Note: As the founders of WhatCard, our users often ask us what credit card we ourselves use. Hence, we decided to start this new weekly credit card feature where we will be taking turns to share about a card that we ourselves own/use and talk about how we use it and potential limitations. Share with us in the comments below which card you would like us to feature for next weeks #WCOTW!

This is not a sponsored post, and all opinions are from the WhatCard team’s personal experiences with the card

Key Features:

Annual Fee: $190/year, first year waived Earn rate: 1.5mpd on all local spend, 3mpd on all overseas spend Minimum age: 21 Minimum income: $30,000/year

This Bank of China (BOC) credit card category belongs to the generic spend miles card, which includes DBS Altitude, Citi Premier Miles Card and OCBC 90°N. Expanding on an earlier analysis that