Best BEA Credit Cards Hong Kong

Updated June 2019

Choosing a credit card that best fits you is overwhelming, but MoneySmart.hk will help you pick out a good BEA credit card to complement your spending habits. From latest welcome offers, best cash back to air miles promotions, we've compared and reviewed those best credit cards in Hong Kong for you.

BEA i-Titanium Card
BEA i-Titanium Card

HK$40,000

Min. Annual Salary

4.8%

Cash back on local spend

N.A.

Miles Conversion (local spend)

Promotion: Welcome offer: HK$500 Cash Rebate / HK$500 HKTVmall Gift Voucher & 5-day Birdie Travel SIM
Best for: Online shopping and cash rebate lovers

Pros

  • Up to 7.8% i-Dollar rebate on online spending
  • Enjoy extra 4.4% rebate on selected category on “BEA Days” every day when you have accumulated spending of HK$1,000 in any month
  • Minimum annual income requirement is HK$40,000
  • Simple approval conditions which students can also apply

Cons

  • No CashBack on e-banking payment
BEA Visa Signature Card
BEA Visa Signature Card

HK$240,000

Min. Annual Salary

4.8%

Cash back on local spend

N.A.

Miles Conversion (local spend)

Best for: Those who frequently spend on dining and local merchants in Hong Kong

Pros

  • Up to 6.8% rebate at all dining outlets in Hong Kong (Including unlimited 6X Bonus Points, which is extra 2.4% rebate)
  • Up to 6.0% reabte for all overseas spending (Including unlimited 4X Bonus Points, which is extra 1.6% rebate)
  • Reach the designated spending amount for any calendar year with your BEA Visa Signature Card, will be entitled to free 7-day family travel insurance plans in the following year
  • 20% off on MCL/ UA Cinemas movie tickets
  • Enjoy extra 4.4% rebate on selected category on “BEA Days” every day when you have accumulated spending of HK$2,000 in any month

Cons

  • No Bonus Points will be offered for selected online bill payments
  • No Bonus Points will be offered for purchases and/or adding value to stored-value cards or e-Wallets (except PayMe/ Octopus Automatic Add Value Service)
  • No extra 0.6 Points for PayMe/ Octopus Automatic Add Value Service
  • Points can't convert to Asia Miles
BEA Flyer World Mastercard
BEA Flyer World Mastercard

HK$240,000

Min. Annual Salary

N.A.

Cash back on local spend

HK$5 = 1 Mile

Miles Conversion (local spend)

Best for: Travel lovers for earning more Asia Miles with large spending

Pros

  • Extra 0.6 Points for local and overseas spending, HK$5 = 1 Mile
  • HK$5 = 1 Mile for utility fees' autopay
  • No handling fee for the conversion into miles
  • 20% off on UA/MCL cinemas

Cons

  • No Bonus Points will be offered for selected online bill payments
  • No Bonus Points will be offered for purchases and/or adding value to stored-value cards or e-Wallets (except PayMe/ Octopus Automatic Add Value Service)
  • No extra 0.6 Points for PayMe/ Octopus Automatic Add Value Service
BEA UnionPay Dual Currency PLATINUM Credit Card
BEA UnionPay Dual Currency PLATINUM Credit Card

$40,000

Min. Annual Salary

N.A.

Cash back on local spend

N.A.

Miles Conversion (local spend)

Best for: Frequent travellers to China, who would enjoy good currency exchange rates between HKD and RMB

Pros

  • No charge on oversea spending
  • 2X points on local spending (0.8% rebate) and 3X points on dining (1.2% rebate)
  • Annual fee waiver

Cons

  • No rebates on insurance and tuition fee if pay by e-banking
  • Have Dynamic Currency Conversion charges
  • No airport lounge access
All results loaded

Best BEA Credit Cards in Hong Kong 2019

Credit CardAnnual FeeBenefits
BEA Visa Signature CardHK$1,8006X Bonus Points at dining outlets
BEA Platinum CardHK$1,500Year-round Merchant Offers
BEA Flyer World MastercardHK$1,800No handling fee for miles conversion

How to Apply for a BEA Credit Card

In order to apply for a BEA credit card, applicant is required to complete the online application form and submit supporting documents which include identification document, income proof (except for student applicants applying for student credit cards) and address proof either online or via the BEA app. Please note that documents submitted will not be returned.

Identification Document

Identity proof can be a copy of your HKID Card or valid passport issued by place of origin. If you are a non-permanent resident, Hong Kong visa is also required. Please ensure you write your identity document no. and sign on the blank area of your identification document copy. Student applicants applying for student credit cards are required to submit Student ID card copy.

Income Proof

Applicants with monthly salary is required to submit the latest Income Tax Demand Note or salary slip for the past month or bank statements/ passbook records for the last 3 months as income proof. If you are a housewife or retiree, proof of assets are accepted. Please ensure you write your identity document no. on the blank area of the submitted copy.

Residential Address Proof

Please submit utility bill, bank/ credit card statement or bank-issued letter in English within the past 3 months as address proof. Please ensure you write your identity document no. on the blank area of the submitted copy.

BEA Credit Card Hotline

You can call our 24-hour credit card hotline at 3608 6628. Please follow this shortcut key 2> 3>*> 8 to speak to a customer service representative. If you would like to request annual fee waiver or report credit card loss, please use 2> 3>*> 3 >1 or 2 > 6 instead.

BEA Credit Card Promotions and Offers

BEA offers year-round discounts covering a wide range of spending categories from dining, shopping to lifestyle. Cardholders can also sign up for BEA Days to enjoy up to 11X bonus points.

Year-Round Credit Card Offers

With BEA credit cards, cardholders can enjoy a full range of discounts when spending at participating merchants such as Royal Plaza Hotel, Royal Park Hotel, Harbour Plaza 8 Degrees, 3DG Jewellery, and more.

BEA Days Promotion

BEA cardholders need to sign up online first before enjoying 11X bonus offers. If you spend HK$500 or more in town in selected categories which include dining/ retail/ online transactions at weekends, you can enjoy 11X Bonus Points. What’s more, you can enjoy 11X Bonus Points anytime for spending HK$500 in any categories overseas. Cardholders even enjoy 10% rebate with mobile payments at participating fast food and coffee shop.

BEA Credit card Frequently Asked Questions

Can You Make a Tax Payment with a BEA Credit Card?

Yes, you can. BEA may offer exclusive tax payment offers during tax season. Please note that BEA doesn't offer bonus points for tax payment.

How to Redeem BEA Credit Card Points?

You can redeem your BEA points either by logging in your BEA account or via redemption hotline at 3608 6660.

How Can You Settle BEA Credit Card Payments?

There are many ways to settle your card payments which include via BEA branches, autopay, PPS, BEA and JETCO ATMs, etc.