BEA i-Titanium Card

Last Updated:Oct 2020
$40,000
Min. Annual Income
0.4%
Overseas Spending - Cashback Rate
Offers
Benefits
Eligibility
APR/Fees

Offers

Exclusive Offer

from MoneyHero

OPTION 1

HK$300 Supermarket Coupon

  • From 13 to 31 October 2020, for new customers of BEA Credit Card successfully applying through MoneyHero

Welcome Offers from Bank of East Asia

OPTION 1

Welcome Gift: JBL TUNE120TWS Truly wireless in-ear headphones + Extra Gift: HK$200 Deliveroo Promo Code

Welcome Offer - JBL TUNE120TWS Truly wireless in-ear headphones (Value: HK$799)

  • Accumulate retail spending/cash advance of HK$4,000 or above within first two months from card issuance, and activate the card through BEA App

Extra Offer - HK$200 Deliveroo Promo Code

  • Accumulate retail spending of an equivalent of HK$2,000 in foreign currencies within first two months on top of the welcome gift spending requirement

Promotion period: from now till 11 January 2021

OPTION 2

Welcome Gift: HK$300 Deliveroo Promo Code + Extra Gift: HK$200 Deliveroo Promo Code

Welcome Offer - HK$300 Deliveroo Promo Code

  • Accumulate retail spending/cash advance of HK$2,000 or above within first two months from card issuance, and activate the card through BEA App

Extra Offer - HK$200 Deliveroo Promo Code

  • Accumulate retail spending of an equivalent of HK$2,000 in foreign currencies within first two months on top of the welcome gift spending requirement

Promotion period: from now till 11 January 2021

10% rebate on designated mobile payment spending; 3.4% rebate on online purchase

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10% rebate on designated mobile payment spending; 3.4% rebate on online purchase

Please turn off AdBlocker and private mode to redeem exclusive offer

Octopus Reload Rebate
Octopus Reload Rebate
Digital Wallet Rebate
Digital Wallet Rebate
Annual Fee Waiver
Annual Fee Waiver
Utilities Wallet Rebate
Utilities Wallet Rebate
Octopus Reload Rebate
Octopus Reload Rebate
Digital Wallet Rebate
Digital Wallet Rebate
Annual Fee Waiver
Annual Fee Waiver
Utilities Wallet Rebate
Utilities Wallet Rebate

Great for

[Hey! Student! ] BEA iTitanium Card is also applicable to Tertiary Students. It has no income requirement. You are eligible for up to $400 cash rebate! Apply here!
Welcome Offer - JBL Truly Wireless Headphones OR Up to HK$500 Cash Coupon
Requirements  Offers
Welcome Offer (Choose 1 from 3)  
  • Accumulate retail spending/cash advance of HK$4,000 or above within first two months from card issuance, and activate the card through BEA App
JBL Tune 120TWS Truly Wireless In-Ear Headphones
(Value: HK$799)
  • Accumulate retail spending/cash advance of HK$2,000 or above within first two months from card issuance, and activate the card through BEA App
 HK$300 Deliveroo Promo Code
 HK$200 Cash Rebate
Extra Offer
  • Accumulate retail spending of an equivalent of HK$2,000 in foreign currencies within first two months on top of the welcome gift spending requirement
HK$200 Deliveroo Promo Code
MoneyHero Exclusive Offer - HK$300 supermarket coupon
  • New customers of BEA Credit Card who successfully applying for BEA i-Titanium Card via MoneyHero can enjoy HK$300 supermarket cash coupon.
Up to 3.4% on Online Shopping Spending. An essential card for online shoppers.
  • 3.4% rebate on online shopping spending (3% i-Dollar rebate + 0.4% cash rebate)
    • Cardholders whose monthly retail spending reach HK$1,800 will be entitled to an i-Dollar Rebate on online shopping transactions in that calendar month.
  • Extra 10% rebate on BEA Days - Mobile Payment spending (Local bakeries/fast-food restaurants/coffee shops spending: 0.4% cash rebate + extra 10% BEA Days rebate)
    • Applicable to purchases at local bakeries/fast-food restaurants/coffee shops through Apple Pay/Google Pay after registration.
    • Cardholders whose monthly retail spending reach HK$2,000 will be entitled to 10% cash rebate on the designated mobile payments purchases.
  • 0.4% rebate on other spending
  • i-Dollar rebate and cash rebate earned in that calendar month will be credited to the principal card account in the following month.
Discounts on Movie Tickets. Priority Booking Service for Spectacular Concerts.
  • 10% off on movie tickets
    • 10% off on regular-price movie tickets at MCL Cinemas (except The Grand Cinema) and priority ticketing counter at the Festival Grand Cinema box office
    • 10% off on regular-price movie tickets at UA Cinemas and priority ticketing counter at the UA Cinemas box offices
  • Priority booking service for spectacular concerts
Foreign Currency Transaction Fee as low as 1.5% per transaction

Need to know

The welcome gift is only available to customers who have not held a principal BEA Credit Card in the 6 months prior to the application submission date.
Cash Rebate Limit
  • 3.4% rebate on online shopping spending is capped at a maximum of HK$200 in i-Dollars in each calendar month. (Spend HK$6,667 on online shopping purchases would reach the cap limit.) 
  • 10% rebate on BEA Days - Mobile Payment spending is capped at a maximum rebate of HK$100 in each calendar month. (Spend HK$1,000 on the designated mobile payment transactions would reach the cap limit.)
  • 0.4% rebate on other spending is capped at a maximum rebate of HK$40 in each calendar month. (Spend HK$10,000 would reach the cap limit.)
Only 0.4% basic cash rebate will be given to transactions made at supermarkets, department stores, travel agencies, to government departments, recurring transactions and/or autopay transactions.
How to Redeem MoneyHero Exclusive Offer
To redeem a MoneyHero exclusive offer, please send your (1) full name, (2) application date, (3) screen capture of reference number and (4) screen capture of approval SMS or Email notification to support@moneyhero.com.hk and complete the redemption form sent via email for verification and follow-up.

Benefits

Year-round rewards

Cash rebate
Air miles rewards
Cash rebate
Local Spending
0.4%
Overseas Spending
0.4%
Online Shopping Spending (Overseas)
3.4%
Online Shopping Spending (Local)
3.4%
Dining Spending
10.4%
Digital Wallet Spending
0.4%

Eligibility

APR/Fees

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How to find the right financial products for you?

MoneyHero has partnered with the most trusted banks and financial institutions in Hong Kong to help you find the right financial products for you. Through our comparison engine, you can compare credit cards, personal loans, mortgages, medical insurance, travel insurance, HK stock accounts, US stock accounts, payroll accounts and other financial products. We provide accurate, up-to-date information and an unbiased overview of financial products in Hong Kong so that you can make the best choice, saving your time and money.

How do I qualify for a credit card account?

Most Hong Kong credit card providers require applicants to be of legal age and a permanent resident/citizen of Hong Kong.

You would also need to have stable employment and meet minimum salary requirements, which vary according to the type of credit card.

How many types of credit cards in Hong Kong? How should I choose my credit cards?

The main types of credit cards in Hong Kong are VISA and MasterCard, followed by American Express and JCB.

In order to choose the best credit card, you can consider the popularity and offers of the card types, and also the reputation of banks, class of the credit cards, etc. Many people own several credit cards to meet different needs nowadays. Also, you can consider your spending habits and choose Cash Back Credit Cards, Airmiles Credit Cards, Dining Credit Cards, Online Shopping Credit Cards, Premium Credit Cards, Corporate Credit Cards, Entry Level / Student Credit Cards, UnionPay Credit Cards, or Welcome Offers Credit Cards. You can also make use of MoneyHero comparison pages, and compare latest offers of credit cards.

Do existing customers enjoy the Welcome Offers offered by MoneyHero?

For exclusive offers from MoneyHero, current customers are unfortunately not eligible to enjoy. For welcome offer from banks or institutions, various terms and conditions apply, subject to different banks and institutions. You may refer to the following:

American Express 
Welcome offers do not apply to current customers. Their welcome offers only apply on applicants who have not held or cancelled American Express credit cards in the past 12 months.

Citibank 
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled Citibank credit cards in the past 12 months.

DBS 
Current and new customers are eligible for welcome offers. New customers refer to card holders who have not held or cancelled Citibank credit cards in the past 12 months. For more details of welcome offers, please click here.

PrimeCredit 
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled PrimeCredit credit cards in the past 6 months.

CITIC 
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled CITIC credit cards in the past 12 months.

HSBC 
Current and new customers are eligible for welcome offers. For more details of welcome offers, please click here

BEA 
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled BEA credit cards in the past 6 months.

What are the common credit card rewards?

Credit card rewards come in many forms, the two major incentives are air miles and cash back. Many card issuers have different credit card rewards programs, cardholders can earn reward points for their spending and redeem the points for cash backair milesgift vouchers or free gifts.

Certain banks promote cash back rewards which their credit cards can earn, cardholders can enjoy 1-4% cash rebate for eligible local / overseas spending or shopping online.

If you travel and use your credit card to book flights and hotels frequently, you can earn more air miles using air mile credit cards. You may redeem miles for award flights, hotel stays and other travel offers.

In addition to daily spending, you may also earn rewards by using the Octopus Automatic Add-value Service and paying utilities, tax, tuition and insurance bills with your credit card and redeem reward points, cash back and air miles.

How long does it take to process my credit card application?

Banks in Hong Kong such as HSBC, Hang Seng Bank and Standard Chartered Bank issue different types of credit cards with generous rewards and their eligibility requirements are also different. Hence, the processing time varies depending on the card issuer, but as soon as your application has been approved, it normally takes 7 to 10 working days until you receive your card. Make sure that you submit all the relevant documents so that your application can be processed as quickly as possible.

Can I apply for a credit card if I am self-employed or unemployed?

The requirements to get different credit cards may vary and some may even have a minimum income requirement. Of course, applicants with a proper job or have income proof are more likely to be successful with their application, but it does not mean that a self-employed or unemployed person will not able to apply for a credit card.

What are the fees and charges applicable on credit cards?

The annual fee, which is generally charged HK$200-HK$6,000, depends on the bank and the type of credit card. One- to three-year annual fee waiver is usually offered to attract users, and cardholders get their fee waived if they can meet the minimum spending. Some card issuers even advertise credit cards with no annual fee, so please be sure to check the terms before applying. You can request annual fee waiver by calling the card issuer's hotline. Furthermore, many banks charge an early termination fee of more than HK$100; other common fees and charges include replacement fee, late charge, over-limit fee, cash advance fee and foreign transaction fee. In addition to credit card welcome offers, you should also check with your provider to see the fees and charges of your credit card.

How does a bank determine my credit limit?

Banks look at your credit score and income to determine the maximum credit amount they would extend to you. If your application is approved, the credit limit a bank gives you may be lower or higher than what you indicated in your application. If your credit score is satisfactory, banks may give you the maximum credit limit. If you think your limit is too high, you can talk to your provider and ask them to reduce it. Know more about credit score by reading our credit card application guide.

How to pay my credit card bills?

There are many ways to pay credit card bills, the easiest way is to apply for the bank?s autopay service, which will automatically deduct the monthly payment from the bank account on the due date, so that you won't overlook the payment. Other methods that cardholders can choose to pay the bills include PPS, ATM, e-banking, cheque or convenience stores.

Can I make only the minimum payment on my credit card?

Making only the minimum payment is not the best way to pay the bills! If you just make the minimum payment on the credit card, the bank would charge you compound interest, which means you might owe more and more money and carry long-term debt. Cardholders are recommended to assess their repayment ability before using their credit cards, and pay off all outstanding debt as soon as possible.

How many credit cards should I own?

In the past, most people think we should not own too many credit cards, as it might lead to over-consumption or missing payment. With the development of modern society and more credit card offers, many of us own several credit cards for various purposes, such as one for overseas spending, one for earning Asia Miles, and the other one for monthly instalments.

Please note that if you always pay your credit card bill after the due date while owning many credit cards, your credit score could drop, which is likely to affect your credit card, mortgage and loan application.

How to prevent credit card fraud?

To protect yourself from credit card fraud, you should keep your credit card and personal information (including credit card numbers and security code) safe and never disclose your passwords or personal information to anyone. You should also keep record of all credit card transactions and check bank statements regularly. Report any suspicious transactions to your financial institution or bank immediately to avoid financial loss.

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