BEA UnionPay Dual Currency PLATINUM Credit Card
Last Updated: Sep 2021
$ 40,000
Min. Annual Income
1.2 %
Local Spending - Cashback Rate
on local dining spending
0.4 %
Overseas Spending - Cashback Rate
Exclusive Offer
from MoneyHero
OFFER 1
HK$400 Apple Store Gift Card
  • From 1 to 30 September 2021, new customers of BEA Credit Card who successfully apply for BEA UnionPay Dual Currency PLATINUM Credit Card via MoneyHero on the same day and activate the card within 30 days of card approval are entitled to HK$400 Apple Store Gift Card.
  • The card(s) must be approved on or before 31 October 2021.
  • Within 7 days of card approval, please send (1) the name of the applied product, (2) application date, and (3) screen capture of approval SMS or Email notification to support@moneyhero.com.hk for verification and follow-up. MoneyHero will verify your reward eligibility with Bank of East Asia.
  • The redemption process may take at least 16 weeks starting from the date on which the MoneyHero Reward Redemption Form is submitted, depending on the actual situation regarding user’s approval and transaction status or other factors that may affect eligibility for the Promotion Reward. If you have concerns regarding redemption process, please refer to this article.

Welcome Offers from Bank of East Asia

OFFER 1
HK$200 Cash Rebate
  • Customers successfully apply for the card via MoneyHero
  • No spending requirement
  • Promotion period: from now till 30 September 2021
Extra Reward: 5% rebate on mobile spending and 2% rebate on other retail spending within the first two months from the card issuance date
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.
Digital Wallet Rebate
Octopus Reload Rebate

Great for

  • Enjoy up to HK$2,800 Welcome Spending Reward when you successfully apply for 3 BEA Credit Cards, plus HK$1,200 Apple Store Gift Card exclusively from MoneyHero
    Requirement BEA Welcome Offer MoneyHero Exclusive Offer
    World Mastercard Welcome Offer    
    New customers accumulate retail spending/cash advance of HK$3,000 or above within first two months from card issuance, and activate the card through BEA App HK$300 Cash Rebate  /
    Receive extra 2% rebate for all Eligible Transactions made on the Eligible Card within the first 2 months from the date of card issuance Up to HK$1,000 Cash Rebate /
    Successfully apply via MoneyHero, have the card approved by 31 October 2021 and activate the card within 30 days of card approval. / HK$400 Apple Store Gift Card
    i-Titanium Card Welcome Offer    
    New customers accumulate retail spending/cash advance of HK$3,000 or above within first two months from card issuance, and activate the card through BEA App HK$300 Cash Rebate  /
    Successfully apply via MoneyHero, have the card approved by 31 October 2021 and activate the card within 30 days of card approval. / HK$400 Apple Store Gift Card
    UnionPay Dual Currency Card Welcome Offer    
    Customers successfully apply via MoneyHero from now till 30 September 2021, and no spending is required. HK$200 Cash Rebate  /

    Receive 5% rebate on mobile spending and 2% rebate on other retail spending within the first two months from the card issuance date

    Up to HK$1,000 Cash Rebate /
    Successfully apply via MoneyHero, have the card approved by 31 October 2021 and activate the card within 30 days of card approval. / HK$400 Apple Store Gift Card
      Up to HK$4,000 Welcome Rewards
    • Tips:
      • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
      • To be eligible for MoneyHero Top-Up Exclusive Offer - Up to HK$1,200 Apple Store Gift Card, please apply for BEA World Mastercard and BEA i-Titanium Card by clicking the “Apply Now” buttons on MoneyHero Website and apply for dual credit cards on BEA website. Once you submit dual card application, please apply for BEA UnionPay Dual Currency Card via MoneyHer on the same day by clicking the “Apply Now” button.
      • Note down your application reference number for reference. Upload all required documents when you apply for the card to facilitate the approval process.
      • If you have concerns regarding the redemption process, please refer to this article.
  • 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.
    • If the Eligible Cardholder also applies for other BEA(s), he/she can only enjoy the welcome offer once through the first approved BEA Credit Card.
  • Rebate 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.)
  • 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).

Year-round rewards

CASH REBATE
Local Spending
1.2%
Overseas Spending
0.4%
Online Shopping Spending (Local)
0.4%
Online Shopping Spending (Overseas)
0.4%
Dining Spending
1.2%
Digital Wallet Spending
0.4%
Octopus Top Up Spending
0.4%

Eligibility

Minimum Age
18 years old
Min. Annual Income
HK$40,000

Fees

Annual fee
HK$600
Foreign Currency Transaction Fee
Waived

Repayment

Minimum Payment
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.
Retail Purchase APR
36.43%
Cash Advance APR
39.38%
Interest Free Repayment Period
56 days

Other information

Credit card type
UnionPay Platinum

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