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The Bank of East Asia, Limited

Official sitewww.hkbea.comLast verified

Credit cards10

BEA World Mastercard · The Bank of East Asia, Limited The Bank of East Asia, Limited

BEA World Mastercard

 Annual feePrincipal card: HK$1,800 per yearPurchase APR35.91% at account opening; subject to periodic reviewMinimum incomeAnnual income of at least HK$120,000
12.5Dining spend (up to 12.5X, equivalent to a 5% rebate)
Annual fee waiverFirst-year annual fee waiver
Source: BEA World MastercardUpdated 19 Oct 2026
BEA Virtual Credit Card · The Bank of East Asia, Limited The Bank of East Asia, Limited

BEA Virtual Credit Card

 Annual feeDisplayed World Mastercard / UnionPay dual-currency Diamond principal cards: HK$1,800 per year, with waivers governed by the selected cardPurchase APR35.91% at account opening; subject to periodic reviewMinimum incomeTo be verified
5Designated spending (registration for the designated promotion via the BEA Mall app required; up to 12.5X points, equivalent to a 5% rebate)
Source: BEA Virtual CardUpdated 19 Oct 2026
BEA UnionPay Dual Currency Diamond Credit Card · The Bank of East Asia, Limited The Bank of East Asia, Limited

BEA UnionPay Dual Currency Diamond Credit Card

 Annual feeHK$1,800Purchase APR35.91% APR (monthly rate 2.59%)Minimum incomeAnnual income of at least HK$120,000
5.2%Cross-border spending (a rebate of up to 5.2%)
Annual fee waiverFirst-year annual fee waiver for all customers
Welcome offerExtra rewards and online bill payment rewards promotion: caps of 100,000 extra reward points and 20,000 online bill payment reward points per calendar month（Until 31 Dec 2026）
Source: BEA UnionPay Dual Currency Diamond CardUpdated 19 Oct 2026
BEA SupremeGold World Mastercard · The Bank of East Asia, Limited The Bank of East Asia, Limited

BEA SupremeGold World Mastercard

 Annual feeHK$1,800 (annual fee waiver applies to the BEA SupremeGold World Mastercard)Purchase APR35.91% APR (monthly rate 2.59%)Minimum incomeTo be verified
12.5Dining spending at up to 12.5X points (base point rate not stated on the source page)
Annual fee waiverAll customers enjoy a first-year annual fee waiver on this card
Welcome offerHK$500 cash rebate（Until 13 Jan 2027）
Source: BEA SupremeGold World MastercardUpdated 19 Oct 2026
BEA GOAL Credit Card (for university/tertiary students) · The Bank of East Asia, Limited The Bank of East Asia, Limited

BEA GOAL Credit Card (for university/tertiary students)

 Annual feePerpetual annual fee waiverPurchase APR35.91% at account opening; subject to periodic reviewMinimum incomeTo be verified
Annual fee waiverPerpetual annual fee waiver
Source: BEA GOAL Student CardUpdated 19 Oct 2026
BEA GOAL Credit Card · The Bank of East Asia, Limited The Bank of East Asia, Limited

BEA GOAL Credit Card

 Annual feePrincipal card: HK$600 per yearPurchase APR35.91% at account opening; subject to periodic reviewMinimum incomeAnnual income of at least HK$40,000
Annual fee waiverAll customers enjoy a first-year annual fee waiver on this card
Source: BEA GOAL CardUpdated 19 Oct 2026
BEA UnionPay Dual Currency Diamond Card (for university/tertiary students) · The Bank of East Asia, Limited The Bank of East Asia, Limited

BEA UnionPay Dual Currency Diamond Card (for university/tertiary students)

 Annual feePerpetual annual fee waiverPurchase APR35.91% at account opening; subject to periodic reviewMinimum incomeTo be verified
5.2%Cross-border spending (a rebate of up to 5.2%)
Annual fee waiverPerpetual annual fee waiver
Current offers: Extra rewards and online bill payment rewards promotion: caps of 100,000 extra reward points and 20,000 online bill payment reward points per calendar monthEnded（Until 31 Dec 2025）
Source: BEA Diamond Student CardUpdated 19 Oct 2026
BEA AIA Credit Card · The Bank of East Asia, Limited The Bank of East Asia, Limited

BEA AIA Credit Card

 Annual feePerpetual annual fee waiverPurchase APR35.91% at account opening; subject to periodic reviewMinimum incomeAnnual income of at least HK$40,000
3Retail spending at physical or online merchants (the 3X bonus point reward includes base points; points cannot be used to redeem Asia Miles)
Annual fee waiverPerpetual annual fee waiver
Source: BEA AIA Credit CardUpdated 19 Oct 2026
BEA JCB Platinum Credit Card · The Bank of East Asia, Limited The Bank of East Asia, Limited

BEA JCB Platinum Credit Card

 Annual feePrincipal card: HK$800 per yearPurchase APR35.91% at account opening; subject to periodic reviewMinimum incomeAnnual income of at least HK$40,000
15%Local and Macau spending paid by contactless payment (limited-time cash rebate offer)
0.4%Retail spending (a year-round cash rebate offer: every HK$250 spent earns HK$1 cash rebate)
Annual fee waiverFirst-year annual fee waiver for all customers
Source: BEA JCB Platinum CardUpdated 6 Oct 2026
BEA CENTENNIAL World Elite Mastercard · The Bank of East Asia, Limited The Bank of East Asia, Limited

BEA CENTENNIAL World Elite Mastercard

 Annual feePrincipal card: HK$19,800 per year before 23 Nov 2026; HK$26,000 from 23 Nov 2026; includes one principal and up to three supplementary cardsPurchase APR5.04% at account opening; subject to periodic reviewMinimum incomeTo be verified
0.2%Eligible foreign currency retail spending (all foreign currency spending, excluding RMB, made in Hong Kong and outside Hong Kong) · Extra reward promotion from 1 January 2025 to 30 September 2026 (HK$5 = 1 Asia Mile, 2X points in total)
0.16%Eligible local retail spending · Extra reward promotion from 1 January 2025 to 30 September 2026 (HK$6.25 = 1 Asia Mile, 1.6X points in total)
Annual fee waiverBefore 23 Nov 2026: first year waived; HK$500,000 in annual retail spending and cash advances earns the next annual fee waiver. Accounts opened from 23 Nov 2026 pay the full first-year fee; thereafter HK$1,000,000 eligible spending in the 12 complete calendar months before the annual fee month earns a 50% waiver. Accounts opened on or before 22 Nov 2026 receive the notice’s special waiver through 31 Dec 2027.
Current offers: Extra reward promotion: HK$5 = 1 Asia Mile on eligible foreign currency retail spending (2X points in total); HK$6.25 = 1 Asia Mile on eligible local retail spending (1.6X points in total)Ended（Until 30 Sep 2026）
Source: BEA CENTENNIAL World Elite MastercardUpdated 21 Sep 2026

Personal loans4

The Bank of East Asia, Limited

Overdraft Facility

 APRBEA HKD prime rate (P) +0.50% to +3.50% p.a., depending on customer segment and credit limitLoan amountHK$5,000–HK$1,200,000 (credit limit up to 10x monthly salary)Monthly flat rateTo be verifiedTenorTo be verified
Source: BEA Overdraft FacilityUpdated 19 Oct 2026
The Bank of East Asia, Limited

Debt Clearance Plan

 APR from7.07%–33.35%Loan amountUp to 18x monthly basic salary (max HK$1,200,000)Monthly flat rate0.21%Tenor12–72
Source: BEA Debt Clearance PlanUpdated 19 Oct 2026
The Bank of East Asia, Limited

Instalment Loan

 APR from1.00%–36.00%Loan amountUp to 16x monthly basic salary (max HK$3,000,000)Monthly flat rate0.045%Tenor12–60
Source: BEA Instalment LoanUpdated 5 Oct 2026
The Bank of East Asia, Limited

Car Loan

 APR from1.00%–36.00%Loan amountUp to 16x monthly basic salary (max HK$3,000,000)Monthly flat rate0.045%Tenor12–60
Source: BEA Car LoanUpdated 5 Oct 2026

Traditional bank accounts2

The Bank of East Asia, Limited

SupremeGold

 Account typeSupremeGoldMinimum balanceHK$500,000 average daily relationship balance; alternative fee-waiver routes cover investments, mortgages, payroll or AIA premiumsMaintenance feeHK$250/month, waived for average daily relationship balance of HK$500,000, average daily investments of HK$300,000, total mortgage drawdown of HK$3,000,000, previous-month payroll of HK$60,000, or AIA annual premiums of HK$100,000 (foreign-currency equivalents accepted; tariff definitions apply)InterestTo be verified
Source: BEA SupremeGoldUpdated 27 Oct 2026
The Bank of East Asia, Limited

BEA GOAL

 Account typeFully digital all-in-one accountMinimum balanceTo be verifiedMaintenance feeMonthly service fee waivedInterestTo be verified
Source: BEA GOALUpdated 30 Sep 2026