Chill World Mastercard Calculator
Best for: Young professionals who frequently visit cinemas, use streaming services, or shop at lifestyle brands like Starbucks, UNIQLO, and McDonald's
View official detailsThe BOC Chill World Mastercard targets young spenders with high cashback rates on lifestyle purchases. You earn 10% cashback at designated Chill Merchants, 5% on all overseas spending and online shopping, and 0.4% on everything else. The key requirement is that you must spend at least HK$1,500 per month at physical merchants to unlock the 10% Chill Merchant bonus. The extra rebate above the 0.4% base is capped at HK$150 per month combined across all bonus categories. Chill Merchants span a wide range of lifestyle brands including major cinemas, streaming services like Netflix and Spotify, food and beverage outlets such as Starbucks and McDonald's, and retail brands like UNIQLO and Samsung. The full merchant list is available on BOC's website and is subject to change, so it's worth checking periodically to ensure your favourite merchants still qualify.
- 10% cashback at Chill Merchants (cinemas, Netflix, Spotify, Starbucks, McDonald's, UNIQLO, Samsung, etc.)
- 5% cashback on all overseas spending (uncapped base)
- 5% cashback on all online shopping
- No annual fee
- Apple Pay, Google Pay, Samsung Pay supported
- 0.4% base rate on all spending (no exclusions on base rate)
- HK$150/month cap on bonus rebate (above 0.4%)
- Requires HK$1,500 physical spending to unlock 10% Chill rate
- Chill Merchant list is limited and can change
- Excludes Alipay HK and WeChat Pay
- Promotion terms valid until Dec 2025 (may change)