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BEA Credit Cards
Enjoy welcome offers dining, travel, shopping, entertainment rewards and more with BEA's exciting range of credit cards.
The Bank of East Asia offers almost every type of credit card making it easy to choose a credit card that suits your requirements perfectly. You can also collect BEA Bonus Points on most transactions.
Hong Kong’s largest independent local bank, BEA features several co-branded and affinity cards that offer benefits with local institutions. Compare the range here and apply for the card that enhances your lifestyle.
Finder does not currently have access to this credit card provider. Please review the product details, application criteria and terms and conditions on the provider website if you are considering applying for this product.
Types of BEA credit cards
You will find both cash rebate rewards and travel rewards in the range of BEA cards. All five major credit card networks are present in the BEA range, and you can even save on foreign exchange fees with a dual currency card. All cards come with unique perks and benefits so have a close look before you make your choice.
Everyday use card
The BEA Platinum Card is issued as a Visa or a Mastercard and benefits from entertainment privileges and merchant offers all through the year. Every card is eligible for earning Bonus Points which you can redeem from the Bonus Gallery which features a range of products.
Cash rebate cards
Choose from striking colours when you apply for the BEA i-Titanium Card. This card gives you additional cash rebates when you shop online, featuring a 3% i-Dollar rebate for all online spending. You receive HK$1 in cashback on your account for every HK$250 in spending. There is also a range of online merchant offers you can take advantage of.
Take advantage of travel offers and perks as well as leisure benefits and discounts by applying for the BEA Visa Signature Card. You receive 6 X the standard Bonus Points when you dine out, while overseas spend gets you 4 X Bonus Points. If you meet minimum spend requirements your annual fee will be waived on this exclusive Visa Signature card.
Travel benefits cards
Frequent travellers should consider the BEA Flyer World Mastercard which allows you to turn your everyday payments into Asia Miles. There are regular promotional periods on the card which include sign-up bonus miles. Or choose the BEA World Mastercard for exclusive travel privileges, including discounts on airport transfers and an enhanced Asia Miles earnings rate.
Dual currency cards
For a credit card with both a Hong Kong dollar and a renminbi credit account consider the BEA UnionPay Dual Currency Platinum credit card. A dual currency card can lead to significant savings when travelling to mainland China as BEA waives foreign exchange conversion fees when you are paying in renminbi. You still receive all the BEA rewards on your local spending, including merchant offers around the year.
BEA has many partnerships with associations and institutions, and each affinity card comes with a unique set of benefits. For example, you can take advantage of a flexible repayment plan for tuition fees with the Hong Kong Management Association Mastercard while earning double points on your association fees.
Educational institution cards
Whether you are a student or a graduate a BEA university credit card leads to substantial benefits and discounts. Covering a range of institutions, the BEA institutional cards include discounts on library and gym membership, free cinema tickets and higher cash rebate rates depending on the exact card you apply for. You need to be a current student or alumni of the institution to apply.
Manage your corporate expenses with a BEA Corporate Card and earn a 1% cash rebate on all your credit card spend. This card includes access to the Mastercard smartdata.gen2 system which allows for easy and sophisticated management of corporate card usage. Your company will receive individual card statements for each cardholder and a consolidated statement of the entire corporate account.
What benefits can I get with a BEA credit card?
Bonus Points or cash rebates on your card use
Almost every BEA credit card offers you either Bonus Points or a cash rebate on your credit card use. For every eligible Hong Kong dollar you spend, you will receive Bonus Points which you can exchange for a range of goods and services or for a percentage rebate on your statement. Some BEA cards allow you to convert your Bonus Points into Asia Miles.
Contactless and mobile payments
Use contactless payment on your Visa or Mastercard from BEA to quickly and easily complete transactions. You can also enrol your qualifying BEA credit card with Apple Pay or Android Pay to make quick and easy payments without carrying your credit card.
Interest-free instalment option
BEA has teamed up with a range of merchants to offer you interest-free instalments on selected goods and services, including electrical goods and appliances, travel and jewellery and watches. You can repay purchases over a maximum of 48 months and won’t be charged interest during this period, as long as you keep to the terms and conditions.
As a member of the GlobePass Alliance, BEA can offer its credit card holders special overseas offers and benefits. These include free beverages and discounts at participating restaurants and special discounts at participating stores.
Year-round offers for BEA card holders
With your BEA credit card, you qualify for a range of exciting offers throughout the year. BEA has negotiated discounts at retailers and restaurants around Hong Kong so you can save on shopping and dining out, as long as you pay with your BEA credit card.
How can I apply for a BEA credit card?
You have a wide choice of credit cards at BEA. Compare the different offers and think about which set of benefits would be most valuable to you. If you’re a frequent flyer, you might get more advantages from a card that allows you to earn Asia Miles. For others, a simple cash rebate could be the best option. Once you’ve reviewed your options click the green “Go to Site” button and you’ll be directed to the secure application process.
- Age. To apply for a BEA credit card you need to be at least 18-years-old when you’re applying.
- Residential status. Only residents of Hong Kong can apply for a credit card at BEA Hong Kong. Foreigners who are resident in Hong Kong can also apply.
- Income requirements. The income requirements for BEA cards are different and start at HK$40,000 per annum. The BEA Visa Signature card has a minimum income requirement of HK$240,000.
- Other requirements. Note that triggering the “Welcome” offer on some cards may result in minimum spending requirements. For example a minimum spend of HK$10,000 within two months of the account opening is required to trigger the cash rebate on the Visa Signature card.
- Credit history. You won’t qualify for a BEA credit card if you’ve recently been declared bankrupt. The bank will also consider your current credit arrangements and your ability to repay existing debt.
Necessary documents and information
- Proof of identification. You need to supply a copy of your HKID card. Foreigners who are not permanently resident in Hong Kong will also need to supply a valid Hong Kong visa and a valid passport. Existing BEA customers don’t need to provide proof of identification.
- Documents supporting your income. BEA will require one of the following four groups of documents as proof of income: Your latest Income Tax Demand Note or payslip with your name visible; bank statements showing your name and salary payments for the most recent three months; your business registration certificate and tax return if you’re a sole proprietor or partner of a business; and finally you could provide proof of assets if you’re retired.
- Proof of residence. If you’re not an existing BEA customer you need to supply an English-language proof of residence which could be a utility bill, bank statement or a letter issued by a bank.
BEA offers a wide range of cards, but you should also consider other credit card providers and compare similar products to ensure the BEA card you pick is the best choice for you. Your application will take about 10 working days if you decide to apply.
What supporting documents and information will I need?
By following standard credit application procedures, BEA will require you to submit identification including your Hong Kong ID or your passport. You will also need proof of your income and your address. Existing BEA customers can follow a quicker application process, skipping many of the documentation requirements.
Frequently asked questions about BEA credit cards
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