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BEA UnionPay Dual Currency PLATINUM Credit Card

Last Updated:Jan 2021
$40,000
Min. Annual Income
1.2%
Local Spending - Cashback Rateon local dining spending
0.4%
Overseas Spending - Cashback Rate
Offers
Benefits
Eligibility
APR/Fees

Offers

Exclusive Offer

from MoneyHero

OPTION 1

HK$300 Supermarket Coupon

  • From 1 to 31 January 2021, new customers of BEA Credit Card who successfully apply for the card via MoneyHero are entitled to HK$300 supermarket coupon. 

Welcome Offers from Bank of East Asia

OPTION 1

Grandaz 3L Intelligent Air Fryer

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

    Promotion period: from now till 8 February 2021

    OPTION 2

    HK$300 HKTV MALL Cash Vouchers

    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

      Promotion period: from now till 8 February 2021

      3X reward points for local dining spending; 2X reward points for all other local retail spending

      Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after card approval.

      3X reward points for local dining spending; 2X reward points for all other local retail spending

      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
      Digital Wallet Rebate
      Octopus Reload Rebate
      Octopus Reload Rebate
      Digital Wallet Rebate
      Digital Wallet Rebate
      Octopus Reload Rebate
      Octopus Reload Rebate

      Great for

      Welcome Offer - Grandaz 3L Intelligent Air Fryer / HK$300 HKTV MALL Vouchers
      Requirements  Offers
      (Choose 1 from 2)
      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 Grandaz 3L Intelligent Air Fryer
      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 HKTV MALL Cash Coupons
      MoneyHero Exclusive Offer - HK$300 supermarket coupon
      • New customers of BEA Credit Card who successfully apply for BEA UnionPay Dual Currency PLATINUM Credit Card via MoneyHero can enjoy HK$300 supermarket cash coupon.
      • Tips:
        • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
        • Send an email with(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 within 30 days of card approval. MoneyHero will verify your reward eligibility with BEA.
        • 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 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% cash 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% cash 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% cash 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% cash rebate (3X reward points) + extra 10% BEA Days rebate = 11.2% cash rebate
        • Local bakeries spending: 0.8% cash rebate (2X reward points) + extra 10% BEA Days rebate = 10.8% cash rebate
        • Cardholders whose monthly retail spending reach HK$2,000 will be entitled to 10% cash rebate on the designated mobile payments purchases.
      • Earned reward points can redeem spending credit / vouchers at BEA Bonus Gallery.
      • BEA Days cash 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.
      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
      No foreign currencies transaction fee

      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
      • 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, department stores, travel agencies, to government departments, recurring transactions and/or autopay transactions. Therefore, these listed transactions can only earn 1X reward point (aka 0.4% cash rebate).

      Benefits

      Year-round rewards

      Cash rebate
      Air miles 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
      11.2%
      Digital Wallet Spending
      0.4%

      Eligibility

      Eligibility

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

      APR/Fees

      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%

      Other information

      Credit card type
      UnionPay Platinum

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