Consumer Loans

Key Facts Statement/Schedule of Fees and Charges

Enjoy standby cash with a BEA revolving loan. Your credit limit will be automatically restored with each repayment – there is no need to re-apply. Enjoy 0% interest for the first 6 months, with a fixed monthly handling fee as low as HK$100¹. 

Successfully apply to enjoy the following offers:

• Up to a 4-month fixed monthly handling fee rebate²
• Perpetual withdrawal fee waiver
• First year waiver for annual fee
• Credit limit of up to 6 times your monthly basic salary (maximum HK$500,000)

1. After opening the revolving loan account, the fixed monthly handling fee will be charged monthly to the customer’s account on the next business day after the statement date for the first 6 months, and the amount will be shown on the next statement. The customer is required to settle the minimum payment due or the statement balance shown on the Revolving Loan Statement (the “Statement”) on or before the payment due date specified on the Statement. A late charge as specified in the Revolving Loan Terms and Conditions will apply if the minimum payment due shown on the Statement is not paid in full on or before the payment due date.

2. The 4-month fixed monthly handling fee rebate applies only to customers who submit a revolving loan statement from another bank for the past month showing the word “Revolving” upon application. Customers who do not submit any valid revolving loan statement can enjoy a 2-month fixed monthly handling fee rebate.

3. The annualised percentage rates (“APRs”) are calculated according to the standard method set out in the Code of Banking Practice and are rounded up or down to the nearest 2 decimal places. The APRs are calculated based on the lowest credit limit in each of the credit limit ranges, i.e. HK$5,000, HK$51,000, HK$101,000, and HK$201,000. The APRs include the fixed monthly handling fee for the first 6 months at 0% interest and the standard interest rate from month 7 onwards (rebate amount is not included). The APRs are for reference only. Please note that actual APRs may differ.

*Cash withdrawals and transfer via ATM and Cyberbanking are subject to a combined limit of HK$30,000 or its equivalent per card per calendar day.

Terms and Conditions

Application Hotline 2211 1438

Monday to Friday 10 a.m. to 6 p.m. 
Saturday 10 a.m to 2 p.m. (except public holidays)