Extra Reward: 5% rebate on mobile spending and 2% rebate on other retail spending within the first two months from the card issuance date
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Digital Wallet Rebate
Octopus Reload Rebate
MoneyHero Exclusive Offer
3X reward points for local dining spending. No cap limit on reward points, which can redeem spending credit / vouchers.
3X reward points for local dining spending (HK$1 = 3 reward points)
25,000 reward points can redeem HK$100 vouchers. Take it as an example. Therefore, spend HK$8,337 on local dining category can redeem HK$100 vouchers, aka 1.2% rebate.
3X reward points only for local dining spending, which does not include transactions for private parties / functions or private room events other than those held in hotels / restaurants / dining outlets, or transactions made at dining outlets in department stores / associations / clubhouses.
2X reward points for all other local retail spending (HK$1 = 2 reward points)
25,000 reward points can redeem HK$100 vouchers. Take it as an example. Therefore, spend HK$12,500 on other local retail category can redeem HK$100 vouchers, aka 0.8% rebate.
1X reward points for other spending (eg. foreign currency spending, octopus top-up and digital wallet top-up etc.) (HK$1 = 1 reward point)
25,000 reward points can redeem HK$100 vouchers. Take it as an example. Therefore, spend HK$25,000 on other category can redeem HK$100 vouchers, aka 0.4% rebate.
Extra 10% rebate on BEA Days - Mobile Payment spending
Applicable to purchases at local bakeries/fast-food restaurants/coffee shops through Apple Pay/Google Pay after registration.
Local fast-food restaurants/coffee shops spending: 1.2% rebate (3X reward points) + extra 10% BEA Days rebate = 11.2% rebate
Local bakeries spending: 0.8% rebate (2X reward points) + extra 10% BEA Days rebate = 10.8% rebate
Cardholders whose monthly retail spending reach HK$2,000 will be entitled to 10% rebate on the designated mobile payments purchases.
Earned reward points can redeem spending credit / vouchers at BEA Bonus Gallery.
BEA Days rebate earned will be credited to the principal card account.
Dual Currency in One Card for flexibility
BEA UnionPay Dual Currency PLATINUM Credit Card consists of both Renminbi (RMB) and Hong Kong Dollar (HKD) credit card accounts. Transactions conducted in the mainland will be settled in RMB while those transactions conducted in Hong Kong and overseas will be settled in HKD, enabling you to save currency conversion cost.
Priority Booking Service for Spectacular Concerts
No foreign currencies transaction fee
First year annual fee waiver
Need to know
The welcome gift and MoneyHero Exclusive Offer are only available to customers who have not held a principal BEA Credit Card in the 6 months prior to the application submission date.
10% rebate on BEA Days - Mobile Payment spending is capped at a maximum rebate of HK$100 in each calendar month. (Spend HK$1,000 on the designated mobile payment transactions would reach the cap limit.)
No extra reward points will be given to transactions made at supermarkets, travel agencies, to government departments, recurring transactions and/or autopay transactions. Therefore, these listed transactions can only earn 1X reward point (aka 0.4% rebate).
Online Shopping Spending (Local)
Online Shopping Spending (Overseas)
Digital Wallet Spending
Octopus Top Up Spending
18 years old
Min. Annual Income
Foreign Currency Transaction Fee
All interest, fees and charges including annual fees that may be charged, plus 1% of outstanding principal (minimum: HK$/CNY50), plus any outstanding minimum payment due and over credit limit amount.
Late payment charge
HK$/CNY350 or the Minimum Payment Due, whichever is lower.