Best BEA Credit Cards in Hong Kong

Updated October 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.

Popular BEA Credit Cards

BEA Visa Signature Card

HK$240,000

Min. Annual Salary

4.8%

Cash back on local spend

N.A.

Miles Conversion (local spend)

Key Features

  • 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)
  • 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
  • Annual fee waiver

Annual Interest Rate and Fees

Annual Interest Rate36.43%
Principle Annual FeeHK$1,800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentHigher of HK$50 or 1% of monthly balance
Interest Free Period56days

Minimum Income Requirements

Local ResidentHK$240,000
ForeignerHK$0

Other

Card AssociationVisa
Wireless PaymentVisa PayWave
BEA i-Titanium Card

HK$40,000

Min. Annual Salary

4.8%

Cash back on local spend

N.A.

Miles Conversion (local spend)

Key Features

  • Choose from 4 colours of card
  • 10% off on MCL and UA Cinemas movie tickets
  • Discounted offer on multiple travel websites
  • Welcome students to apply

Annual Interest Rate and Fees

Annual Interest Rate36.43%
Principle Annual FeeHK$600
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentHigher of HK$50 or 1% of monthly balance + fees
Interest Free Period56 days

Minimum Income Requirements

Local ResidentHK$40,000
ForeignerHK$0

Other

Card AssociationMastercard
Wireless PaymentMastercard PayPass
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)

Key Features

Annual Interest Rate and Fees

Annual Interest Rate36.43%
Principle Annual FeeHK$1,800
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly RepaymentHigher of HK$50 or 1% of monthly balance
Interest Free Period56days

Minimum Income Requirements

Local ResidentHK$240,000
ForeignerHK$0

Other

Card AssociationMastercard
Wireless PaymentMastercard PayPass
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)

Key Features

  • Foreign currency transaction fee = No fee
  • Cashback on overseas spending = 0.40%
  • Air Miles (Overseas) = N/A

Annual Interest Rate and Fees

Annual Interest Rate36.43%
Principle Annual FeeHK$600
Supplementary Annual FeeN/A
Fee WaiverYes
Minimum Monthly Repayment1% of monthly balance + fees
Interest Free PeriodUp to 56 Days

Minimum Income Requirements

Local ResidentHK$40,000
ForeignerHK$40,000

Other

Card AssociationUnionPay
Wireless PaymentN.A.
All results loaded

Best BEA Credit Cards in Hong Kong 2019

BEA Credit CardMinimum IncomeBenefits
BEA Visa Signature CardHK$240,0006X Bonus Points at dining outlets
BEA UnionPay Dual Currency Platinum Credit CardHK$40,000Year-round Merchant Offers
BEA Flyer World MastercardHK$240,000No handling fee for miles conversion
BEA i-Titanium CardHK$40,000Up to 7.8% i-Dollar rebate on online spending

How to Apply for a BEA HK Credit Card

In order to apply for a BEA credit card, the 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 a student ID card copy.

Income Proof

Applicants with monthly salary are 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 is 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.

What Makes BEA Credit Cards Stand Out

BEA Flyer World Mastercard

BEA Flyer World Mastercard is designed for collecting Asia Miles. It is best for frequent travellers with large spending:

  • High earning ratio of HK$5= 1 Asia Mile (applicable to utility bill autopay) with no minimum spending requirements
  • No handling fee is required for mile conversion
  • Entitled to the exclusive privileges of World Mastercard

BEA Visa Signature Card

BEA Visa Signature Card is suitable for frequent diners and shoppers in Hong Kong:

  • Up to 6.8% rebate at all restaurants in Hong Kong and up to 6.0% rebate for all overseas spending.
  • Enjoy extra 4.4% rebate on the selected category on "BEA Days" every day for accumulated spending of HK$2,000 in a month

BEA i-Titanium Card

BEA Visa Signature Card is suitable for frequent diners and shoppers in Hong Kong:

  • Up to 6.8% rebate at all restaurants in Hong Kong and up to 6.0% rebate for all overseas spending.
  • Enjoy extra 4.4% rebate on the selected category on "BEA Days" every day for accumulated spending of HK$2,000 in a month

BEA HK Credit Card Hotline

You can call BEA 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 an 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.