Bank of China

Chill World Mastercard Calculator

Best for: People who regularly spend at current Chill Merchants and can meet the HK$1,500 monthly physical-spend requirement

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Monthly Cashback HKD 0

Effective Rate 0.00%

Chill Merchant Spending 10% cashback at designated Chill Merchants (if threshold met)

HKD

10.0% HKD 0

Foreign Currency In-store Spending 5% on eligible foreign-currency in-store purchases (shared HKD 150 cap)

HKD

5.0% HKD 0

Online Shopping (Any Currency) 5% on eligible online retail purchases (shared HKD 150 cap)

HKD

5.0% HKD 0

Other Eligible In-store Spending 0.4% cashback on other eligible spending (no cap)

HKD

0.4% HKD 0

Transaction eligibility and exclusions

Enter overall eligible retail spending only. The bank determines eligibility using transaction records and merchant classifications.

Eligible transaction notes

Eligible retail purchases include direct Apple Pay, Google Pay and Samsung Pay transactions, but not transactions routed through other e-wallets.
The 10% Chill Merchant rate requires at least HKD 1,500 of eligible physical-store spending during the calendar month. Online spending does not count toward this threshold.
For this aggregate estimate, Chill Merchant spending is treated as physical-store spending. If part of it was online, make sure your other eligible physical-store spending still reaches HKD 1,500.
Foreign-currency retail purchases must be settled in foreign currency. Online retail purchases can be made in any currency.
Principal and supplementary card spending is combined. Transactions are counted by transaction date and must post within seven days.
BOC states that cash rebates may be rounded to the nearest dollar; calculator results are estimates before any bank rounding.

Not eligible for cash rebate

Transactions through e-wallets, including BoC Pay+, AlipayHK and WeChat Pay HK, and purchases or reloads of stored-value cards or e-wallets.
Octopus add-value or Automatic Add Value transactions, person-to-person transfers, autopay transactions and payments routed through online payment systems such as PayPal or Alipay.
Cash Before Cash, balance transfers and instalment transactions, including cash, statement, online bill-payment and unposted merchant instalments.
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.

Chill Merchant classification

Chill Merchants are identified using merchant names, categories, codes and transaction types supplied by Mastercard or the merchant’s acquiring bank.
Transactions at a Chill Merchant through an e-wallet are not eligible for the Chill Merchant rate. If a purchase qualifies for more than one bonus category, the higher rebate rate applies.

The BOC Chill World Mastercard offers 10% cashback at designated Chill Merchants, 5% on eligible foreign-currency and online retail purchases, and a 0.4% base rate on other eligible retail spending. You must spend at least HK$1,500 per calendar month at eligible physical merchants to unlock the 10% Chill Merchant rate. The extra rebate above the 0.4% base is capped at HK$150 per month across all bonus categories. Eligibility is based on BOCHK's transaction records and Mastercard or acquiring-bank merchant classifications. Direct Apple Pay, Google Pay and Samsung Pay retail purchases can qualify, while e-wallet transactions, bill payments, instalments, financial transactions and other listed exclusions do not earn rebate. The Chill Merchant list can change, so check BOCHK's current list before relying on the 10% rate.

Advantages

10% cashback at eligible Chill Merchants
5% cashback on eligible foreign-currency retail spending
5% cashback on eligible online retail purchases
No annual fee
Apple Pay, Google Pay, Samsung Pay supported
0.4% base rate on other eligible retail spending

Considerations

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
Broad exclusions include e-wallets, bill payments, instalments and financial transactions
Merchant eligibility depends on BOCHK and card-network classification

Annual Fee: Waived (1st year) Min. Income: HK$150000/year