The BOC Elite Miles Card has an annual tradition of running an absolutely insane promotion that briefly makes everyone forget what a pain it is to deal with.
In 2024, it offered an uncapped 7-8 mpd on overseas, online, dining and SIA Group spend, followed up in 2025 with a similar deal offering up to 8.8 mpd on the same categories, though with a cap this time.
2026’s promotion — 50,000 miles for S$15,000 spend — turned out to be a bit of a dud, given that it was capped at just 50 cardmembers (yes, 50). But it looks like BOC is giving it a second try for SG61, because from now until 6 September 2026 — or whenever it decides to pull the promotion — the BOC Elite Miles Card will earn an uncapped 4 mpd on overseas dining, shopping and travel.
BOC Elite Miles Card uncapped 4 mpd promotion
From 7 August to 6 September 2026, BOC Elite Miles Cardholders will earn an uncapped 4 mpd on dining, shopping and travel spending in FCY, whether online or offline.
These transactions are defined by the following MCCs, and include air tickets, car rentals, hotels, travel agencies, restaurants, department stores and fashion boutiques.
| MCC | Description |
| 3000-3350 4511 |
Airlines, Air Carriers |
| 3351-3500 7512 |
Car Rental Agencies |
| 3501-3999 7011 |
Lodging: Hotels, Motels, Resorts |
| 4722 | Travel Agencies and Tour Operators |
| 5812 5813 5814 |
Eating Places, Restaurants Bars, Taverns, Nightclubs Fast Food Restaurants |
| 5311 | Department Stores |
| 5611-5699 | Apparel & Accessories Stores (Men’s, Women’s, Children’s, Family, Sports, Shoes) |
| 5944 | Jewelry, Watches & Silverware Stores |
The 4 mpd rate consists of:
- The usual reward of 14 BOC Points per S$1 on FCY spend (2.8 mpd)
- A bonus reward of 6 BOC Points per S$1 on eligible FCY spend (1.2 mpd)
No minimum spend is necessary. There is no cap on the maximum bonus that can be earned, nor the number of cardholders who can participate.
Supplementary cardholder spending will be aggregated with principal cardholder spending when awarding bonus points.
The BOC Elite Miles Card has a lower-than-usual FCY transaction fee of 3% (versus the market average of 3.25%), so spending overseas with a 4 mpd earn rate is equivalent to buying miles at 0.75 cents — quite compelling.
| ❓ Can I use Amaze? |
|
Amaze converts all transactions into SGD, and spending must be in FCY to qualify. |
Transaction date, not posting date
What’s nice about this promotion is that BOC is using the transaction date as the basis for determining eligible spend.
So even if you make a transaction on the final day of the promotion period, and it ends up posting after the promotion period has ended, that amount will still be eligible for the bonus.
| ❓Why do the T&Cs mention posting? |
|
It’s quite clear from Point 5(a) in the T&Cs that the transaction date is what BOC is using for this campaign. So why does Point 5(c) say that transactions must be “successfully captured, processed and posted”? All this means is that transactions must actually post in order to be counted. In certain situations, your card may be used for an authorisation hold that never actually gets used (e.g. a deposit for a rental car, or guarantee at a hotel). Obviously, these “transactions” will not earn any points. |
No registration required (but also no direct crediting)
During previous campaigns, BOC customers had to register to participate — but not in the way you might think.
Unlike similar offers run by other banks, where customers have to register before spending, BOC would instead send eligible customers an SMS requesting their KrisFlyer membership number. You then had a window of five days to reply, failing which your miles would be forfeited!
That was a potentially nasty gotcha, but the plus side was that the bonus miles would be credited directly to your KrisFlyer account.
This time round, registration is not required. While that’s one less thing to remember, the downside is that you’ll now incur conversion fees, and have to navigate BOC’s rather frustrating points redemption system.
BOC Points can be converted into KrisFlyer miles at a 5:1 ratio.
| Frequent Flyer Programme | Conversion Ratio (BOC Points: Miles) |
 |
50,000 : 10,000 |
However:
- A S$30.56 conversion fee applies to all transactions
- All conversions must be made in blocks of 10,000 miles
- You can only transfer a maximum of 100,000 miles in a single conversion
- Conversions require completing a PDF form and emailing it to the bank
- The expected conversion time is 14-21 working days (and unlike other banks, which underpromise and overdeliver, BOC really means it)
What’s particularly annoying here is that you must make an additional conversion request — and pay another S$30.56 — if you want to convert more than 100,000 miles. Why? Because BOC said so. There’s no real reason why this is necessary, other than to earn a little incremental revenue from cardholders.
When will the bonus be credited?
Cardholders will initially receive the regular BOC Points (14 BOC Points per S$1 for FCY spend) when the transaction posts.
The bonus BOC Points (6 BOC Points per S$1 for selected FCY spend) will be credited within 60 calendar days from the end of the promotion period, i.e. by 5 November 2026.
12-month lock-in period
Previous BOC Elite Miles promotions have had a “lock-in” clause, and this one is no different.
Clause 15 in the T&Cs states that if you cancel your card within 12 months of the end of the promotion period, i.e. before 6 September 2027, BOC can claw back the bonus points. Whether they actually enforce this, I don’t know, but it’s there in black and white. They can if they want to!
Terms & Conditions
The T&Cs for this promotion can be found here.
Will the promotion be pulled early?
What do BOC and Onan have in common? They both like to pull out early.
BOC doesn’t exactly have a stellar track record when it comes to seeing its promotions through to completion. In 2024, it pulled its uncapped 7-8 mpd promotion just two weeks into what was originally supposed to be a month-long run. In 2025, its 8.8 mpd promotion survived just two months of an advertised four-month campaign period.
Now, given that this promotion is “only” an uncapped 4 mpd, and limited to overseas spend on certain MCCs, I feel slightly more confident that this might actually be able to make it all the way through to the end.
Then again, it’s BOC, so who knows?
Conclusion
The BOC Elite Miles Card is offering an uncapped 4 mpd on overseas dining, shopping and travel spend for the next month, which could be very lucrative if you have overseas trips planned.
No registration is required, but it’s worth noting that unlike previous promotions, which directly deposited KrisFlyer miles into your account, this offer will be fulfilled in BOC Points. That means you’ll need to deal with BOC’s archaic points redemption system, though you should have known when applying that the bank wasn’t exactly on the cutting edge of technology adoption.
Let’s see if this one goes the distance!
