There are five bonus interest categories you can choose from. None of these categories are mandatory. However, if you want to maximize the interest rate, you may want to fulfill any or all of these requirements. 1. Credit Spend: Spend at least S$500 on your Debit or Credit Cards during the calendar month Monthly Spend Bonus Interest Rate (p.a.) S$500 to S$1,500(exclusive) 0.30% S$1,500 and above 0.50%   2. Salary Crediting: Credit your salary to your BOC MCS Account to earn up to 0.50% p.a. This applies to your first S$80,000 of your MCS account balance only. Amount of Salary Bonus Interest Rate (p.a.) S$2,000 to S$6,000 (exclusive) 0.30% S$6,000 and above 0.50%   3. Payment: Pay a minimum of S$30 per bill from your BOC MCS Account. You can enjoy up to 0.30% p.a. bonus interest when you successfully complete 3 bill payments via GIRO or Online Banking/ Mobile Banking Bill Payment function. 4. Extra Savings Bonus: When your account balance is above S$80,000, you'll enjoy an additional 0.40% p.a. on top of the 0.20% p.a. prevailing interest rate. However, you need to fulfill any 1 of the requirements for Card Spend, Salary Crediting, or Payment bonus interest. 5. Wealth Bonus Interest: Earn up to 1.50% p.a. when you purchase eligible BOC wealth products. You can earn this wealth bonus interest for 12 consecutive months.