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Cheers Visa Signature Card
Bank of China

Cheers Visa Signature Card Calculator

Best for: Diners, pet owners and travellers who spend at least HK$5,000 per month and want the more accessible Cheers tier

View official details
Estimated Monthly Cash Value HKD 0
Effective Rate 0.00%
Local Dining & Pets 8X points on eligible dining and pets (first HKD 7,500 combined)
HKD
8% HKD 0
Foreign Currency Spending 8X points on overseas (first HK$18,750)
HKD
8% HKD 0
Other Eligible Spending 1X base points on other spending
HKD
1% HKD 0
Transaction eligibility and exclusions

Enter overall eligible retail spending only. Gift Points eligibility depends on BOC and Visa transaction classifications.

Bonus category rules

  • Dining must be settled in HKD. It excludes banquets, private parties or rooms, food courts, supermarket or department-store dining, social or sports associations, and clubhouses.
  • Pet spending includes purchases at local pet shops or veterinary clinics, including qualifying online pet shops and veterinary clinics.
  • Foreign-currency retail spending must be settled in foreign currency; transactions converted and settled in HKD do not qualify for the travel rate.
  • Direct Apple Pay, Google Pay and Samsung Pay retail purchases can qualify. Principal and supplementary card spending is combined.

Not eligible for Gift Points under this promotion

  • Transactions through e-wallets, including BoC Pay+, AlipayHK and WeChat Pay HK, and purchases or reloads of stored-value cards or e-wallets.
  • Cash advances, Cash Before Card, payments to other credit cards or personal loans, autopay and instalment transactions.
  • Octopus add-value or Automatic Add Value transactions, person-to-person transfers and payments routed through online payment systems such as PayPal or Alipay.
  • Public-utility and bill payments, including tax, telecommunications, membership, education or tuition, rent and utility bills.
  • Financial and similar transactions, including deposits, foreign-currency purchases, money transfers, speculation, insurance, mutual funds, stock contributions and property purchases.
  • Annual fees, finance or arrangement charges, Instant Rewards transactions and gift-delivery charges.
  • Casino or gambling transactions, charity donations and payments to non-profit organisations.
  • Transactions without a sales slip or official record, and fraudulent, unauthorised, unposted, cancelled or refunded transactions.

Cash-value estimate

  • The calculator values 25,000 Gift Points at HKD 100 for comparison. The supplied promotion terms use this ratio for reversals and state that promotional Gift Points cannot be converted into cash.
  • Any cash-equivalent amount shown is therefore a comparison estimate, not a cash redemption promise.
Calculator verified: 4 Aug 2026 Rates may change over time, and bank may not have same interpretation as us. Always verify with bank before applying.
View Official Terms

The BOC Cheers Visa Signature Card offers 8X Gift Points on eligible local dining and pet spending, plus eligible foreign-currency retail spending, after at least HK$5,000 of eligible retail spending in a calendar month. Without meeting this threshold, spending earns only the 1X basic rate. Dining and pets share the first HK$7,500 monthly bonus allowance, while the foreign-currency rate applies to the first HK$18,750. Promotional points across those categories are capped at 180,000 per month; other eligible 1X points remain outside that cap. The calculator shows an HKD comparison value using 25,000 points = HK$100, but the supplied promotion terms state that promotional Gift Points cannot be converted into cash.

Advantages

  • 8X points on local dining and pets (first HK$7,500 combined per month)
  • 8X points on foreign currency spending (up to HK$18,750/month)
  • Strong estimated HKD comparison value at the 8X rate
  • Lower income requirement (HK$150,000/year) vs Infinite tier
  • Lower annual fee (HK$2,000) vs Infinite tier
  • Annual fee waived first year
  • Visa Signature benefits

Considerations

  • Requires HK$5,000 monthly spending to unlock 8X rates
  • Only 8X vs 10X on the Infinite version
  • Lower caps than Infinite ($7,500 dining vs $10,000)
  • Only 1X on non-dining/travel categories
  • Spending beyond caps earns only 1X base rate
  • Displayed HKD amount is an estimated value, not promised cash redemption
Annual Fee: HK$2000 Min. Income: HK$150000/year

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