Best BEA Credit Cards in Hong Kong
Compare BEA Hong Kong credit cards to earn most air miles, cashback and welcome offers, apply through MoneySmart to get extra rewards!
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We found 3 BEA credit cards for you!
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【🏖️Summer Exclusive | Earn Extra HK$800 Vouchers!】
From 29 May until 30 June 2026, new BEA cardholders# who successfully apply for any designated BEA credit card using MoneySmart promo code "BEAMS", approved on or before 31 July 2026, and reach HK$800 or above in Eligible Spending^ within the first 30 days after card issuance (make at least one transaction by mobile payment^^), you can earn additional 🌟 HK$800 Apple Store Gift Card/ HK$800 ParknShop e-Vouchers! Including BEA welcome offer, you can earn up to HK$1,300 rewards!
Valid till 30 Jun 2026
【🏖️Summer Exclusive | Earn Extra HK$800 Vouchers!】
From 29 May until 30 June 2026, new BEA cardholders# who successfully apply for any designated BEA credit card using MoneySmart promo code "BEAMS", and reach HK$800 or above in Eligible Spending^ within the first 30 days after card issuance (make at least one transaction by mobile payment^^), you can earn additional 🌟 HK$800 Apple Store Gift Card/ HK$800 ParknShop e-Vouchers! Including BEA welcome offer, you can earn up to HK$1,300 rewards!
Valid till 30 Jun 2026
【🏖️Summer Exclusive | Earn Extra HK$800 Vouchers!】
From 29 May until 30 June 2026, new BEA cardholders# who successfully apply for any designated BEA credit card using MoneySmart promo code "BEAMS", and reach HK$800 or above in Eligible Spending^ within the first 30 days after card issuance (make at least one transaction by mobile payment^^), you can earn additional 🌟 HK$800 Apple Store Gift Card/ HK$800 ParknShop e-Vouchers! Including BEA welcome offer, you can earn up to HK$1,600 rewards!
Valid till 30 Jun 2026
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BEA Credit Card Guide: Rebates, Welcome Offers, Annual Fees, and Minimum Income Requirements at a Glance
BEA Credit Card Comparison: Annual Fees, Minimum Income Requirements, and Key Features
| Credit Card | Principal Card Annual Fee | Minimum Annual Income Requirement | Key Features |
|---|---|---|---|
| BEA GOAL Credit Card | HK$600 | HK$40,000 | High rebate rates on online shopping, mobile payments, entertainment spending, and local transport; enjoy priority booking for popular concert tickets. |
| BEA World Mastercard | HK$1,800 | HK$120,000 | Welcome offer of up to HK$500 cash rebate; up to 12.5X bonus points (equivalent to a 5% rebate) on designated daily spending, or as low as HK$5 = 1 Mile; features priority booking for popular concert tickets. |
| BEA UnionPay Dual Currency DIAMOND Credit Card | HK$1,800 | HK$120,000 | Dual currency in one card (featuring separate HKD and CNY accounts); welcome offer up to HK$400 + CNY400; up to 4.8% rebate on CNY spending, 4% on overseas foreign currency retail spending, and 1.2% at local dining outlets; also features priority booking for popular concert tickets. |
BEA Credit Card Rebate Rates
The table below outlines the rebate rates for various transaction categories across different BEA credit cards:
| Spending Category | BEA GOAL Credit Card | BEA World Mastercard | BEA UnionPay Dual Currency DIAMOND Credit Card |
|---|---|---|---|
| Local Dining Outlets | 0.4% rebate | Up to 5% rebate | 1.2% rebate (Total 3X bonus points) |
| Online Shopping / Mobile Payment | Up to 4.4% rebate | 0.4% rebate for HKD transactions; up to 5% rebate for foreign currency online shopping | 0.8% basic rebate; extra 0.4% rebate on eligible retail spending via the UnionPay App |
| Foreign Currency / Renminbi (CNY) Spending | 0.4% rebate | Up to 5% rebate | 4% rebate for HKD account; 4.8% rebate for Renminbi account |
| Other Designated Entertainment & Leisure Spending | Up to 5.4% - 6.4% rebate | 0.4% rebate | 0.8% rebate |
BEA GOAL Credit Card: Up to 6.4% Cash Rebate
For customers who love online shopping, movies, concerts, and frequently use mobile wallets, the BEA GOAL Credit Card is absolutely the ideal choice for daily spending. New credit card customers can also enjoy a welcome gift: simply accumulate eligible transactions of HK$5,000 or more within the first 3 months of card issuance to earn HK$500 cash rebate!
Extra Cash Rebate Structure
The cash rebate for this card consists of two components:
- Basic Reward: No spending threshold required. Cardholders can earn an HK$1 cash rebate for every accumulated amount of HK$250 spent on Basic Reward Eligible Transactions in each statement cycle (equivalent to a 0.4% rebate).
- Extra Reward: Cardholders whose monthly Basic Reward Eligible Transactions reach HK$2,000 can enjoy up to 6% extra cash rebate on Specified Transactions in that calendar month. Note that the maximum Extra Reward is capped at HK$200 cash rebate per calendar month for each Eligible Account:
- Online Shopping & Mobile Payment: Enjoy a 4% extra cash rebate on online retail spending or transactions made through Apple Pay & Google Pay.
- Entertainment Spending: Earn a 5% extra cash rebate on ticket purchases made through official channels at designated local theme parks, local karaoke merchants, designated local cinemas, and designated local ticket agents.
- Travel & Local Transport: Enjoy a 6% extra cash rebate on transactions at designated travel agents, hotels, airlines, local bus companies, taxi apps (excluding Uber), and fuel stations.
Up to 5% Rebate: BEA World Mastercard Welcome Offer
If you are looking for a wider variety of reward choices, the hkBEA world mastercard 20 program is an excellent option. This card not only performs exceptionally well for local dining and overseas spending, but it also gives you the flexibility to switch seamlessly between earning miles or cash rebate bonus points.
Flexible Rewards & Exclusive Reward Schemes
For the BEA mastercard 90 options, the Basic Reward allows cardholders to earn 1 bonus point for every HK$1 spent on daily eligible retail transactions (equivalent to a 0.4% basic rebate). Beyond this, cardholders can opt into one of two exclusive reward programmes:
- BEA Bonus Point Reward (until June 30, 2026): Principal cardholders who successfully complete registration via the BEA Mall App and whose monthly Basic Reward Eligible Transactions reach HK$4,000 can earn a total of 12.5X bonus points (equivalent to a 5% rebate) on designated categories! These categories include eligible foreign currency retail spending, local dining outlets, local wine cellars, local household appliance stores, local electronics sales stores, local sportswear, local fitness clubs, and local medical services. The Extra Reward is subject to a monthly cap of 115,000 bonus points per calendar month.
- BEA Mileage Reward: Cardholders registered for this scheme can enjoy a conversion rate as low as HK$5 = 1 Asia Mile on foreign currency retail spending, and HK$6.25 = 1 Asia Mile on designated local spending such as dining and electronics.
Row Title 2BEA World Mastercard Welcome Reward
From now until the promotional period ending January 13, 2027, new credit card customers (applicants who have not held any principal BEA credit card 590 series within the 6 months prior to the date of application and approval) who successfully apply and accumulate eligible transactions of HK$5,000 or more within the first 3 months of card issuance will receive a HK$500 cash rebate! Combined with priority booking for popular concert tickets and three exclusive privileges (Bonus Points Reward, HK$1 Travel Insurance upgrade, and preferential fixed deposit annual interest rates), this card offers exceptionally high utility.
Cross-Border Spending & Greater Bay Area Privileges: BEA UnionPay Dual Currency DIAMOND Credit Card
The BEA UnionPay Dual Currency DIAMOND Credit Card features independent HKD and Renminbi (CNY) accounts:
- Renminbi Account (Mainland China Spending): Spending in Mainland China is settled directly in CNY, waiving foreign currency transaction fees and protecting you from exchange rate fluctuations and conversion spreads.
- Hong Kong Dollar Account (Overseas Foreign Currency Retail Spending): Spending in overseas regions outside of Mainland China or on foreign currency websites will be converted into HKD and debited from the HKD account. UnionPay only charges a 1% foreign currency transaction fee.
Welcome Dual-Currency Rebate Offer: HK$400 + CNY400
From April 1, 2026 to January 13, 2027, new customers who apply for this card and meet the spending requirements within the first 3 months can earn a dual-currency reward:
- Accumulate local and overseas retail spending (HKD transactions) of HK$4,000 or more to receive a HK$400 cash rebate.
- Accumulate Renminbi retail spending of CNY4,000 or more to receive a CNY400 cash rebate.
Cross-Border Daily Rebate Privileges
From April 1, 2026 to January 13, 2027, new customers who apply for this card and meet the spending requirements within the first 3 months can earn a dual-currency reward:
- Accumulate local and overseas retail spending (HKD transactions) of HK$4,000 or more to receive a HK$400 cash rebate.
- Accumulate Renminbi retail spending of CNY4,000 or more to receive a CNY400 cash rebate.
BEA Credit Card Fees
| Fee Category | BEA GOAL Credit Card | BEA World Mastercard | BEA UnionPay Dual Currency DIAMOND Credit Card |
|---|---|---|---|
| Principal Card Annual Fee | HK$600 | HK$1,800 | HK$1,800 |
| Supplementary Card Annual Fee | HK$300 | HK$900 | HK$900 |
| Foreign Currency Transaction Fee | 1.95% | 1.95% | 1% |
BEA Credit Card Frequently Asked Questions (FAQ)
How do I qualify as a "New Credit Card Customer" for the welcome offer?
- BEA welcome rewards are generally restricted to applicants who have not held any principal BEA credit card within the 6 months prior to the application submission date and approval date. Please note that holders of BEA Corporate Cards, Supplementary Cards, Co-branded Cards, or Selected Customers are usually excluded from this definition.
Which spending items are classified as "Ineligible Transactions" and excluded from earning welcome rewards or basic rebates?
- In general, supplementary card transactions, cash advances, statement instalments, "Cash in Hand" amounts, balance transfers, purchasing and/or adding value to stored-value cards or e-wallets (such as reloading Alipay, PayMe, WeChat Pay, etc.), supermarket spending, government department transactions, bill payments and automatic transfers, finance charges, and annual fees are all classified as ineligible transactions.
What happens if I cancel my credit card shortly after receiving the welcome offer?
- If a cardholder cancels the relevant BEA credit card within 12 months of card issuance, the bank reserves the right to directly debit an amount equal to the value of the welcome reward from the credit card account without prior notice.
What is the late charge if I forget to make a payment on time?
- If you fail to pay the Minimum Payment Amount on or before the payment due date, BEA will levy a late payment charge. For each statement cycle, this fee is HK$350 / CNY350 or the Minimum Payment Amount, whichever is lower. Furthermore, failing to pay the minimum payment for 2 consecutive months will result in a higher default annualized percentage rate (APR) applied to the account.
Can the Renminbi and HKD accounts of the BEA UnionPay Dual Currency DIAMOND Credit Card automatically transfer funds to pay off each other?
- No, they cannot. Cardholders must settle the outstanding balance of the HKD account in Hong Kong Dollars, and the outstanding balance of the Renminbi account in Renminbi. Balances between the individual accounts will not automatically offset each other, and any overpayment in the HKD account will not automatically be used to cover dues in the Renminbi account.
How is the transaction fee calculated for foreign currency spending at physical stores overseas or on foreign websites?
- For every credit card transaction conducted in a non-HKD currency, BEA will levy a 1.95% foreign currency transaction fee if the transaction is processed via Visa, Mastercard, or JCB. If the transaction is processed via UnionPay, a 1% fee will be charged instead.