BEA i-Titanium Card

Last Updated: Nov 2023
$
40,000

Min. Annual Income

4
%

Local Spending - Cashback Rate

on online shopping spending (effective on 1 July 2023)
0.4
%

Overseas Spending - Cashback Rate

New and Enhanced rewards for BEA i-Titanium Card : <li>4% on Online Shopping Spending and mobile payment</li><li>Other Spending: Every HK$250 in retail spending =$1 cash rebate</li>
Extra 12% rebate on designated mobile payment purchases at local bakeries/fast food restaurants/coffee shops/local transport
Octopus Reload Rebate
Digital Wallet Rebate
Annual Fee Waiver
Utilities Wallet Rebate
MoneyHero Exclusive Offer

Great for

  • MoneyHero Exclusive Offer

    • Dual card offer: New customers who apply BEA World Mastercard along with i-Titanium Card (Using 1 application form), enter promo code "BEAMHC22" during the application, approved by BEA on or before 15 January 2024, and spend once in any amount with both new cards within 30 days from the day of card issued, you can get HK$800 Apple Store Gift Card / HK$800 HKTVmall e-Gift Voucher / HK$800 Wellcome Shopping Voucher
    • Single card offer: New customers who apply either BEA World Mastercard or i-Titanium Card, enter promo code "BEAMHC22" during the application, approved by BEA on or before 15 January 2024, and spend once in any amount within 30 days from the day of card issued, the exclusive offer would be HK$400 Apple Store Gift Card / HK$400 HKTVmall e-Gift Voucher / HK$400 Wellcome Shopping Voucher
    • Offer cannot be used in conjunction with any other promotional offer [For example: BEA Credit Card MGM Scheme]
    • Tips:
      • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
      • Please be reminded to complete all below steps for receiving the Exclusive Offer:
        • Step 1. At MoneyHero Website, click “Apply Now” button which is under content of “BEA World Mastercard”, then fill the email address and click “Confirm”. After that, the page would be directed to BEA website automatically and click “Learn More & Apply” to apply both World Mastercard and i-Titanium card. Please remember to fill in the referral code "BEAMHC22" in the "BEA Credit Card Member-get-member referral code (if applicable)" column during the application. You will receive an email from BEA (containing the application reference number) after completing the application.
        • Step 2. MoneyHero would share “Reward Redemption Form” by via email, please complete and submit to MoneyHero for verifying the eligibility of reward. Please be reminded, the “Reward Redemption Form” should be submitted to MoneyHero within 7 days after application submission, and any late and/or reasons of failed submission are NOT entitled to enjoy the Exclusive offer.
        • Step 3. To speed up the approval process, please keep the application reference number in the email from BEA for record and submit the required documents during application. The application reference number should begin with "OA" and is a composition of characters and numbers of 12 digits. The application reference number can be found in the email from BEA (e.g. OAXXX1XX11XX). Please check the application reference number carefully to avoid disqualification.
        • Step 4. If you have concerns regarding the redemption process, please refer to this article.
        • Step 5. Terms and Conditions apply.
    Requirement MoneyHero Exclusive Offer
    Apply BEA World Mastercard along with i-Titanium Card (Using 1 application form)  
    From now until 15 December 2023 at 6 p.m., new customers who apply BEA World Mastercard along with i-Titanium Card (Using 1 application form), enter promo code "BEAMHC22" during the application, approved by BEA on or before 15 January 2024, and spend once in any amount with both new cards within 30 days from the day of card issued
    1. HK$800 Apple Store Gift Card; or
    2. HK$800 HKTVmall e-Gift Voucher; or
    3. HK$800 Wellcome Shopping Voucher

    (1 out of 3)

    Apply BEA World Mastercard or i-Titanium Card (Either one)  
    From now until 15 December 2023 at 6 p.m., new customers who apply BEA World Mastercard or i-Titanium Card, enter promo code "BEAMHC22" during the application, approved by BEA on or before 15 January 2024, and spend once in any amount within 30 days from the day of card issued
    1. HK$400 Apple Store Gift Card; or
    2. HK$400 HKTVmall e-Gift Voucher; or
    3. HK$400 Wellcome Shopping Voucher

    (1 out of 3)

  • World Mastercard & i-Titanium Card Dual Card Welcome Offer - Up to HK$3,300 Cash Rebate
    • New customers accumulate retail spending/cash advance of HK$8,000 or above within first 3 months from card issuance and activate World Mastercard through BEA App can earn HK$800 Cash Rebate; if you successfully apply i-Titanium Card at the same time and reach accumulate retail spending/cash advance of HK$5,000 or above within first 2 months from card issuance and activate the card through BEA App, you can earn entra HK$500 Cash Rebate
    • Receive extra 2% rebate for all Eligible Transactions made on the World Mastercard within the first 3 months from the date of card issuance, up to HK$2,000 Cash Rebate
  • [Hey! Student! ] BEA iTitanium Card is also applicable to Tertiary Students. It has no income requirement. You are eligible for up to $200 cash rebate! Apply here!
  • Get 4% on Online & Mobile Payment. An essential card for online shoppers (Effective on 1 July 2023)
    • Online Shopping and Mobile Payment 4% rebate (includes the Basic Reward 0.4% cash rebate and the Extra Reward 3.6% i-Dollar cash rebate)
    • Other Spending: Every HK$250 in retail spending = $1 cash rebate
    • Extra 12% rebate on BEA Days - Mobile Payment spending (Local bakeries/fast-food restaurants/coffee shops/local transport spending)
      • Applicable to purchases at local bakeries/fast-food restaurants/coffee shops/local transport through Apple Pay/Google Pay after registration.
      • Cardholders whose monthly retail spending reach HK$2,000 will be entitled to 12% cash rebate on the designated mobile payments purchases.
  • Priority Booking Service for Spectacular Concerts.
  • First year annual fee waiver

Need to know

  • The welcome offer and MoneyHero Exclusive Offer are only available to customers who have not held a principal BEA Credit Card (excluding the BEA Corporate Card and all co-branded/affinity cards and supplementary cards) in the 6 months prior to the application submission date and at the time of card approval (excluding selected customers).

  • Spend once in any amount with both new cards within 30 days from the day of card issued to be eligible for MoneyHero’s Exclusive offer
  • Only 0.4% basic cash rebate will be given to transactions made at supermarkets, travel agencies, to government departments, recurring transactions and/or autopay transactions.

Year-round rewards

CASH REBATE
Local Spending
4%
Overseas Spending
0.4%
Online Shopping Spending (Overseas)
4%
Online Shopping Spending (Local)
4%
Digital Wallet Spending
0.4%
Octopus Top Up Spending
0.4%
Need some help?
No worries, we've got you covered!

Thank you for using MoneyHero. If you are looking to check on your reward redemption status, then this is the right place. We have compiled our promotional campaigns and their respective rewards progress so that you can keep track of when you can expect yours. 

Please click on the campaign that you participated in, and you will find the corresponding redemption status. Campaigns are sorted chronologically, be sure to match the correct financial institution, reward, and period of the campaign.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

View all credit cards FAQ

Eligibility

Minimum Age
18 years old
Min. Annual Income
HK$40,000
Min. Annual Income
Student Card: Please refer to BEA i-Titanium Card Product Page

Fees

Annual fee
HK$600
Foreign Currency Transaction Fee
1.95%

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
35.91%
Cash Advance APR
35.96%
Interest Free Repayment Period
56 days

Other information

Credit card type
Mastercard

Isn't the best product for you?

Compare more credit cards on MoneyHero

img_cc_faq_mobile.png
Need some help?
No worries, we've got you covered!

Thank you for using MoneyHero. If you are looking to check on your reward redemption status, then this is the right place. We have compiled our promotional campaigns and their respective rewards progress so that you can keep track of when you can expect yours. 

Please click on the campaign that you participated in, and you will find the corresponding redemption status. Campaigns are sorted chronologically, be sure to match the correct financial institution, reward, and period of the campaign.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.