²   Cash Rebate: Cardholders are entitled to 1% cash rebate for every retail purchase of MOP$200.

²   Birthday Promotion: Double cash rebate reward (2%) when purchasing on your birthday.

²   Low-Interest Installment Program: Advantage cash of up to 80% of credit card limit or up to 18 months repayment plan with monthly interest rate of 0.18%.

²   Shopping Privileges: Exclusive offers and benefits from 100+ merchants in Macau and HK.

²   Cash back on spending:   1% cash back on overseas spending, and 0.75% cash back on local spending. No minimum spending amount & no caps on rebate amount.

²   Travel and insurance services: Simply charge your airline tickets, hotel bills and other expenses to your Card to enjoy this complementary coverage, which extends to loss of deposit, accidents, travel inconvenience insurance, as well as overseas accident hospital cash insurance.

²   Product insurance: Every purchase you make with your Card, regardless of location, is automatically insured against damage or theft.

²   Travel Services Offices: With 2,200 American Express Travel Service Offices in more than 130 countries worldwide.

²   Exclusive Promotion: A card with the functions of BOC credit card and a JNUMAA members’ discount card, which may enjoy card services provided by BOC and offers available at the shops operated by JNUMAA.

²   Bonus Point Program: Cardholders will earn 1 reward point for every $1 spent. The accumulative bonus points can be used to redeem special gifts or cash rebates. 

²   Priority Pass for Airport VIP Lounges: Eligible for a free Priority Pass to access over 700 airport VIP lounges across 120 countries.

²   Waiving of Foreign Transaction Fee: Foreign transaction fee will be waived on non-MOP currency around the world with BOC Multi-currency Credit Card.

²   Free Travel Insurance: No pre-arrangement is required for free travel insurance on purchase payment while you are traveling abroad.

²   Cash bonus points: credited into your account, on a quarterly basis. You may earn up to 0.5% of your spending in return of cash rebate to your credit card account.

²   Access to Airport Lounges: Platinum cardholder will entitle free Priority Pass membership, a free visit to Macau Airport lounge per each MOP$50,0000 card spending and a free visit to Priority Pass airport lounges per each MOP$40,000 spending.

²   "BNU Life" program: offers exceptional value and privileges in travel, leisure, dining and shopping.

²   "BNU Life" program: offers exceptional value and privileges in travel, leisure, dining and shopping.

²   Cash bonus points: credited into your account, on a quarterly basis. You may earn up to 0.5% of your spending in return of cash rebate to your credit card account.

²   Debit by Installments: Make payments to merchants by installment with your BNU Credit card. 

²   Priority Pass for Airport VIP Lounges: Eligible for a free Priority Pass and 2 free visits to over 700 airport VIP lounges around the world in the first year. From the second year onward, cardholders will enjoy 3 free visits for spending of MOP$60,000 and enjoy 6 free visits for spending of MOP$100,000 in the last calendar year.

²   Free access to Macau Airport VIP Lounge: Cardholders may enjoy free access to the Macau Airport VIP Lounge together with one traveling companion for a maximum of 3 hours per visit.

²   Waiving of Foreign Transaction Fee: All Foreign Transaction Fee will be waived on non-MOP currency around the world with BOC Multi-currency Credit Card.

²   Free Travel Insurance: No pre-arrangement is required for free travel insurance on purchase payment while you are traveling abroad.

²   Flexible Credit Limits: Credit limits can be set individually and flexibly according to your needs.

²   Bonus Point Program: Cardholders will earn 1 reward point for every $1 spent. The accumulative bonus points can be used to redeem special gifts or cash rebates. 

²   Priority Pass for Airport VIP Lounges: Eligible for a free Priority Pass to access over 700 airport VIP lounges across 120 countries.

²   Waiving of Foreign Transaction Fee: Foreign transaction fee will be waived on non-MOP currency around the world with BOC Multi-currency Credit Card.

²   Free Travel Insurance: No pre-arrangement is required for free travel insurance on purchase payment while you are traveling abroad.

²   Priority Pass for Airport VIP Lounges: Eligible for a free Priority Pass and 2 free visits to over 700 airport VIP lounges around the world in the first year. From the second year onward, cardholders will enjoy 3 free visits for spending of MOP$60,000 and enjoy 6 free visits for spending of MOP$100,000 in the last calendar year.

²   Free access to Macau Airport VIP Lounge: Cardholders may enjoy free access to the Macau Airport VIP Lounge together with one traveling companion for a maximum of 3 hours per visit.

²   Waiving of Foreign Transaction Fee: All Foreign Transaction Fee will be waived on non-MOP currency around the world with BOC Multi-currency Credit Card.

²   Free Travel Insurance: No pre-arrangement is required for free travel insurance on purchase payment while you are traveling abroad.

²   Flexible Credit Limits: Credit limits can be set individually and flexibly according to your needs.

²   UnionPay QuickPass: UnionPay QuickPass contactless payments are accepted by merchants displaying QuickPass logo around the world.

²   Bonus Point Program: Cardholders will earn 1 reward point for every $1 spent. The accumulative bonus points can be used to redeem special gifts or cash rebates. 

²   Priority Pass for Airport VIP Lounges: Eligible for a free Priority Pass to access over 700 airport VIP lounges across 120 countries.

²   Waiving of Foreign Transaction Fee: Foreign transaction fee will be waived on non-MOP currency around the world with BOC Multi-currency Credit Card.

²   Free Travel Insurance: No pre arrangement is required for free travel insurance on purchase payment while you are traveling abroad.

²   Visa payWave: Visa payWave contactless payments are accepted by merchants displaying Visa payWave logo around the world.

²   Bonus Point Program: Cardholders will earn 1 reward point for every $1 spent. The accumulative bonus points can be used to redeem special gifts or cash rebates. 

²   Priority Pass for Airport VIP Lounges: Eligible for a free Priority Pass to access over 700 airport VIP lounges across 120 countries.

²   Waiving of Foreign Transaction Fee: Foreign transaction fee will be waived on non-MOP currency around the world with BOC Multi-currency Credit Card.

²   Free Travel Insurance: No pre-arrangement is required for free travel insurance on purchase payment while you are traveling abroad.

²   Support Conservation Work for Pandas: 10% of the operating profit from this Panda card will be donated to the Giant Pandas Fund for the conservation work for the Giant Pandas in Macau.

²   Bonus Point Program: Cardholders will earn 1 reward point for every $1 spent. The accumulative bonus points can be used to redeem special gifts or cash rebates. 

²   Priority Pass for Airport VIP Lounges: Eligible for a free Priority Pass to access over 700 airport VIP lounges across 120 countries.

²   Waiving of Foreign Transaction Fee: Foreign transaction fee will be waived on non-MOP currency around the world with BOC Multi-currency Credit Card.

²   Free Travel Insurance: No pre-arrangement is required for free travel insurance on purchase payment while you are traveling abroad.

²   Accumulate Good Luck through Charity Activities: 1% of the total amount of purchase payments will be donated to the Kiang Wu Charitable Association.

²   Bonus Point Program: Cardholders will earn 1 reward point for every $1 spent. The accumulative bonus points can be used to redeem special gifts or cash rebates. 

²   Priority Pass for Airport VIP Lounges: Eligible for a free Priority Pass to access over 700 airport VIP lounges across 120 countries.

²   Waiving of Foreign Transaction Fee: Foreign transaction fee will be waived on non-MOP currency around the world with BOC Multi-currency Credit Card.

²   Free Travel Insurance: No pre-arrangement is required for free travel insurance on purchase payment while you are traveling abroad.

²   Enjoy special offer by Future Bright Group: Enjoy special offers and extra bonus point rewards provided by the Future Bright Group.

²   Bonus Point Program: Cardholders will earn 1 reward point for every $1 spent. The accumulative bonus points can be used to redeem special gifts or cash rebates. 

²   Priority Pass for Airport VIP Lounges: Eligible for a free Priority Pass to access over 700 airport VIP lounges across 120 countries.

²   Waiving of Foreign Transaction Fee: Foreign transaction fee will be waived on non-MOP currency around the world with BOC Multi-currency Credit Card.

²   Free Travel Insurance: No pre-arrangement is required for free travel insurance on purchase payment while you are traveling abroad.

²   Bonus Points Converted to Miles: Cardholders will earn MOP$1 = 1 reward point. Every 10 points will be converted to 1 Phoenix Mile automatically. Remaining balance of less than 10 points will be carried forward to the next statement month.

²   Priority Pass for Airport VIP Lounges: Eligible for a free Priority Pass to access over 700 airport VIP lounges across 120 countries.

²   Waiving of Foreign Transaction Fee: Foreign transaction fee will be waived on non-MOP currency around the world with BOC Multi-currency Credit Card.

²   Free Travel Insurance: No pre-arrangement is required for free travel insurance on purchase payment while you are traveling abroad.

²   Bonus Points Converted to Miles: Cardholders will earn MOP$1 = 1 reward point. Every 10 points will be converted to 1 Phoenix Mile automatically. Remaining balance of less than 10 points will be carried forward to the next statement month.

²   Priority Pass for Airport VIP Lounges: Eligible for a free Priority Pass to access over 700 airport VIP lounges across 120 countries.

²   Waiving of Foreign Transaction Fee: Foreign transaction fee will be waived on non-MOP currency around the world with BOC Multi-currency Credit Card.

²   Free Travel Insurance: No pre-arrangement is required for free travel insurance on purchase payment while you are traveling abroad.

²   Exclusive Promotion: A card with the functions of BOC credit card and a JNUMAA members’ discount card, which may enjoy card services provided by BOC and offers available at the shops operated by JNUMAA.

²   Bonus Point Program: Cardholders will earn 1 reward point for every $1 spent. The accumulative bonus points can be used to redeem special gifts or cash rebates. 

²   Priority Pass for Airport VIP Lounges: Eligible for a free Priority Pass to access over 700 airport VIP lounges across 120 countries.

²   Waiving of Foreign Transaction Fee: Foreign transaction fee will be waived on non-MOP currency around the world with BOC Multi-currency Credit Card.

²   Free Travel Insurance: No pre-arrangement is required for free travel insurance on purchase payment while you are traveling abroad.

²   Cash bonus points:  Retail spending of MOP$1 = 1 bonus point.  Every 200 points can be converted to $1 cash back (i.e. 0.5% of your spending in return of cash rebate).

²   "BNU Life" program: Offers exceptional value and privileges in travel, leisure, dining and shopping.

²   Debit by Installments: Make payments to merchants by installment with your BNU Credit card. 

²   Cash bonus points:  Retail spending of MOP$1 = 1 bonus point.  Every 200 points can be converted to $1 cash back (i.e. 0.5% of your spending in return of cash rebate).

²   Mastercard Traveler Rewards: 5% rewards whenever you shop, travel or purchase online from participating merchants.

²   "BNU Life" program: Offers exceptional value and privileges in travel, leisure, dining and shopping.

²   Debit by Installments: Make payments to merchants by installment with your BNU Credit card. 

²   Contribution to the Community: Spending with Tung Sin Tong VISA credit card, 1% of the volume of transactions will be contributed to provide medical assistance and medication to those in need.

²   Cash bonus points:  Retail spending of MOP$1 = 1 bonus point.  Every 200 points can be converted to $1 cash back (i.e. 0.5% of your spending in return of cash rebate).

²   Access to Airport Lounges: Platinum cardholder will entitle free Priority Pass membership, a free visit to Macau Airport lounge per each MOP$50,0000 card spending and a free visit to Priority Pass airport lounges per each MOP$40,000 spending.

²   Contribution to the Community: Spending with Tung Sin Tong VISA credit card, 1% of the volume of transactions will be contributed to provide medical assistance and medication to those in need.

²   Cash bonus points:  Retail spending of MOP$1 = 1 bonus point.  Every 200 points can be converted to $1 cash back (i.e. 0.5% of your spending in return of cash rebate).

²   Access to Airport Lounges: Platinum cardholder will entitle free Priority Pass membership, a free visit to Macau Airport lounge per each MOP$50,0000 card spending and a free visit to Priority Pass airport lounges per each MOP$40,000 spending.

²   Contribution to UMAC Development: Spending with UMAC VISA credit card,  a percentage of the volume of transactions will be contributed to the development of University of Macau.

²   Cash bonus points:  Retail spending of MOP$1 = 1 bonus point.  Every 200 points can be converted to $1 cash back (i.e. 0.5% of your spending in return of cash rebate).

²   Access to Airport Lounges: Platinum cardholder will entitle free Priority Pass membership, a free visit to Macau Airport lounge per each MOP$50,0000 card spending and a free visit to Priority Pass airport lounges per each MOP$40,000 spending.

²   Contribution to UMAC Development: Spending with UMAC VISA credit card,  a percentage of the volume of transactions will be contributed to the development of University of Macau.

²   "BNU Life" program: offers exceptional value and privileges in travel, leisure, dining and shopping.

²   Debit by Installments: Make payments to merchants by installment with your BNU Credit card. 

²   Contribution to UMAC Development: Spending with UMAC VISA credit card,  a percentage of the volume of transactions will be contributed to the development of University of Macau.

²   "BNU Life" program: offers exceptional value and privileges in travel, leisure, dining and shopping.

²   Debit by Installments: Make payments to merchants by installment with your BNU Credit card. 

²   Contribution to the Community: Spending with Tung Sin Tong VISA credit card, 1% of the volume of transactions will be contributed to provide medical assistance and medication to those in need.

²   Cash bonus points:  Retail spending of MOP$1 = 1 bonus point.  Every 200 points can be converted to $1 cash back (i.e. 0.5% of your spending in return of cash rebate).

²   Access to Airport Lounges: Platinum cardholder will entitle free Priority Pass membership, a free visit to Macau Airport lounge per each MOP$50,0000 card spending and a free visit to Priority Pass airport lounges per each MOP$40,000 spending.

²   Debit by Installments: Make payments to merchants by installment with your BNU Credit card. 

²   Platinum Cardholder Benefits:  Enjoy a wide range of benefits in traveling, shopping, leisure, and dining around the world.  Exclusive privileges include: Visa Platinum Club, Golf, dining, travel assistance and many other benefits.

²   Bonus Point Program: Exclusive MOP$1 = 1 Bonus Point offer. Cardholders may choose from valuable redemption options with the 18-month validity.

²  Shopping Privileges: Exclusive merchants offer various privileges throughout the whole year.

²   Interest-Free Installment Plan: Make your purchase anytime in an easy way.

²   First CUP Dual Currency Credit Card in Macau: Cardholders will be billed in RMB When spending in Mainland China and in MOP when spending in Macau and oversea to save exchange costs.

²   Transaction Fee Waiver: Enjoy the transaction fee waiver in China and overseas.

²   Bonus Point Program: Exclusive MOP$/RMB 1=1 Bonus Points offer. Cardholders may choose from valuable redemption options with the 18-month validity.

²   Free International Travel Insurance: Cardholders can enjoy free international travel insurance and worldwide emergency support.

²   Sands Lifestyle Bonus Point Rewards: HK$240 Spend = 12 Sands Lifestyle Bonus Point. Bonus points can be used for valuable redemption options.

²   Extra Bonus Point Rewards: Enjoy extra Sands Lifestyle Bonus Point on spending at Sands Resorts Macao, i.e 5X bonus point for hotel accommodation, dining, event ticketing and 3X bonus point for shopping. 

²   Sands Exclusive Year-round Offer: Exclusive offers at select outlets within Sands Resorts Macao, including 20% off for hotel reservation, 15% off for Food & Beverage and Concert & Entertainment ticketing.

²   3X Overseas Spending Rewards: For overseas transactions, cardholder can earn 3X bonus rewards.

²   Designed for Company: Visa Business Credit Card provides convenience for business spending and abroad.

²   Visa is Always Welcome: Being welcome over 30 million outlets in more than 200 countries and 30 millions merchants worldwide.

²   Shopping Privileges: Exclusive merchants offer various privileges throughout the whole year.

²  The First CUP Dual Currency Credit Card in Macau: Cardholders will be billed in RMB When spending in Mainland China and in MOP when spending in Macau and oversea to save exchange costs.

²  Oversea Transaction Fee Waiver: Enjoy the transaction fee waiver by using CUP Dual Currency Card in China and overseas.

²   Bonus Point Program: Exclusive MOP/RMB 1=1 Bonus Points offer. Cardholders may choose from our designated and valuable redemption options with the 18-month validity.

²   Free International Travel Insurance: Cardholders can enjoy free international travel insurance and worldwide emergency support.

²   Exclusive Platinum Privilege: Providing favored reservation on 300 mainland collaborate clubs with 20% to 70 % discount & favored reservation on 3,360 oversea clubs, priority to join nationwide tournaments of 1872 members, and other services.

²   Oversea Transaction Fee Waiver: Enjoy the transaction fee waiver by using ICBC CUP Dual Currency Credit Card in China and overseas

²   Privileges Exchange Rate in Oversea Spending: The CUP settlement network may provide you with the most attractive exchange rate when you spend in oversea.

²   Designated Gift Options: Exclusive MOP/RMB 1=1 Bonus Points offer. You may choose from our designated and valuable redemption option with the 18-month validity.

²   Free International Travel Insurance: Cardholders can enjoy free international travel insurance and worldwide emergency support.

²   Exclusive Promotions: Cardholders will automatically become China Telecom (Macau)’s VIP enjoying exclusive privileges and promotional offers throughout the year.

²   Bonus Point Program: Exclusive MOP$1 = 1 Bonus Point offer. Cardholders may choose from our valuable redemption options with the 18-month validity.

²   Shopping Privileges: Exclusive merchants offer various privileges throughout the whole year.

²   Interest-Free Installment Plan: Make your purchase anytime in an easy way.

²   Exclusive Promotions: Cardholders will automatically become China Telecom (Macau)’s VIP enjoying exclusive privileges and promotional offers throughout the year.

²   Bonus Point Program: Exclusive MOP$1 = 1 Bonus Point offer. Cardholders may choose from our valuable redemption options with the 18-month validity.

²   Shopping Privileges: Exclusive merchants offer various privileges throughout the whole year.

²   Interest-Free Installment Plan: Make your purchase anytime in an easy way.

²   Bonus Point Program: Exclusive MOP$1 = 1 Bonus Point offer. Cardholders may choose from valuable redemption options with the 18-month validity.

²  Shopping Privileges: Exclusive merchants offer various privileges throughout the whole year.

²   Interest-Free Installment Plan: Make your purchase anytime in an easy way.

²   Exclusive Privileges: A rebate of 2.5% (even up to 3%) in New Yaohan Cash Coupon when spending at New Yaohan. Cardholders will also become New Yaohan’s VIP enjoying promotional offers and discounts.

²   Bonus Point Program: Exclusive MOP$1 = 1 Bonus Point offer. Cardholders can choose from valuable redemption options with the 18-month validity.

²   Free International Travel Insurance: Cardholders can enjoy free international travel insurance and worldwide emergency support.

²   Interest-Free Installment Plan: Make your purchase anytime in an easy way.

²   Exclusive Privileges: A rebate of 2.5% (even up to 3%) in New Yaohan Cash Coupon when spending at New Yaohan. Cardholders will also become New Yaohan’s VIP enjoying promotional offers and discounts.

²   Bonus Point Program: Exclusive MOP$1 = 1 Bonus Point offer. Cardholders can choose from valuable redemption options with the 18-month validity.

²   Free International Travel Insurance: Cardholders can enjoy free international travel insurance and worldwide emergency support.

²   Interest-Free Installment Plan: Make your purchase anytime in an easy way.

²   Bonus Point Program: Exclusive MOP$1 = 1 Bonus Point offer. Cardholders may choose from valuable redemption options with the 18-month validity.

²  Shopping Privileges: Exclusive merchants offer various privileges throughout the whole year.

²   Interest-Free Installment Plan: Make your purchase anytime in an easy way.

²   Bonus Point Program: Exclusive MOP$1 = 1 Bonus Point offer. Cardholders may choose from valuable redemption options with the 18-month validity.

²  Shopping Privileges: Exclusive merchants offer various privileges throughout the whole year.

²   Interest-Free Installment Plan: Make your purchase anytime in an easy way.

²   Bonus Point Program: Exclusive MOP$1 = 1 Bonus Point offer.  Cardholders may choose from valuable redemption options with the 18-month validity. 

²   Shopping Privileges: Apart from ICBC card privileges, cardholders can also enjoy the membership discounts offered by Jiangmen Communal Society MerchantAlliance.

²   Interest-Free Installment Plan: Make your purchase anytime in an easy way.

²   Exclusive Promotions: Diamond Card cardholders will be entitled 3 free accesses to Plaza Premium Lounge in Macau and HK.

²   1.5X Bonus Point Program: Earn 1.5 bonus points for every $1 spent. The accumulative bonus points can be used to redeem special gifts or cash rebates. 

²   Oversea Transaction Fee Waiver: Enjoy the transaction fee waiver by using Luso UnionPay Card in China and overseas.

²   Shopping Privileges: Exclusive merchants and restaurants offer various privileges and discounts.