How the rewards add up?

How to calculate your rewards

Refer to the tabs below for examples of each reward mode:

Cash Rebates Mode

Let's look at the example of Ms. Debby who is our SupremeGold customer:
Debby successfully applied for and activated her BEA Mastercard Debit Card on 5 May 2026, and kept the default Cash Rebates mode.

Date Transaction Cash Rebates Earned Through This Promotion Cash Rebates Fulfilment Arrangement
10 May 2026 Spent HK$6,000 at online store

+HK$90
  • Basic HK$30 Cash Rebates
    credited on the next business day after posting
  • Extra HK$60 Cash Rebates1
    credited on or before 31 October 2026
15 May 2026 Spent JPY100,000 (approx. HK$5,000) at a drugstore in Japan

+HK$60
  • First HK$4,000 spending
    Basic HK$20 Cash Rebates - credited on the next business day after posting
    Extra HK$40 Cash Rebates - credited on or before 31 October 2026
  • Subsequent HK$1,000 spending2
    Basic HK$5 Cash Rebates - credited on the next business day after posting

👉 The maximum eligible retail spending amount of HK$10,000 has been reached. Debby earned HK$150 Cash Rebates under this Promotion, along with Basic HK$5 Cash Rebates on subsequent spending.
20 June 2026 Deposited HK$100,000 at a branch Requirement not met -
25 June 2026 Converted HK$40,000 from account to approx. USD5,100 via BEA Mobile

Reached the 1st tier +HK30

 Cumulative foreign currency exchange amount has reached HK$30,000 and the reward will be credited on or before 31 October 2026
26 June 2026 Converted HK$30,000 in new funds to approx. EUR3,300 in cash at a branch Not eligible Foreign currency transactions conducted at branches are not eligible for this Promotion
28 June 2026 Deposited HK$10,900 online and converted it to RMB10,000

Reached the top tier +HK$50

 Cumulative foreign currency exchange amount has reached HK$50,000, the reward will be granted based on the highest reward tier and will be credited on or before 31 October 2026

Tips: Once a higher reward is reached, the lower-tier reward will not be awarded
1 July 2026 Local retail spending HK5,000 - Basic HK$25 Cash Rebates – credited on the next business day after posting
31 August 2026 Maintained a deposit balance of HK$50,000 or above for 2 consecutive months

+HK$50

 Reward will be credited on or before 31 October 2026

A chance to obtain two complimentary Plaza Premium Lounge Access,
the reward will be credited on or before 31 October 2026.

Through this Promotion, Debby successfully became one of the first 50 Eligible Customers in May and July to reach cumulative Eligible Retail Spending of HK$5,000 and received the "Monthly Limited-Time Reward", while earning a total of HK$250 Cash Rebates:

Retail Spending Reward

HK$150

Foreign Currency Transaction Reward

HK$50

Deposit Reward

HK$50

Monthly Limited-Time Reward

Two complimentary Plaza Premium Lounge Access3

  1. 1 Extra rewards will be awarded based on your spending rewards setting as of the Promotion end date.
  2. 2 Subsequent spending is not eligible for Extra rewards under this Promotion.
  3. 3 The Monthly Limited-Time Reward shall be determined based on Eligible Retail Spending transactions that have been posted to the relevant Debit Card Account. Quota for each month is limited and available on a first-come-first-served basis while quota lasts.

Let's look at the example of Emcy Y who is our Supreme customer:
Emcy Y successfully applied for and activated her BEA Mastercard Debit Card on 5 May 2026. Emcy Y switched to the Bonus Points mode, which will take effect in the following month.

Date Transaction Bonus Points Earned Through This Promotion Bonus Points Fulfilment Arrangement
10 May 2026 Spent HK$5,000 at a local supermarket

+10,000
  • Basic 5,000 Bonus Points
    credited into Credit Card Account on the first business day of the following month
  • Extra 5,000 Bonus Points1
    credited on or before 31 October 2026
15 May 2026 Spent GBP500 (approx. HK$5,000) at a UK-based online store

+10,000
  • Basic 5,000 Bonus Points
    credited into Credit Card Account on the first business day of the following month
  • Extra 5,000 Bonus Points
    credited on or before 31 October 2026

👉 The maximum eligible retail spending amount of HK$10,000 has been reached, and Emcy Y has earned 20,000 Bonus Points under this Promotion
1 June 2026 Deposited HK$29,000 at a branch Requirement not met -
10 June 2026 Converted HK$15,000 from account to approx. GBP1,500 via BEA Mobile Requirement not met -
19 June 2026 Deposited HK$21,800 online and converted it to RMB20,000

+15,000

 Cumulative foreign currency exchange amount has reached HK$30,000 and reward will be credited on or before 31 October 2026
31 August 2026 Maintained a deposit balance of over HK$50,000 for 2 consecutive months

+25,000

 Reward will be credited on or before 31 October 2026

A chance to obtain one complimentary Plaza Premium Lounge Access,
the reward will be credited on or before 31 October 2026.

Through this Promotion, Emcy Y successfully became one of the first 50 Eligible Customers in May to reach cumulative Eligible Retail Spending of HK$5,000 and received the "Monthly Limited-Time Reward", while earning a total of 60,000 Bonus Points:

Retail Spending Reward

20,000 Bonus Points

Foreign Currency Transaction Reward

15,000 Bonus Points

Deposit Reward

25,000 Bonus Points

Monthly Limited-Time Reward

One complimentary Plaza Premium Lounge Access3

  1. 1 Extra rewards will be awarded based on your spending rewards setting as of the Promotion end date.
  2. 2 Subsequent spending is not eligible for Extra rewards under this Promotion.
  3. 3 The Monthly Limited-Time Reward shall be determined based on Eligible Retail Spending transactions that have been posted to the relevant Debit Card Account. Quota for each month is limited and available on a first-come-first-served basis while quota lasts.

Let's look at the example of Carson who is our BEA GOAL customer:
Carson successfully applied for and activated his BEA Mastercard Debit Card on 12 May 2026, and switched to the Bonus Points mode, which will take effect in the following month.

Date Transaction Cash Rebates / Bonus Points Earned Through This Promotion Cash Rebates /
Bonus Points Fulfilment Arrangement
15 May 2026 Spent HK$5,000 at a local restaurant

+HK$75 Cash Rebates / +HK$25 Cash Rebates & Extra 5,000 Bonus Points
  • Basic HK$25 Cash Rebates
    credited on the next business day after posting
  • Extra HK$50 Cash Rebates or Extra 5,000 Bonus Points1
    credited on or before 31 October 2026

Tips: The Bonus Points mode will take effect on the 1st of the following month
3 June 2026 Spent EUR1,000 (approx. HK$9,300) at a department store in France

+10,000 Bonus Points / + Basic 5,000 Bonus Points & Extra HK$50 Cash Rebates
  • First HK$5,000 spending
    Basic 5,000 Bonus Points - credited into Credit Card Account on the first business day of the following month
    Extra 5,000 Bonus Points or Extra HK$50 Cash Rebates - credited on or before 31 October 2026
  • Subsequent HK$4,300 spending2:
    Basic 4,300 Bonus Points - credited into Credit Card Account on the first business day of the following month

👉 The maximum eligible retail spending amount of HK$10,000 has been reached. Under this Promotion, Carson has earned HK$75 Cash Rebates / HK$25 Cash Rebates & Extra 5,000 Bonus Points; 10,000 Bonus Points / 5,000 Bonus Points and HK$50 in Cash Rebates, along with 4,300 Bonus Points on subsequent spending.
15 June 2026 Deposited HK$50,000 at a branch Requirement not met -
26 June 2026 Deposited HK$20,000 in new funds and converted it to approx. USD 5,000 via BEA Online Requirement not met -
10 July 2026 Converted HK$20,000 in new funds to approx. GBP2,100 at a branch Not eligible Foreign currency transactions conducted at branches are not eligible for this Promotion
19 July 2026 Converted HK$50,000 from account to approx. CAD9,000

+25,000 Bonus Points / HK$50 Cash Rebates

 Reward will be credited on or before 31 October 2026
31 August 2026 Maintained a deposit balance of HK$50,000 or above for 2 consecutive months

+25,000 Bonus Points / HK$50 Cash Rebates

 Reward will be credited on or before 31 October 2026

A chance to obtain one complimentary Plaza Premium Lounge Access,
the reward will be credited on or before 31 October 2026.

If Carson's spending rewards setting is Cash Rebates as of the Promotion end date

Through this Promotion, Carson successfully became one of the first 50 Eligible Customers in May to reach cumulative Eligible Retail Spending of HK$5,000 and received the "Monthly Limited-Time Reward", HK$225 Cash Rebates and 5,000 Bonus Points:

Retail Spending Reward

HK$125 in Cash Rebates + 5,000 Bonus Points

Foreign Currency Transaction Reward

HK$50 Cash Rebates

Deposit Reward

HK$50 Cash Rebates

Monthly Limited-Time Reward

One complimentary Plaza Premium Lounge Access3

If Carson's spending rewards setting is Bonus Points as of the Promotion end date

Through this Promotion, Carson successfully became one of the first 50 Eligible Customers in May to reach cumulative Eligible Retail Spending of HK$5,000 and received the "Monthly Limited-Time Reward", HK$25 Cash Rebates and 65,000 Bonus Points:

Retail Spending Reward

HK$25 in Cash Rebates + 15,000 Bonus Points

Foreign Currency Transaction Reward

25,000 Bonus Points

Deposit Reward

25,000 Bonus Points

Monthly Limited-Time Reward

One complimentary Plaza Premium Lounge Access3

  1. 1 Extra rewards will be awarded based on your spending rewards setting as of the Promotion end date.
  2. 2 Subsequent spending is not eligible for Extra rewards under this Promotion.
  3. 3 The Monthly Limited-Time Reward shall be determined based on Eligible Retail Spending transactions that have been posted to the relevant Debit Card Account. Quota for each month is limited and available on a first-come-first-served basis while quota lasts.