Cheers Visa Signature Card Calculator
Best for: Diners and travelers who spend over HK$5,000/month and want points flexibility without the high income requirement
View official detailsThe BOC Cheers Visa Signature Card is a mid-tier points-earning card that offers 8X Gift Points on local dining and foreign currency spending. Like its Infinite sibling, you must spend at least HK$5,000 per month in total to unlock the bonus rates, otherwise all spending earns only the 1X base rate. The 8X multiplier applies to the first HK$7,500 of local dining and HK$18,750 of foreign currency spending each month, with a combined maximum of 180,000 points. Points can be redeemed for cash at 250 points per HK$1, or converted to miles at 15 points per mile. This Signature tier is more accessible than the Infinite version, requiring only HK$150,000 annual income and carrying a lower annual fee of HK$2,000 (waived for the first year).
- 8X points on local dining (up to HK$7,500/month)
- 8X points on foreign currency spending (up to HK$18,750/month)
- Flexible redemption: cash (250:$1) or miles (15:1)
- Lower income requirement (HK$150,000/year) vs Infinite tier
- Lower annual fee (HK$2,000) vs Infinite tier
- Annual fee waived first year
- Visa Signature benefits
- Requires HK$5,000 monthly spending to unlock 8X rates
- Only 8X vs 10X on the Infinite version
- Lower caps than Infinite ($7,500 dining vs $10,000)
- Only 1X on non-dining/travel categories
- Spending beyond caps earns only 1X base rate
- 15:1 miles conversion is not the best rate available