Best BEA Credit Cards in Hong Kong 2020

Bank of East Asia (BEA) offers a number of credit cards with highly competitive cashback and miles rates with the added benefit of no annual fee for bank account holders. We’ve reviewed every BEA credit card in Hong Kong and categorised them based on miles rates, cashback and benefits for students.

Best BEA Credit Card for Students
Best BEA Credit Cards for Cashback
Best BEA Credit Cards for Air Miles

Compare Best DBS Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best BEA credit cards on the market to estimate each card's value to consumers after 2 years, accounting for rebates and netting out annual fees. Note that value-to-consumer calculations depend heavily on individual spending habits, and intangible benefits like free travel insurance and airport lounge access are valuable but difficult to quantify.

A graph displaying how best BEA credit cards compare to one another in terms of their rewards
Best BEA Credit Cards in Hong Kong by Estimated 2-Year Dollar Value
Best BEA Credit Card for Students Best BEA Credit Cards for Cashback Best BEA Credit Cards for Air Miles

Compare Best DBS Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best BEA credit cards on the market to estimate each card's value to consumers after 2 years, accounting for rebates and netting out annual fees. Note that value-to-consumer calculations depend heavily on individual spending habits, and intangible benefits like free travel insurance and airport lounge access are valuable but difficult to quantify.

A graph displaying how best BEA credit cards compare to one another in terms of their rewards
Best BEA Credit Cards in Hong Kong by Estimated 2-Year Dollar Value

Best BEA Credit Card for Students

This BEA credit card is a great choice for students looking for top rewards for their online spend. Unlike many cashback cards, this card has no minimum income requirement for university students, making it one of the most accessible on the market.

BEA i-Titanium Card: High Online Rebate and No Income Requirement for Students

  • Competitive 3.4% rebate on online spend
  • 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
  • Read Our Full Review
BEA i-Titanium Card is an excellent choice for students looking for top cashback rates on their online spending. With HK$1,800 spend per month, cardholders earn a 3% i-Dollar rebate for online spending in addition to the 0.4% general cashback rate, resulting in a highly competitive 3.4%.


While the HK$40,000 minimum annual income requirement is already very low by market standards, full-time tertiary students can waive this salary requirement entirely. What’s more, BEA deposit, Mandatory Provident Fund, consumer or mortgage loan account holders can perpetually waive the HK$600 annual fee, which means you keep all of the rewards you earn.

Competitor cards like Standard Chartered Simply Cash Visa offer flat cashback rates that are significantly higher than this card’s 0.4%, but BEA i-Titanium cardholders can make the most of a limited budget by doing all of their spending online. Overall, this is a good card for students with limited or no income looking to maximize their cashback.

  • HK$40k min. annual salary (waived for students)
  • Annual fee: HK$600, waived w/ select BEA accounts
  • 3.4% cashback online w/ HK$1.8k/mo spend (0.4% if below)
  • 0.4% cashback on other local & overseas purchases
  • Up to 48 month 0% interest instalment plans
  • BEA Year-Round Offers
  • Stand-Out: Competitive 3.4% rebate on online spend
  • 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
  • Read Our Full Review
BEA i-Titanium Card is an excellent choice for students looking for top cashback rates on their online spending. With HK$1,800 spend per month, cardholders earn a 3% i-Dollar rebate for online spending in addition to the 0.4% general cashback rate, resulting in a highly competitive 3.4%.


While the HK$40,000 minimum annual income requirement is already very low by market standards, full-time tertiary students can waive this salary requirement entirely. What’s more, BEA deposit, Mandatory Provident Fund, consumer or mortgage loan account holders can perpetually waive the HK$600 annual fee, which means you keep all of the rewards you earn.

Competitor cards like Standard Chartered Simply Cash Visa offer flat cashback rates that are significantly higher than this card’s 0.4%, but BEA i-Titanium cardholders can make the most of a limited budget by doing all of their spending online. Overall, this is a good card for students with limited or no income looking to maximize their cashback.

  • HK$40k min. annual salary (waived for students)
  • Annual fee: HK$600, waived w/ select BEA accounts
  • 3.4% cashback online w/ HK$1.8k/mo spend (0.4% if below)
  • 0.4% cashback on other local & overseas purchases
  • Up to 48 month 0% interest instalment plans
  • BEA Year-Round Offers

Best BEA Credit Cards for Cashback

BEA cashback credit cards offer high rewards to consumers who spend in specific categories. While other cashback credit cards offer better flat rates across your spending, these BEA cards allow you to optimize rebates by spending in specific categories.

BEA Visa Signature Card: Top Cashback on Dining

  • 2.4% cashback on local dining spend
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Up to 20% off on MCL Cinemas movie tickets
  • Read Our Full Review
Higher-income consumers who tend to spend on dining at restaurants should definitely consider BEA Visa Signature Card. Cardholders earn a very respectable 2.4% cashback on local dining and 1.6% for spend overseas, making it great for earning rewards when eating out as well as during travel.


BEA Visa Signature Card also offers cardholders top entertainment perks. You can enjoy 20% off on movie tickets at MCL Cinemas as well as steep restaurant discounts with exclusive Visa Signature and BEA Year-Round Offers access.

Although the HK$240,000 income requirement means this card is not accessible to everyone, foodies with a relatively high salary can earn impressive cashback and discounts on dining with BEA Visa Signature Card.

  • HK$240k min. annual salary
  • Annual Fee: HK$1.8k, waived w/ select BEA accounts
  • 2.4% cashback on other local dining
  • 1.6% cashback on overseas spend
  • 0.4% cashback on general spend
  • Stand-Out: 2.4% cashback on local dining spend
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Up to 20% off on MCL Cinemas movie tickets
  • Read Our Full Review
Higher-income consumers who tend to spend on dining at restaurants should definitely consider BEA Visa Signature Card. Cardholders earn a very respectable 2.4% cashback on local dining and 1.6% for spend overseas, making it great for earning rewards when eating out as well as during travel.


BEA Visa Signature Card also offers cardholders top entertainment perks. You can enjoy 20% off on movie tickets at MCL Cinemas as well as steep restaurant discounts with exclusive Visa Signature and BEA Year-Round Offers access.

Although the HK$240,000 income requirement means this card is not accessible to everyone, foodies with a relatively high salary can earn impressive cashback and discounts on dining with BEA Visa Signature Card.

  • HK$240k min. annual salary
  • Annual Fee: HK$1.8k, waived w/ select BEA accounts
  • 2.4% cashback on other local dining
  • 1.6% cashback on overseas spend
  • 0.4% cashback on general spend

BEA UnionPay Dual Currency PLATINUM Credit Card: Convenient Mainland China Travel

  • 1.2% cashback on dining, 0.8% on general retail
  • Promotions: Receive HK$300 HKTV MALL Cash Coupons w/ HK$2k spend in 1st 2mo, OR:
  • Receive HK$200 cashback w/ HK$2k spend in 1st 2mo
  • Read Our Full Review
BEA UnionPay Dual Currency PLATINUM Card is an accessible choice for consumers looking for boosted cashback when dining out. Cardholders earn 1.2% cashback on local dining plus 0.8% on online and offline local retail, which is significantly higher than the average market rate.


A standout cashback feature of this card is its remarkable 10% cashback on mobile payments at local eateries through the BEA Days programme. With HK$2,000 monthly spending, you earn a 10% rebate for shopping at bakeries, fast food restaurants and coffee shops through Apple Pay and Google Pay.

Finally, frequent travellers to mainland China can enjoy simplified spending with waived foreign currency transaction fees and separate account billing for HKD and RMB transactions. If you spend a significant portion of your budget on dining and eating out, BEA UnionPay Dual Currency PLATINUM Credit Card may be a good choice for you.

  • Annual fee: HK$600, waived w/ select BEA accounts
  • 10% cashback on local mobile pay w/ fast food & more w/ HK$2k/mo spend (1.2% if below)
  • 1.2% cashback on other local dining
  • 0.8% cashback on other purchases
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived
  • Read Our Full Review
  • Stand-Out: 1.2% cashback on dining, 0.8% on general retail
  • Promotions: Receive HK$300 HKTV MALL Cash Coupons w/ HK$2k spend in 1st 2mo, OR:
  • Receive HK$200 cashback w/ HK$2k spend in 1st 2mo
BEA UnionPay Dual Currency PLATINUM Card is an accessible choice for consumers looking for boosted cashback when dining out. Cardholders earn 1.2% cashback on local dining plus 0.8% on online and offline local retail, which is significantly higher than the average market rate.


A standout cashback feature of this card is its remarkable 10% cashback on mobile payments at local eateries through the BEA Days programme. With HK$2,000 monthly spending, you earn a 10% rebate for shopping at bakeries, fast food restaurants and coffee shops through Apple Pay and Google Pay.

Finally, frequent travellers to mainland China can enjoy simplified spending with waived foreign currency transaction fees and separate account billing for HKD and RMB transactions. If you spend a significant portion of your budget on dining and eating out, BEA UnionPay Dual Currency PLATINUM Credit Card may be a good choice for you.

  • Annual fee: HK$600, waived w/ select BEA accounts
  • 10% cashback on local mobile pay w/ fast food & more w/ HK$2k/mo spend (1.2% if below)
  • 1.2% cashback on other local dining
  • 0.8% cashback on other purchases
  • Dual Currency: HKD and RMB spend separately billed
  • Foreign currency transaction fees waived

Best BEA Credit Cards for Air Miles

If you have a relatively high salary and are looking to gain impressive miles on your spend, these BEA air miles credit cards are definitely worth considering. Like other BEA cards, maintaining a banking relationship with BEA means you can perpetually waive the annual fee, a significant advantage over competitor cards.

BEA Flyer World Mastercard: High Miles Rates and Generous Travel Perks

  • Earn 0.2 miles/HK$1 on day-to-day spend
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Up to 20% off on MCL Cinemas movie tickets
  • Read Our Full Review
BEA Flyer World Mastercard is great for occasional travellers who spend a great deal of their budget locally. Cardholders earn 0.125 miles per HK$1 spend at supermarkets, department stores, travel agencies & government agencies, boosted to 0.200 miles everywhere else–amongst the highest general spend rates on the market.


Local spenders can also often benefit from entertainment perks like access to the Hong Kong Jockey Club Visitor Box and discounted movie tickets. And, when they do fly abroad, consumers can also enjoy discounted lounge access for just US$32 per visit.

Although BEA Flyer World Mastercard does have a HK$1.8k annual fee, this is waived for BEA mortgage, consumer loan, deposit or Mandatory Provident Fund account holders. Ultimately, BEA Flyer World Mastercard is ideal for occasional travellers who want to quickly earn miles on their everyday spend.

  • HK$240k min. annual salary:
  • Annual fee: HK$1.8k, 1st year fee waiver, waived perpetually w/ select BEA accounts
  • 0.125 miles per HK$1 supermarket, department store, travel agency & government agency spend
  • 0.200 miles per HK$1 other spend
  • Access to over 1000 airport lounges, US$32 per person per visit
  • Up to 55% off Blue Care Medical Centre check-up plans
  • Stand-Out: Earn 0.2 miles/HK$1 on day-to-day spend
  • Promotions: Up to 10% cashback on select dining mobile pay
  • Up to 20% off on MCL Cinemas movie tickets
  • Read Our Full Review
BEA Flyer World Mastercard is great for occasional travellers who spend a great deal of their budget locally. Cardholders earn 0.125 miles per HK$1 spend at supermarkets, department stores, travel agencies & government agencies, boosted to 0.200 miles everywhere else–amongst the highest general spend rates on the market.


Local spenders can also often benefit from entertainment perks like access to the Hong Kong Jockey Club Visitor Box and discounted movie tickets. And, when they do fly abroad, consumers can also enjoy discounted lounge access for just US$32 per visit.

Although BEA Flyer World Mastercard does have a HK$1.8k annual fee, this is waived for BEA mortgage, consumer loan, deposit or Mandatory Provident Fund account holders. Ultimately, BEA Flyer World Mastercard is ideal for occasional travellers who want to quickly earn miles on their everyday spend.

  • HK$240k min. annual salary:
  • Annual fee: HK$1.8k, 1st year fee waiver, waived perpetually w/ select BEA accounts
  • 0.125 miles per HK$1 supermarket, department store, travel agency & government agency spend
  • 0.200 miles per HK$1 other spend
  • Access to over 1000 airport lounges, US$32 per person per visit
  • Up to 55% off Blue Care Medical Centre check-up plans

BEA World Mastercard: Choose Between Rapid Miles or High Dining Cashback

  • Top miles rates or dining rewards that match your lifestyle
  • Promotions: Recive HK$400 cashback w/ HK$6k spend in 1st 2mo
  • Receive 40k bonus points (equivalent to 5k miles) w/ HK$6k spend in 1st 2mo
BEA World Mastercard offers the choice between earning highly competitive cashback or miles rewards for your spending. The first option is to enroll in the BEA Mileage Reward programme and boost the general 0.125 rate to 0.200 miles per HK$1 spend on dining and online shopping. Otherwise, cardholders can join the BEA Dining Reward programme and earn 1.6% cashback on local dining transactions.


Frequent travellers can enjoy competitive travel perks like 6 discounted limousine trips from Hong Kong International Airport to any destination in Hong Kong per year. Other perks include free travel insurance and for BEA Mileage Reward programme enrolees, conversion of points to Asia Miles for no handling fee.

One shortfall of this card is it doesn’t offer boosted miles rewards or discounts when buying flights with specific airlines, like American Express Cathay Pacific Credit Card. Despite this, the top miles rewards and generous perks make this card a great option for frequent travellers who tend to spend in specific categories.

  • HK$240k min. annual salary
  • Annual fee: HK$3k, waived perpetually w/ select BEA accounts
  • 0.125 miles per HK$1 supermarket, department store, travel agency & government agency spend
  • 0.200 miles per HK$1 other spend
  • 1.6% cashback on dining spend
  • Access to over 1000 airport lounges, US$32 per person per visit
  • Up to 55% off Blue Care Medical Centre check-up plans
  • Stand-Out: Top miles rates or dining rewards that match your lifestyle
  • Promotions: Recive HK$400 cashback w/ HK$6k spend in 1st 2mo
  • Receive 40k bonus points (equivalent to 5k miles) w/ HK$6k spend in 1st 2mo
BEA World Mastercard offers the choice between earning highly competitive cashback or miles rewards for your spending. The first option is to enroll in the BEA Mileage Reward programme and boost the general 0.125 rate to 0.200 miles per HK$1 spend on dining and online shopping. Otherwise, cardholders can join the BEA Dining Reward programme and earn 1.6% cashback on local dining transactions.


Frequent travellers can enjoy competitive travel perks like 6 discounted limousine trips from Hong Kong International Airport to any destination in Hong Kong per year. Other perks include free travel insurance and for BEA Mileage Reward programme enrolees, conversion of points to Asia Miles for no handling fee.

One shortfall of this card is it doesn’t offer boosted miles rewards or discounts when buying flights with specific airlines, like American Express Cathay Pacific Credit Card. Despite this, the top miles rewards and generous perks make this card a great option for frequent travellers who tend to spend in specific categories.

  • HK$240k min. annual salary
  • Annual fee: HK$3k, waived perpetually w/ select BEA accounts
  • 0.125 miles per HK$1 supermarket, department store, travel agency & government agency spend
  • 0.200 miles per HK$1 other spend
  • 1.6% cashback on dining spend
  • Access to over 1000 airport lounges, US$32 per person per visit
  • Up to 55% off Blue Care Medical Centre check-up plans

Other BEA Credit Cards on the Market

While these BEA credit cards are not the most competitive on the market, they still offer useful features and rewards that may match your lifestyle. BEA JCB PLATINUM Credit Card offers a relatively low 0.4% cashback on general spending, which is outperformed by many competitor cards. However, it is worth considering if you frequently travel to Japan, as the JCB Platinum Restaurant Service offers a very generous buy 1 get one 1 free deal at a list of outstanding Japanese restaurants.

Another available option is BEA PLATINUM Card, offered both as a Mastercard and Visa. Both of these cards offer a modest 0.4% cashback on local and overseas spending, as well as access to the respective issuer’s rewards programmes. While these rewards have some cashback potential, BEA PLATINUM Card’s flat cashback rate is outshone by many other cashback credit cards on the market.

While these BEA credit cards are not the most competitive on the market, they still offer useful features and rewards that may match your lifestyle. BEA JCB PLATINUM Credit Card offers a relatively low 0.4% cashback on general spending, which is outperformed by many competitor cards. However, it is worth considering if you frequently travel to Japan, as the JCB Platinum Restaurant Service offers a very generous buy 1 get one 1 free deal at a list of outstanding Japanese restaurants.

Another available option is BEA PLATINUM Card, offered both as a Mastercard and Visa. Both of these cards offer a modest 0.4% cashback on local and overseas spending, as well as access to the respective issuer’s rewards programmes. While these rewards have some cashback potential, BEA PLATINUM Card’s flat cashback rate is outshone by many other cashback credit cards on the market.

Kevin Schwartz

Kevin is a Junior Research Analyst at ValueChampion, specialising in credit cards in Hong Kong. He previously worked for the U.S. Congress as well as in international education in Beijing. He holds a B.A. in International Studies and Chinese from the College of the Holy Cross.