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BEA Flyer World Mastercard: Top Miles on Everyday Spend

Everyday Miles for Primarily Local Spenders

BEA Flyer World Mastercard: Top Miles on Everyday Spend

Everyday Miles for Primarily Local Spenders

4.5/5.0

ValueChampion Rating ValueChampion Icon

Good for

  • Miles-seeking consumers looking for an everyday card
  • People who spend most of their time in Hong Kong
  • Existing BEA customers who want a no-fee card

Bad for

  • Consumers with large overseas budgets
  • Frequent travellers looking for free lounge access
  • People with highly specialised budgets (ie. dining, online)

BEA Flyer World Mastercard is great for consumers with mostly local budgets who want to enjoy well-rounded perks. Cardholders earn 0.125 miles per HK$1 spend at supermarkets, department stores, travel agencies & government departments, elevated to 0.200 miles on every other transaction. Consumers also enjoy convenient local perks like Hong Kong Jockey Club Visitor Box access and discounts on Blue Care Medical Centre check-ups. Additionally, cardholders can take advantage of discounted lounge access at over 1,000 LoungeKey locations. Altogether, BEA Flyer World Mastercard is ideal for people looking to earn competitive miles rates on their everyday spend.

ProsCons
  • 0.200 mi/HK$1 on most everyday purchases
  • Discounted medical check-ups, lounge & HK Jockey Club access
  • Annual fee waived w/ select BEA accounts
  • No boosted category rates
  • Other cards offer higher overseas rates
  • Limited travel perks
Promotions:
  • Up to 10% cashback on select dining mobile pay
  • Up to 20% off on MCL Cinemas movie tickets
Card Overview
Pros:
  • 0.200 mi/HK$1 on most everyday purchases
  • Discounted medical check-ups, lounge & HK Jockey Club access
  • Annual fee waived w/ select BEA accounts
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Up to 20% off on MCL Cinemas movie tickets
Cons:
  • No boosted category rates
  • Other cards offer higher overseas rates
  • Limited travel perks

What Makes BEA Flyer World Mastercard Stand Out

Miles-seeking consumers with largely local budgets should definitely consider BEA Flyer World Mastercard. Cardholders earn 0.125 miles per HK$1 spend at supermarkets, department stores, travel agencies & government departments, boosted to 0.200 miles per HK$1 for all other spend. Although competitor cards offer higher category-specific rates, BEA Flyer World Mastercard differentiates itself by providing some of the highest rewards available on general everyday spend. While BEA Flyer World Mastercard's rewards are technically earned in points, they can easily be redeemed for miles without conversion or handling fees.

Comparing Miles Rates By Spend Local Categories

Credit CardGeneral LocalDiningOnlineOverseas
BEA Flyer World0.200 mi0.200 mi0.200 mi0.200 mi
SC Asia Miles0.167 mi0.250 mi0.250 mi0.250 mi
DBS Black World0.167 mi0.167 mi0.167 mi0.250 mi
Citi PremierMiles0.125 mi0.125 mi0.333 mi0.333 mi
SC Asia Miles earns 0.750 mi/HK$1 spend with select restaurants (1.250 on Mondays). Citi PremierMiles earns 0.333 mi/HK$1 spend online with HK$20k monthly spend.

BEA Flyer World Mastercard also offers a well-rounded mix of entertainment and practical perks. Cardholders can reserve rooms in Hong Kong Jockey Club's Visitor Box and function rooms at both the Happy Valley and Sha Tin racecourses. Consumers can also take advantage of up to 55% off on Blue Care Medical Centre check-ups. For their trips, cardholders can enjoy discounted access to 1,000+ LoungeKey lounges for US$32 per person per visit, making it easy to travel in comfort.

Frequent travellers, however, may want to consider other options. Compared to other miles cards, BEA Flyer World Mastercard's travel perks are not very competitive. Other cards often have higher overseas rewards rates and perks like free (not just discounted) lounge visits. Frequent travellers who prioritise these features may want to consider Citi PremierMiles Card, or an airline-specific card like American Express Cathay Pacific Elite Credit Card.

Comparing Overseas Rates and Lounge Perks

Credit CardOverseas RateLounge Perks
Citi PremierMiles0.333 mi12 free lounge visits/yr
Amex Cathay Pacific Elite0.250 mi10 free lounge visits/yr
CCB HKA0.250 mi5 free lounge visits/yr
DBS Black World0.250 miDiscounted lounge visits
BEA Flyer World0.200 miDiscounted lounge visits
Amex Cathay Pacific0.188 mi2 free lounge visits/yr
CCB HKA Card technically earns in FWC Pts, which are roughly equal in value to Asia Miles. Citi PremierMiles earns 0.333 mi/HK$1 spend overseas with HK$20k monthly spend.

Although frequent travellers may be better suited to other cards, BEA Flyer World Mastercard is still a great option for consumers who spend most of their time in Hong Kong. While there is a HK$1.8k annual fee, it's perpetually waived for consumers with BEA deposit, Mandatory Provident Fund, mortgage or consumer loan accounts. All in all, local consumers can quickly accumulate miles on their everyday spend and enjoy well-rounded perks with BEA Flyer World Mastercard.

How Does BEA Flyer World Mastercard's Rewards Program Work?

Use our quick guide below to learn how you can redeem your credit card rewards.

  • Rewards originally earned as Bonus Points
  • Points are valid for 5 years
  • Points can be redeemed for Asia Miles at a rate of 8 Points = 1 Asia Mile (no conversion fee)
  • Points can only be redeemed for Asia Miles in blocks of 40k point (for 5k Asia Miles)
  • Points can also be redeemed for gift/merchant vouchers on BEA MALL & Shop Smart online platforms
  • Points can alternatively be combined across a maximum of 2 different BEA cards under the same principal cardholder's name

BEA Flyer World Mastercard's Features and Benefits:

Card Overview
  • Annual Fee: HKD 1,800, 1-Year Waiver, fee waiver for maintaining deposit, mortgage loans, consumer loans or MPF account w/ BEA
  • Income Requirement: HKD 240,000
Rewards Rate Details
  • 0.125 miles per HK$1 spend at supermarkets, department stores, travel agencies and government departments
  • 0.200 miles per HK$1 other general spend
  • Octopus AAVS & government department spend rebates jointly capped at 1,250 mi/mo
  • No miles conversion fees
Benefits & Perks
  • Discounted lounge visits at 1,000+ LoungeKey locations for US$32 (HK$) per person per visit
  • Up to 55% off Blue Care Medical Centre check-up packages
  • Hong Kong Jockey Club Visitor Box access
  • BEA Year-Round Offers & World Mastercard Privileges
Promotions:
  • Up to 10% cashback on select dining mobile pay
  • Up to 20% off on MCL Cinemas movie tickets

BEA Flyer World Mastercard's Rewards Exclusions

The following credit card expenditures are ineligible for rewards.

Cash advances; statement instalments; "Cash in Hand"; balance transfers; fees or charges including finance charges, late charges, annual fees or any other fees and charges
Fund transfers; purchases and/or adding value to stored-value cards or e-wallets (except PayMe/Octopus Automatic Add Value Service); all bill payments (including but not limited to banking & credit card services, credit services, securities trading, tax payment, educations and insurance) through cyberbanking (including internet phone, ATM and mobile banking)
Casino chips; payments which are unposted or posted but subsequently cancelled, or reserved or refunded (including tax refunds on purchases) in whole or in part

How does BEA Flyer World Mastercard Compare to Other Cards?

Read our comparisons of BEA Flyer World Mastercard to alternatives and learn what makes each card unique in its own way. We compare and contrast each card to highlight its value to help you identify the card that you need.

Graph showing some of Hong Kong's best credit cards in terms of value-to-consumer after two years, based on an average monthly spend of HK$12,000
BEA Flyer World Mastercard v. Standard Chartered Asia Miles Mastercard
  • Annual Fee: HKD 2,000 (waiver available)
  • Stand-Out: Up to 1.25 mi/HK$1 on dining + miles for banking w/ SC
  • Read Our Full Review
Consumers with more focused spend may want to consider Standard Chartered Asia Miles Mastercard. Cardholders earn 0.167 miles per HK$1 local spend, boosted to 0.250 miles online, overseas and on dining (0.750 with select restaurants, 1.250 on Mondays). Although BEA Flyer World Mastercard offers higher rates on everyday local spend, SC Asia Miles stands out by offering top rewards in several distinct high-spend categories.


SC Asia Miles is also generally more accessible thanks to its low HK$96,000 minimum income requirement–less than half that of BEA Flyer World Mastercard. Altogether, while BEA Flyer World Mastercard is great for consumers who spend most of their time in Hong Kong, SC Asia Miles Mastercard may be a better match for foodies, travellers, and online shoppers.

BEA Flyer World Mastercard v. Citi PremierMiles Card
  • Annual Fee: HKD 1,800 (waiver available)
  • Stand-Out: Up to 0.333 miles per HK$1 spend overseas
  • Read Our Full Review
High spending travellers who prioritise free lounge access and want to quickly accumulate miles should definitely consider Citi PremierMiles Card. Cardholders earn 0.250 miles per HK$1 online and overseas, boosted to 0.333 miles with HK$20k monthly spend. Even though local transactions only earn 0.125 miles per HK$1 spend, this rate is still above the market standard.


Citi PremierMile Card also stands out by offering a much more generous lounge perk than BEA Flyer World. Consumers can enjoy up to 12 free lounge visits per year (with HK$5k spend per visit in the following month). While there is a HK$1.8k annual fee, it's waived with a fairly reasonable HK$100,000 annual spend. Unlike with BEA Flyer World, cardholders do not need to engage with other banking products to earn a waiver.

Ultimately, higher-spenders who want to rapidly earn miles and enjoy free lounge visits may be better off with Citi PremierMiles Card.

BEA Flyer World Mastercard v. DBS Black World Mastercard
  • Annual Fee: HKD 2,000
  • Stand-Out: 45% discount on flights when redeeming miles through iGO
  • Read Our Full Review
DBS Black World Mastercard is great for frequent travellers with large overseas budgets. Cardholders earn 0.167 miles per HK$1 spend locally and 0.250 miles overseas. Consumers can then redeem these miles through DBS's iGO platform to enjoy a 45% discount on flights and travel packages. Cardholders can also opt to redeem their rewards as Asia miles, KrisFlyer Miles, Avios or Phoenix Miles without having to pay transfer or conversion fees.


DBS Black World does have an unwaivable HK$2,000 annual fee, however, making it a bit more expensive for most consumers. Nonetheless, DBS Black World Mastercard is ideal for frequent travellers who want to get the most out of their rewards; BEA Flyer World Mastercard may be better for consumers who travel less frequently.

BEA Flyer World v. SC Asia Miles
  • Annual Fee: HKD 2,000 (waiver available)
  • Stand-Out: Up to 1.25 mi/HK$1 on dining + miles for banking w/ SC
Consumers with more focused spend may want to consider Standard Chartered Asia Miles Mastercard. Cardholders earn 0.167 miles per HK$1 local spend, boosted to 0.250 miles online, overseas and on dining (0.750 with select restaurants, 1.250 on Mondays). Although BEA Flyer World Mastercard offers higher rates on everyday local spend, SC Asia Miles stands out by offering top rewards in several distinct high-spend categories.


SC Asia Miles is also generally more accessible thanks to its low HK$96,000 minimum income requirement–less than half that of BEA Flyer World Mastercard. Altogether, while BEA Flyer World Mastercard is great for consumers who spend most of their time in Hong Kong, SC Asia Miles Mastercard may be a better match for foodies, travellers, and online shoppers.

BEA Flyer World v. Citi PremierMiles
  • Annual Fee: HKD 1,800 (waiver available)
  • Stand-Out: Up to 0.333 miles per HK$1 spend overseas
High spending travellers who prioritise free lounge access and want to quickly accumulate miles should definitely consider Citi PremierMiles Card. Cardholders earn 0.250 miles per HK$1 online and overseas, boosted to 0.333 miles with HK$20k monthly spend. Even though local transactions only earn 0.125 miles per HK$1 spend, this rate is still above the market standard.


Citi PremierMile Card also stands out by offering a much more generous lounge perk than BEA Flyer World. Consumers can enjoy up to 12 free lounge visits per year (with HK$5k spend per visit in the following month). While there is a HK$1,800 annual fee, it's waived with a fairly reasonable HK$100,000 annual spend. Unlike with BEA Flyer World, cardholders do not need to engage with other banking products to earn a waiver.

Ultimately, higher-spenders who want to rapidly earn miles and enjoy free lounge visits may be better off with Citi PremierMiles Card.

BEA Flyer World v. DBS Black World
  • Annual Fee: HKD 2,000
  • Stand-Out: 45% discount on flights when redeeming miles through iGO
DBS Black World Mastercard is great for frequent travellers with large overseas budgets. Cardholders earn 0.167 miles per HK$1 spend locally and 0.250 miles overseas. Consumers can then redeem these miles through DBS's iGO platform to enjoy a 45% discount on flights and travel packages. Cardholders can also opt to redeem their rewards as Asia miles, KrisFlyer Miles, Avios or Phoenix Miles without having to pay transfer or conversion fees.


DBS Black World does have an unwaivable HK$2,000 annual fee, however, making it a bit more expensive for most consumers. Nonetheless, DBS Black World Mastercard is ideal for frequent travellers who want to get the most out of their rewards; BEA Flyer World Mastercard may be better for consumers who travel less frequently.

Jacob Weiss

Jacob is a Junior Research Analyst at ValueChampion, focusing on credit cards and other consumer financial products. Previously, he covered hedge funds and long only products for Cambridge Associates. He holds a B.S. in Finance from the University of Maryland and has passed Level 1 of the CFA exam.