness owed to or by data
   as it relates to the protection of the data subjects' personal data.          subjects;
   Nothing in this Notice shall limit the rights of the data subjects        (k) enforcing data subjects' obligations including without
   under the Personal Data (Privacy) Ordinance (the "Ordinance").                limitation the collection of amounts outstanding from data
3. From time to time, it is necessary for the data subjects to                   subjects;
   supply the Company with data in connection with various                   (l) meeting the requirements to make disclosure under the
   matters such as the opening or continuation of accounts and                   requirements of any law binding on the Company or any
   the establishment or continuation of banking facilities or                    of its branches or under and for the purposes of any
   provision of banking or other services by the Company, or the                 guidelines issued by regulatory or other authorities with
   provision of supplies or services to the Company.                             which the Company or any of its branches are expected
4. Failure to supply such data may result in the Company being                   to comply;
   unable to open or continue accounts or establish or continue              (m) enabling an actual or proposed assignee of the Company,
   banking facilities or provide banking or other services.                      or participant or sub-participant of the Company's rights in
5. Data relating to the data subjects are collected or received by               respect of the data subjects to evaluate the transaction
   the Company from time to time. Such data may include, but                     intended to be the subject of the assignment, participation
   not limited to, data collected from data subjects in the ordinary             or sub-participation;
   course of the continuation of the relationship between the                (n) comparing data of data subjects or other persons for
   Company and data subjects, for example, when data subjects                    credit checking, data verification or otherwise producing
   write cheques, deposit money, effect transactions through                     or verifying data, whether or not for the purpose of taking
   credit cards issued or serviced by the Company or generally                   adverse action against the data subjects;
   communicate verbally or in writing with the Company.                      (o) maintaining a credit history or otherwise, a record of data
6. The purposes for which the data relating to the data subjects                 subjects (whether or not there exists any relationship
   may be used will vary depending on the nature of the data                     between data subjects and the Company) for present and
   subjects' relationship with the Company, they may include                     future reference; and
   the following :-                                                          (p) purposes incidental, associated or relating thereto.
   (a) assessing the merits and suitability of the data subjects          7. Data held by the Company relating to data subjects will be
        as actual or potential applicants for banking / financial            kept confidential but the Company may provide and disclose
        services and facilities and/or processing their applications;        (as defined in the Ordinance) such data to the following
   (b) enabling the Company to ensure the daily operation of                 parties for the purposes set out in the previous paragraph:
        the services and credit facilities provided to the data              (a) the Company's holding companies, branches, subsidiaries,
        subjects;                                                                representative offices and affiliates, wherever situated;
   (c) conducting credit checks whenever appropriate (including,             (b) the other Companies and their respective holding
        without limitation, upon an application for consumer credit              companies, branches, subsidiaries, representative
        and upon periodic review of the credit) and carrying out                 offices and affiliates, wherever situated;
        matching procedures (as defined in the Ordinance);                   (c) any agent, contractor or third party service provider who
   (d) creating and maintaining the Company's credit scoring                     provides administrative, telecommunications, computer,
        models;                                                                  payment or securities clearing or other services to the
   (e) providing reference;                                                      Company in connection with the operation of its business;
   (d) any other person under a duty of confidentiality to the           (e) in relation to consumer credit data which has been
       Company or who has undertaken to keep such data                       provided by the Company to a credit reference agency
       confidential;                                                         (except where the consumer credit applied for involves a
   (e) the drawee bank providing a copy of a paid cheque                     residential mortgage loan), to instruct the Company upon
       (which may contain information about the payee) to the                termination of an account by full repayment to make a
       drawer;                                                               request to the credit reference agency to delete such data
   (f) any person making payment into a data subject's                       from its database, as long as the instruction is given
       account;                                                              within 5 years of termination and at no time did the
   (g) any person receiving payment from a data subject, the                 account have a default of payment lasting in excess of 60
       banker of such person and any intermediary(ies) which                 days within 5 years immediately before account
       may handle or process such payment;                                   termination. In the event the account has had a default of
   (h) credit reference agencies, and, in the event of default, to           payment lasting in excess of 60 days, the data may be
       debt collection agencies;                                             retained by the credit reference agency until the expiry of
   (i) any financial institution and charge or credit card issuing           5 years from the date of final settlement of the amount in
       companies with which the data subjects have or propose                default or 5 years from the date of discharge of the
       to have dealings;                                                     individual's bankruptcy as notified to the credit reference
   (j) any person to whom the Company is under an obligation                 agency whichever is earlier.
       to make disclosure under the requirements of any law          9. The Company has the right to charge a reasonable fee for the
       binding on the Company or any of its branches or under            processing of any data access request.
       and for the purposes of any guidelines issued by              10. The Company may have obtained credit report on the data
       regulatory or other authorities with which the Company or         subjects from credit reference agency(ies) in considering any
       any of its branches are expected to comply;                       application for credit. In the event that the data subjects wish
   (k) any actual or proposed assignee of the Company or                 to access the credit report, the Company will advise them the
       participant or sub-participant or transferee of the               contact details of the relevant credit reference agency(ies).
       Company's rights in respect of data subjects;                 11. The person to whom requests for access to data or correction
   (l) third party financial institutions, insurers, credit card         of data or for information regarding policies and practices and
       companies, securities and investment services providers;          kinds of data held are to be addressed is as follows:
   (m) third party reward, loyalty and privileges programme             Bank of China (Hong Kong) Limited   Nanyang Commercial Bank, Limited
       providers;                                                       The Data Protection Officer         The Data Protection Officer
   (n) co-branding partners of the Company and the parties set          Bank of China (Hong Kong) Limited   Nanyang Commercial Bank, Ltd.
       out in paragraphs (7)(a) and (7)(b) (the names of such           Bank of China Tower                 151 Des Voeux Road Central
       co-branding partners will be provided in the application         1 Garden Road, Hong Kong            Hong Kong
       form(s) for, or during the application of, the relevant          Facsimile: (852) 2899 2613          Facsimile: (852) 2815 3333
       services and products, as the case may be); and
                                                                        Chiyu Banking Corporation Limited   BOC Credit Card (International) Limited
   (o) external service providers (including but not limited to         The Data Protection Officer         The Data Protection Officer
       mailing     houses,      telecommunication      companies,       Chiyu Banking Corporation Limited   BOC Credit Card (International) Ltd
       telemarketing and direct sales agents, call centres, data        78 Des Voeux Road Central           Bank of China Tower
       processing companies and information technology                  Hong Kong                           1 Garden Road, Hong Kong
       companies) that the Company engages for the purposes             Facsimile: (852) 2810 4207          Facsimile: (852) 2541 5415
       set out in paragraph 6(i),
   notwithstanding that any of such parties' place of business is    12. If there is any inconsistency between the English version and
   outside the places where the Company has operations, or               the Chinese version of this Notice, the Chinese version shall
   that such data following disclosure will be collected, held,          prevail in relation to any matters arising in the Mainland
   processed, used or further disclosed by such parties in whole         China exclusive of Hong Kong, the English version shall
   or part outside the places where the Company has                      prevail in relation to any matters arising in Hong Kong and
   operations in accordance with the applicable local practices,         elsewhere.
   laws, rules and regulations.
8. Under and in accordance with the terms of the Ordinance and       March 2011                                                         DPN(V2)11
   the Code of Practice on Consumer Credit Data approved and
   issued under the Ordinance, any data subject has the right:
   (a) to check whether the Company holds data about him and
       has access to such data;
   (b) to require the Company to correct any data relating to him
       which is inaccurate;
   (c) to ascertain the Company's policies and practices in
       relation to data and to be informed of the kind of personal
       data held by the Company;
   (d) in relation to consumer credit, to request to be informed
       which items of data are routinely disclosed to credit
       reference agencies or debt collection agencies, and be
       provided with further information to enable the making of
       an access and correction request to the relevant credit
       reference agency or debt collection agency; and

								
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