Bank of China NVMO Card Overview:
Looking for a card that gives you more bang for your buck? The BOC Family Card has been rebranded to BOC NVMO Card, and it comes with up to 10% cashback across a pretty wide range of spending categories.
You can earn cashback on Dining, Travel & Entertainment, as well as everyday expenses like Supermarkets, Online Purchases and Public Transport. Even less-common spending such as Hospitals, Veterinary Services and Insurance-related expenses can earn cashback — making this a card worth checking out if you want to squeeze more rewards out of your regular spending.
Eligibility & Fees:
- Minimum Age: 21 years old
- Minimum Annual Income: S$30,000 (locals/PRs); S$60,000 (foreigners)
- Annual Fee: $207.10, first year waived
Key Benefits:
- Earn 10% cashback on Dining and Online Food Delivery, 8% cashback on Travel and Entertainment, 3% cashback on Shopping and Lifestyle including Transport, Supermarkets and Online Purchases, and up to 3% cashback on Health and Wellness including Hospital, Veterinary and Pet spend, plus 1% cashback on Insurance.
- Minimum spend of S$800 per Billing Cycle.
- Cashback is capped at S$25 per category per Billing Cycle.
- Earn 0.3% cashback on other transactions.
How to Best Optimise it:
Best Used for Everyday and Lifestyle Spends
- The NVMO Card is particularly useful for everyday and lifestyle spending, with 10% cashback on Dining and Online Food Delivery, 8% cashback on Travel and Entertainment, and 3% cashback on Transport, Supermarkets, Online Purchases, Hospitals, and Veterinary & Pet expenses.
- For Dining and Online Food Delivery, you can earn 10% cashback at eligible restaurants, cafes, fast food restaurants and online food delivery platforms, while Travel and Entertainment spending can earn 8% cashback.
- The card also covers plenty of everyday expenses, including groceries, public transport, online shopping and hospital bills, making it a useful option if you can consistently meet the S$800 minimum spend per Billing Cycle.
| MCC | Category | Earn Rate | Eligible Categories | Cashback Cap | Maximum Spend | Exclusions / Notes |
|---|---|---|---|---|---|---|
| 5812, 5814 | Dining & Online Food Delivery | 10% | Restaurants, cafes, fast food restaurants and online food delivery | S$25 / Billing Cycle | S$250 | Excludes food & beverage spend within hotels and wedding banquets held in hotels |
| 4722 | Travel – Online Travel Agencies | 8% | Online Travel Agencies | S$25 / Billing Cycle | S$312.50 | Subject to general exclusions |
| — | Travel – Malaysia & Indonesia In-store Spend | Physical card transactions in Malaysia & Indonesia charged in MYR or IDR | Excludes Dynamic Currency Conversion, online foreign-currency transactions and mobile wallet/app-based payments | |||
| 4899, 5815, 7922 | Entertainment | Pay TV/streaming, digital media, books, movies, music and ticket agencies/theatrical producers | MCC 7922 excludes Motion Pictures | |||
| 4111, 4121 | Transport | 3% | Public buses, MRT via SimplyGo, limousines, taxis and ride-hailing | S$25 / Billing Cycle | S$833.33 | SimplyGo top-ups excluded |
| 5411 | Supermarkets | Major supermarkets and hypermarkets globally | Subject to general exclusions | |||
| — | Online Purchases | Eligible online transactions processed through Visa/Mastercard networks | Subject to general exclusions | |||
| 8062 | Hospital | Hospitals in Singapore | Only transactions with MCC 8062 qualify for 3% | |||
| 0742, 5995 | Veterinary & Pet | Veterinary services, pet shops, pet food and supplies in Singapore | Only transactions under MCC 0742 and 5995 qualify |
What to Avoid:
Exclusion List:
| MCC | Excluded Categories |
|---|---|
| 4111 | Local and Suburban Commuter Passenger Transportation, Including Ferries (SimplyGo Top Up) |
| 4784 | Tolls and Bridge Fees |
| 4814 | Telecommunication Services, including Local and Long-Distance Calls, Credit Card Calls, Calls Through Use of Magnetic-Stripe-Reading Telephones, and Fax Services |
| 4829 | Wire Transfer Money Orders (WTMOs) |
| 4900 | Utilities – electric, gas, water and sanitary |
| 5047 | Medical, Dental, Ophthalmic and Hospital Equipment and Supplies |
| 5199 | Nondurable Goods (Not Elsewhere Classified) |
| 5262 | Marketplaces (only for Shopee Pay) |
| 5965 | Direct Marketing – Combination Catalog and Retail Merchants |
| 5993 | Cigar Stores and Stands |
| 6010, 6011, 6012 | Member Financial Institution – Manual Cash Disbursements / Automated Cash Disbursement / Merchandise and Services |
| 6050 | Quasi Cash – Financial Institutions, Merchandise, Services |
| 6051 | Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (e.g. Cryptocurrency), Money Orders (Not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques and Debt Repayment |
| 6211 | Securities – Brokers and Dealers |
| 6513 | Real Estate Agents and Managers |
| 6529, 6530, 6534, 6540 | Payments of funds to prepaid accounts and/or merchants categorised as “payment service providers” |
| 7273 | Dating and Escort Services |
| 7349 | Cleaning, Maintenance and Janitorial Services |
| 7372 | Computing Programming, Data Processing, and Integrated Systems Design Services |
| 7399 | Business Services (Not Elsewhere Classified) |
| 7511 | Quasi Cash – Truck Stop Transactions |
| 7523 | Parking Lots, Parking Meters and Garages |
| 7995 | Betting including Lottery Tickets, Casino Gaming Chips, Off-Track Betting and Wagers at Race Tracks |
| 8211, 8220, 8241, 8244, 8249, 8299 | Schools – Elementary and Secondary; Colleges, Universities, Professional Schools and Junior Colleges; Correspondence Schools; Business and Secretarial Schools; Trade and Vocational Schools; Schools and Educational Services – Not Elsewhere Classified |
| 9211 | Court Costs, Including Alimony and Child Support |
| 9222 | Fines |
| 9223 | Bail and Bond Payments |
| 9311 | Tax Payments |
| 9399 | Government Services – Not Elsewhere Classified |
| 9402 | Postal Services – Government Only |
| 9405 | Intra-Government Purchases – Government Only |
| 8398, 8661 | Charitable / Religious Organizations |
| 8651 | Political Organizations |
| 8699 | Organizations, Membership – Not Elsewhere Classified (Labor Union) |
| 8999 | Professional Services (Not Elsewhere Classified) |
Examples of Excluded Merchants
| Category | Examples |
|---|---|
| Government Institutions / Services | ACRA, CPF, HDB Season Parking, ICA, LTA, MOM, Town Council, URA, Parking.sg |
| Financial Institutions / Services | CardUp, FOREX.COM, helloPay, IG Markets, ipaymy, MatchMove Pay, Moneybookers.com, OANDA Pacific, Saxo Cap Markets, Swiss Money Transfer |
| Money Transfer and Remittance Services | MoneyGram, Swiss Money Transfer, Western Union, Wise, WorldRemit, Instarem, Remitly |
| Utility Bill Payments / Other Payments | SP Services, AXS, SAM payments |
| Prepaid Accounts and Payment Service Providers | EZLINK (FEVO), EZLINK (IMAGINE), TransitLink, NETS FlashPay, SingTel Dash, YouTrip, GrabPay Top Up, MatchMove Pay, HelloPay, ShopeePay, SimplyGo Top Up, Lazada Wallet Top-Up, Amaze Wallet Top-Up |
| Cleaning, Maintenance and Janitorial Services | Helpling, Sendhelper, UrbanCompany |
Is it Worth it:
Advantages:
High 10% cashback on dining and online food delivery, one of the highest rates among the eligible categories
Insurance payments earn 1% cashback, giving the card coverage across a wider range of expenses
Broad range of eligible categories makes it useful for everyday and lifestyle spending
Disadvantages:
S$25 cashback cap per cashback group limits the amount of cashback you can earn. Also, the cashback caps are shared across categories, so spending across multiple categories within the same group does not give you a separate S$25 cap for each
Frequently Asked Questions:
When is Cashback credited: It will be credited into the card account in the next billing cycle. And will be reflected on the monthly statement.
Final Thoughts:
In summary, this card is a good option for everyday and lifestyle spending, with up to 10% cashback on dining and online food delivery, 8% on travel and entertainment, and 3% on categories such as groceries, online purchases, transport and hospital bills. The addition of 1% cashback on insurance payments is also a useful bonus, especially for cardholders with regular insurance expenses. For hospital bills under MCC 8062, you can still earn 3% cashback, with an ideal spend of S$833.33 to maximise the S$25 cashback cap. For a more detailed breakdown, check out my post on the best cards for hospital bills.
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