Bank of China (BOC) Time Deposits PLUS Promotion

Enjoy high interest rates for fresh funds with Bank of China on SGD and RMB Time Deposits with tenors of 6 to 15 months.


For SGD Time Deposits

Tenor	Promotional Rates for SGD (p.a.)
	First Cycle	Second Cycle
3 + 3 months	1.64%	1.68%
3 + 6 months	1.64%	1.70%
3 + 9 months	1.64%	1.74%
6 + 9 months	1.68%	1.76%

For RMB Time Deposits

Tenor	Promotional Rates for RMB (p.a.)
	First Cycle	Second Cycle
3 + 3 months	3.70%	3.85%
3 + 6 months	3.70%	4.00%
3 + 9 months	3.70%	4.10%
6 + 9 months	3.78%	4.25%

Promotion is valid till 31 March 2015.


Please refer to the website for more details.

Bank of China (BOC) Time Deposit Promotion

Enjoy high interest rates on time deposits only for new or existing Prestigious Wealth Management Unit (“PWMU”) clients with fresh funds no less than SGD1,000,000 in Singapore dollars currency.

Currencies	SGD	USD	RMB
Promotional rates*-%p.a.	1.60%	1.25%	3.78%
Tenor	12-month	6-month	6-month
Min Deposit Amount (SGD)	1,000,000	250,000	10,000

Welcome Gift
New PWMU clients can enjoy attractive rates and receive S$500 Takashimaya Shopping Vouchers at the same time.


Promotion is valid till 31 March 2015.


Please refer to the website for more details.

Bank of China (BOC) Multi-Currency Savings Account Promotion - Up to 1.60% Interest

Enjoy high prevailing interest rates and receive bonus interest upfront with our BOC Multi-Currency Savings Account (SGD) with fresh funds deposit.

Deposit Amount (SGD)	Prevailing Interest Rate (p.a.)	Upfront Bonus Interest Rate (p.a.)	Total Interest Rate (p.a.)
$50,000 to $99,999	0.40%	1.10%	1.50%
$100,000 to $999,999	0.48%	1.10%	1.58%
$1,000,000 and above	0.48%	1.13%	1.60%

Please refer to the website for more details.

Bank of China (BOC) RMB Time Deposit Promotion

Enjoy promotional interest rates and receive free gifts with RMB Time Deposits with Bank of China. Limited to fresh funds of RMB 3,000 and above only.

Deposit Amount	Promotional Interest Rates - % p.a.
(RMB)	3-Month	6-Month	9-Month
3,000 and above	3.00%	3.20%	3.30%

Deposit Amount	Promotional Interest Rates for	Free Gift
(RMB)	12-Month Tenor - % p.a.
3,000 to 49,999	3.50%	A Limited Edition Plush Panda
50,000 to 1,999,999		A Travel Adaptor
2,000,000 and above		S$50 Takashimaya Shopping Voucher

Promotion runs from 20 January 2015 for a limited time period only.

Please refer to the website for more details.

Point to note is that Bank of China is offering higher interest rates for RMB time deposits than Industrial and Commercial Bank of China (ICBC) Bank in this promotion.

Bank of China (BOC) Lunar New Year SGD Time Deposit Promotion

Usher in the Lunar New Year with high promotional rates plus attractive shopping vouchers with Bank of China's SGD Time Deposits of S$50,000 and above.

Deposit Amount (SGD)	Tenor	Promotional Rates	Promotional Gifts
		(p.a.)
$50,000 to $199,999	9-month	1.38%	-
	12-month	1.38%	S$50 Shopping Voucher
	36-month	1.43%	S$400 Shopping Voucher
$200,000 and above	9-month	1.39%	-
	12-month	1.39%	S$300 Shopping Voucher
	36-month	1.45%	S$1,600 Shopping Voucher

Promotion period is from 26 January 2015 for a limited time period only.

Please refer to the website for more details.

Bank of China RMB and SGD Time Deposits Promotion

Bank of China is offering one of the best rates in town for individual customers with fresh funds placed with the bank.

 Enjoy up to 3.30% p.a. on RMB Time Deposits*.

Deposit Amount	Tenor (p.a.)
(RMB)	3-Month	6-Month	9-Month	12-Month
50,000 to 1,999,999	2.65%	2.85%	3.05%	3.25%
2,000,000 and above	2.80%	3.00%	3.10%	3.30%

For SGD Time Deposits, you can enjoy a high interest rate of 1.25% p.a.

Deposit Amount (SGD)	8-Month Tenor (p.a.)
$80,000 to $250,000	1.25%

* For 12-Month RMB Time Deposits, receive a pair of limited edition Plush Pandas or a Travel Adaptor with a minimum deposit of RMB 50,000 or a $50 Takashimaya shopping voucher with a minimum deposit of RMB 2,000,000. Promotion is limited to one gift per eligible customer, while stocks last.

Please contact the bank directly for more details.

Bank of China RMB Time Deposit Promotion

Enjoy high promotional rates and receive free gifts for RMB Time Deposits (Fresh Funds) placed with Bank of China from 24 October for a limited time period only. Please refer to the tables below for the various tenors and interest rates.

Deposit Amount	Promotional Interest Rates - % p.a.
(RMB)	3-Month	6-Month	9-Month
50,000 to 1,999,999	2.65%	2.85%	3.05%
2,000,000 and above	2.80%	3.00%	3.10%

 

 

Deposit Amount	Promotional Interest Rates for 12-Month Tenor - % p.a.	Free Gift
(RMB)
50,000 to 1,999,999	3.25%	A Pair of Limited Edition Plush Panda OR Travel Adaptor
2,000,000 and above	3.30%	S$50 Takashimaya Shopping Voucher

Please refer to the website for more details.

Bank of China 8-Month SGD Time Deposit Promotion

Enjoy high promotional interest rates with Bank of China from 3 November for a limited period only for fresh funds placed with them.

Deposit Amount (SGD)	Interest Rate for 8-Month Tenor*
$80,000 to $250,000	1.25% p.a.

Please refer to the website for more details.

Best Student Credit Cards 2014

As a tertiary student above 18 years of age or as a young working adult who earns between S$18,000 and S$30,000, you will be given a credit limit of S$500 if you apply for any of the following cards. As this is probably your first credit card, the more you know the better. Having a credit card is good, as it allows you to track your daily spending and ensures that you don't overspend. Most importantly, do remember to pay your card bills in full to avoid any late charges and interest charges. Banks grant these micro credit cards in a bid to gain customer loyalty from a young age.

Manhattan $500 Card

Get 0.25% cashback on all retail spending. You get first year annual fees waiver of S$30 when you apply for one. You also get to enjoy discounts at Manhattan Fish Market, McDelivery and Pizza Hut. Click here to Apply Now and we will direct you to the official card issuer's website.

Citibank Clear Card

Exclusive party privileges at Zouk with free entries to Zouk, Phuture and Velvet Underground-Dance on Wednesday, Friday and Saturday. Enjoy 1-for-1 drinks at Wine Bar and Velvet Underground-Dance on certain days. Enjoy best student movie deals at S$5 and 150 pairs of free movie tickets each month at The Cathay Cineplex and Cathay Cineplex Cineleisure Orchard. Redeem a pair of movie tickets every month with min. spend of S$30 on your Citibank Clear Card. Earn 10% Citi Rebate at Starbucks and 5% Citi Rebate at Burger King. Get a Lomography Camera – Fisheye Baby 110 Metal when you apply for a Citibank Clear Card. Click here to Apply Now and we will direct you to the official card issuer's website.

Maybank eVibes Credit Card

Enjoy 1-for-1 deals on movie tickets at Cathay Cineplexes (limited to 260 redemptions per month) and food treats at Popeye Louisiana Kitchen (limited to 250 redemptions per month). Every S$1 spend at Qoo10, Groupon and iTunes gives you additional 1 TREATS Point. Apply now and enjoy 2 years fee waiver and receive a stylish adidas wristwatch worth S$120. Quarterly service fee of S$5; waived when you charge to your Card once every 3 months. Click here to Apply Now and we will direct you to the official card issuer's website.

CIMB Classic MasterCard

No annual fees are charged for this card. With the cross border CIMB Bank Smart Rewards Programme, you will enjoy exclusive offers, discounts and privileges at over 1,000 estblished merchant outlets in Singapore, Malaysia and Indonesia every day, all year long. Click here to Apply Now and we will direct you to the official card issuer's website.

BOC First Card

Earn 0.5% cash rebate subject to a maximum spend of $500 and receive 1-for-1 treats at Cathay Cineplexes for Movie Tickets, Scoop of Häagen-Dazs ice cream or regular-sized The Coffee Bean & Tea Leaf Cafe Latte, limited to first 200 redemptions per month. Enjoy up to 50% privileges ranging from beauty and retail to dining and entertainment and to online shopping. With your BOC F1RST Card, you will receive Welcome Vouchers from popular merchants such as Faire Belle, Genie in a Closet, Her Velvet Vase, Gloria Jean's Coffees, Swensen's, L'Etoile Café, PrettifyMe, The Body Shop and more! Sign up now and be the first 2,000 new-to-bank customers who apply for BOC F1RST Card by 31 October 2014 and charge any amount to the card within one month from the date of card approval and receive a complimentary Adventure Cove Waterpark™ One-Day Adult Pass (Worth S$36). There is also a 2-year annual fee waiver. Click here to Apply Now and we will direct you to the official card issuer's website.

That's all for the 5 cards that are available in the market. Some offer pretty attractive freebies if you sign up with them. Which ones are your favourite? You can write in and share your actual user experience with us.

Bank of China SGD Time Deposit Promotion

From 2 July 2014 for a limited time period only, enjoy high promotional interest rates for 6-month and 9-month tenor as indicated below. Valid for fresh funds only.

Min. Deposit Amount (S$)	Interest Rate for 6-Month Tenor*	Interest Rate for 9-Month Tenor*
S$20,000 to S$49,999	1.15% p.a.	1.20% p.a.
S$50,000 to S$99,999	1.25% p.a.	1.28% p.a.
S$100,000 and above	1.30% p.a.	1.35% p.a.

*Rates are indicative only.

Please refer to the website for more details.

Bank of China Multi-Currency Savings Account Promotion

From 6 June for a limited period only, depositors with fresh funds of at least S$20,000 get to enjoy up to 1.375% p.a. promotional interest rates and receive bonus interest upfront.

For deposit amounts of S$20,000 to S$49,999, prevailing interest rates (0.35% p.a.) plus bonus interest rates (0.90% p.a.) are 1.25% p.a.

For deposit amounts of S$50,000 to S$99,999, prevailing interest rates (0.4% p.a.) plus bonus interest rates (0.90% p.a.) are 1.3% p.a.

For deposit amounts of S$100,000 and above, prevailing interest rates (0.475% p.a.)  plus bonus interest rates (0.90% p.a.) are 1.375% p.a.

Do note that funds will be earmarked for 12 months and BOC will deduct the bonus interest paid upfront if there are any premature withdrawals.

Please refer to the website for more details.

Bank of China SGD 12-month Time Deposit

Bank of China is offering up to 1.2% p.a. for SGD time deposits from 18th February 2013 for a limited period only. Only fresh funds are eligible for these rates.

For amounts from $50,000 to $199,999, the interest rate is 1.16% p.a.
For amounts from $200,000 to $499,999, the interest rate is 1.18% p.a.
For amounts above $500,000, the interest rate is 1.20% p.a.

Please refer to the website for more details.