BEA i-Titanium Card: Accessible Cashback for Online Shoppers

BEA i-Titanium Card: Accessible Cashback for Online Shoppers

Boosted Online Cashback

Good for

  • Frequent online shoppers
  • Low earners looking for an accessible card
  • Current BEA banking customers

Bad for

  • People who rarely shop online
  • High spenders who want to avoid rebate caps
  • Those spending less than HK$1.8k/mo

Editor's Rating

4.0/5.0

BEA i-Titanium Card is a great option for lower spenders who do most of their shopping online. Cardholders earn 3.4% cashback online after reaching a very manageable HK$1.8k minimum monthly spend requirement, and 0.4% on all other transactions. In terms of accessibility, BEA i-Titanium Card has one of the lowest minimum income requirements on the market at just HK$40k, and a low annual fee of HK$600, waived for select BEA accountholders. Altogether, BEA i-Titanium Card is ideal for consumers with limited budgets who prefer to shop online.

ProsCons
  • 3.4% cashback online
  • Very low HK$40k min. income req.
  • Low HK$600 fee, waived w/ BEA accounts
  • HK$1.8k monthly spend requirement
  • Online cashback capped at HK$200/mo
  • All offline spend earns just 0.4% rebate
Promotions:
  • Up to 10% cashback on select dining mobile pay
  • Receive HK$300 Deliveroo Cash Coupon w/ HK$2k spend in 1st 2mo, OR:
  • Receive HK$200 cashback w/ HK$2k spend in 1st 2mo
  • Receive JBL Tune12- wireless headphones w/ HK$4k spend in 1st 2mo
Card Overview
Pros:
  • 3.4% cashback online
  • Very low HK$40k min. income req.
  • Low HK$600 fee, waived w/ BEA accounts
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Receive HK$300 Deliveroo Cash Coupon w/ HK$2k spend in 1st 2mo, OR:
  • Receive HK$200 cashback w/ HK$2k spend in 1st 2mo
  • Receive JBL Tune12- wireless headphones w/ HK$4k spend in 1st 2mo
Cons:
  • HK$1.8k monthly spend requirement
  • Online cashback capped at HK$200/mo
  • All offline spend earns just 0.4% rebate

What Makes BEA i-Titanium Card Credit Card Stand Out

BEA i-Titanium Card is great for consumers with limited budgets who mostly shop online. Cardholders earn 3.4% cashback online–one of the highest rebates available for the category–plus 0.4% on all other spend. Additionally, since BEA i-Titanium has a minimum income requirement of just HK$40k, it's amongst the most accessible cards on the market. Most credit cards in Hong Kong require an income of at least HK$150k. Although there's an annual fee of HK$600, this is well below the HK$1.8k market standard, and it's waived altogether for BEA Mandatory Provident Fund, deposit, mortgage, or consumer loan account holders.

Accessibility of Comparable Cards with High Online Rebates

Credit CardIncome Req.Annual FeeOnline RewardsSpend Req.
BEA i-TitaniumHK$40kHK$600 (waiver avail.)3.40%HK$1.8k
Citi ClearHK$60kHK$3002.00%N/A
EarnMORE UP DiamondHK$150kHK$8002.00%N/A
Hang Seng MPOWERHK$150kN/A5.00%HK$3k
Citi Clear Card's 2% rebate rate applies to online spend in foreign currency only. Hang Seng MPOWER earns in Cash Dollars, which are only redeemable with select merchants.

BEA i-Titanium is not an ideal card for everyday spending, however. Consumers must spend at least HK$1.8k/month to earn boosted online rates (all other spend earns 0.4%). While this requirement is reasonable for most consumers, low spenders and consumers using BEA i-Titanium to complement an everyday card should still keep this in mind.

Example: Pairing Credit Cards to Optimise Overall Earnings

SC Simply CashBEA i-TitaniumTotal
CategoryGeneral SpendOnline
Rate1.5% Cashback3.4% Cashback
SpendHK$10,000HK$2,000HK$12,000
EarnHK$150HK$68HK$218

Finally, BEA i-Titanium has a monthly online cashback cap of HK$200. However, cardholders would need to spend at least HK$6,667 online to reach this cap, which is quite high for the average consumer. Altogether, BEA i-Titanium allows consumers to earn one of the highest online spend rebates while remaining one of the most accessible cards on the market. As such, BEA i-Titanium Card is great for people with more limited incomes who want a credit card specifically for online shopping.

How Does BEA i-Titanium Card's Rewards Program Work?

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

  • General spend rewarded as a cash rebate, credited to your account in the next statement cycle
  • Online spend rewarded in i-Dollars, credited as cash rebate to account in the next statement cycle
  • Rebates cannot be transferred between accounts, combined between cards or converted into cash
  • Rebates for a cancelled account are forfeited and cannot be refunded or transferred

BEA i-Titanium Card's Features and Benefits:

Card Overview
  • Annual Fee: HKD 600, 1-Year Waiver, fee waiver for maintaining deposit, mortgage loans, consumer loans or MPF account w/ BEA
  • Income Requirement: HKD 40,000
Rewards Rate Details
  • 3.4% cashback online (w/ HK$1.8k min. spend/mo)
  • Earn 0.4% cashback on all other spend
  • Online cashback capped at HK$200/mo
Benefits & Perks
  • Up to 48 month 0% interest instalment plans
  • BEA Year-Round Offers
Promotions:
  • Up to 10% cashback on select dining mobile pay
  • Receive HK$300 Deliveroo Cash Coupon w/ HK$2k spend in 1st 2mo, OR:
  • Receive HK$200 cashback w/ HK$2k spend in 1st 2mo
  • Receive JBL Tune12- wireless headphones w/ HK$4k spend in 1st 2mo

BEA i-Titanium Card's Rewards Exclusions

Cash advances; statement instalments; “Cash in Hand”; balance transfers; fund transfers; all online bill payments through cyberbanking (including internet, phone, ATM, and mobile banking); purchases and/or adding value to stored value cards or e-Wallets (except the Octopus Automatic Add Value Service); fees or charges (including finance charges, late charges, annual fees or any other fees or charges as determined from time to time and notified to cardholders by BEA) NOTE: Octopus Octopus Automatic Add Value Service rebates and government department spend rebates capped at combined HK$40/month
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 NOTE: Autopay or recurring payments and transactions at supermarkets, department stores, travel agencies and government departments are not eligible to earn elevated cashback

How does BEA i-Titanium Card Compare Against Other Cards?

Read our comparisons of BEA i-Titanium Card with other cards and learn what makes each one unique. We compare and contrast each card to emphasize its uniqueness to help you find 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 i-Titanium Card v. Hang Seng MPOWER Card
  • Annual Fee: Free
  • Stand-Out: Up to 5% rebate on mobile, online & overseas spend
  • Read Our Full Review
Frequent online shoppers with slightly larger budgets may want to consider Hang Seng MPOWER Card. Cardholders earn 5% Cash Dollars rebate on local dining, entertainment & fashion spend via mobile pay, as well as on online & overseas transactions of HK$300+. Cash Dollars are automatically redeemed at point-of-sale on transactions with over 7,400 local merchants, allowing consumers to quickly and easily enjoy rewards. However, cardholders must spend at least HK$3k/month to access these elevated rates; lower spenders earn the base rate of 0.4%.


While Bea i-Titanium Card offers lower online rebate rates than Hang Seng MPOWER Card, it also has lower minimum qualifying salary & minimum monthly spend requirements. As a result, BEA i-Titanium Card may be a bit more accessible, but those with higher salaries and a HK$3k+ monthly budget can earn more in rewards with Hang Seng MPOWER Card.

BEA i-Titanium Card v. EarnMORE UnionPay Diamond Card
  • Annual Fee: HKD 800
  • Stand-Out: 2% cashback on all spend + 3 free lounge visits
  • Read Our Full Review
EarnMORE UnionPay Diamond Card is great for average consumers who want high rebates on all of their purchases–with no need to track spending categories or eligible merchants. Cardholders earn 2% cashback on every local, online and overseas transaction, which is far broader than BEA i-Titanium's online-only boosted rebate.


EarnMORE UnionPay Diamond Card does, however, have an annual rewards cap of HK$2k, which can be maxed out with just HK$100k spend (about HK$8.3k/month). This may be limiting to those with larger budgets. BEA i-Titanium, on the other hand, has a far less restrictive cap (HK$200/month maxed out by HK$6.6k spend online). All in all, EarnMORE UnionPay Diamond Card is a better match for moderate spenders seeking an easy-to-use everyday card, while BEA i-Titanium is better for those seeking a card that specifically rewards online shopping.

BEA i-Titanium Card v. HSBC Red Credit Card
Higher-spending online shoppers who want to avoid rewards caps completely should definitely consider HSBC Red Credit Card. Cardholders earn an uncapped 4% rebate online, 2% with local supermarkets, and 1% on all other spend. Because there are no cashback caps, HSBC Red is a great match for those with large shopping budgets. However, since it has a lower minimum income requirement, BEA i-Titanium is a more accessible option for low earners. Overall, HSBC Red Card is better for high spenders who want unlimited online cashback, while BEA i-Titanium is a great alternative for online shoppers with more limited incomes.
BEA i-Titanium Card v. Citi Clear Card
Citi Clear Card is great for frequent overseas shoppers who want a low-cost and low-maintenance card that will reward their online sprees. Cardholders earn 2% cashback for their online overseas spend and 0.4% on all other transactions, with no minimum spend requirements. While consumers must pay an annual fee, it's remarkably low, at just HK$300.


BEA i-Titanium offers a higher online rebate, but it also has a minimum spend requirement of HK$1.8k and a HK$600 annual fee–double the cost of Citi Clear Card. Consumers who want a hassle-free card specificly for online overseas shopping can benefit from Citi Clear Card.

BEA i-Titanium Card v. DBS COMPASS Visa Card
  • Annual Fee: HKD 1,800
  • Stand-Out: 3% rebate w/ Taobao & Tmall, 1% w/ other local merchants
  • Read Our Full Review
Consumers who mainly shop in-person with well-known vendors may be better off with DBS COMPASS Visa Card than with BEA i-Titanium Card. Cardholders earn a 3% COMPASS Dollars rebate with online vendors Taobao and Tmall, and a 1% COMPASS Dollars rebate with retail chains like Watsons, PARKnSHOP, FORTRESS & more. While consumers earn lower rebates online than they would with BEA i-Titanium, they earn higher offline & in-store rates, as long as they shop with eligible merchants. Altogether, brand loyalists who prefer to shop in-store may prefer DBS COMPASS Visa to BEA i-Titanium Card.
BEA i-Titanium v. Hang Seng MPOWER
  • Annual Fee: Free
  • Stand-Out: Up to 5% rebate on mobile, online & overseas spend
Frequent online shoppers with slightly larger budgets may want to consider Hang Seng MPOWER Card. Cardholders earn 5% Cash Dollars rebate on local dining, entertainment & fashion spend via mobile pay, as well as on online & overseas transactions of HK$300+. Cash Dollars are automatically redeemed at point-of-sale on transactions with over 7,400 local merchants, allowing consumers to quickly and easily enjoy rewards. However, cardholders must spend at least HK$3k/month to access these elevated rates; lower spenders earn the base rate of 0.4%.


While Bea i-Titanium Card offers lower online rebate rates than Hang Seng MPOWER Card, it also has lower minimum qualifying salary & minimum monthly spend requirements. As a result, BEA i-Titanium Card may be a bit more accessible, but those with higher salaries and a HK$3k+ monthly budget can earn more in rewards with Hang Seng MPOWER Card.

BEA i-Titanium v. EarnMORE UP Diamond
  • Annual Fee: HKD 800
  • Stand-Out: 2% cashback on all spend + 3 free lounge visits
EarnMORE UnionPay Diamond Card is great for average consumers who want high rebates on all of their purchases–with no need to track spending categories or eligible merchants. Cardholders earn 2% cashback on every local, online and overseas transaction, which is far broader than BEA i-Titanium's online-only boosted rebate.


EarnMORE UnionPay Diamond Card does, however, have an annual rewards cap of HK$2k, which can be maxed out with just HK$100k spend (about HK$8.3k/month). This may be limiting to those with larger budgets. BEA i-Titanium, on the other hand, has a far less restrictive cap (HK$200/month maxed out by HK$6.6k spend online). All in all, EarnMORE UnionPay Diamond Card is a better match for moderate spenders seeking an easy-to-use everyday card, while BEA i-Titanium is better for those seeking a card that specifically rewards online shopping.

BEA i-Titanium v. HSBC Red
  • Annual Fee: Free
  • Stand-Out: Unltd. 4% cashback online, 2% on groceries
Higher-spending online shoppers who want to avoid rewards caps completely should definitely consider HSBC Red Credit Card. Cardholders earn an uncapped 4% rebate online, 2% with local supermarkets, and 1% on all other spend. Because there are no cashback caps, HSBC Red is a great match for those with large shopping budgets. However, since it has a lower minimum income requirement, BEA i-Titanium is a more accessible option for low earners. Overall, HSBC Red Card is better for high spenders who want unlimited online cashback, while BEA i-Titanium is a great alternative for online shoppers with more limited incomes.
BEA i-Titanium v. Citi Clear
  • Annual Fee: HKD 300
  • Stand-Out: 2% cashback on online overseas shopping
Citi Clear Card is great for frequent overseas shoppers who want a low-cost and low-maintenance card that will reward their online sprees. Cardholders earn 2% cashback for their online overseas spend and 0.4% on all other transactions, with no minimum spend requirements. While consumers must pay an annual fee, it's remarkably low, at just HK$300.


BEA i-Titanium offers a higher online rebate, but it also has a minimum spend requirement of HK$1.8k and a HK$600 annual fee–double the cost of Citi Clear Card. Consumers who want a hassle-free card specificly for online overseas shopping can benefit from Citi Clear Card.

BEA i-Titanium v. DBS COMPASS Visa
  • Annual Fee: HKD 1,800
  • Stand-Out: 3% rebate w/ Taobao & Tmall, 1% w/ other local merchants
Consumers who mainly shop in-person with well-known vendors may be better off with DBS COMPASS Visa Card than with BEA i-Titanium Card. Cardholders earn a 3% COMPASS Dollars rebate with online vendors Taobao and Tmall, and a 1% COMPASS Dollars rebate with retail chains like Watsons, PARKnSHOP, FORTRESS & more. While consumers earn lower rebates online than they would with BEA i-Titanium, they earn higher offline & in-store rates, as long as they shop with eligible merchants. Altogether, brand loyalists who prefer to shop in-store may prefer DBS COMPASS Visa to BEA i-Titanium Card.
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.