The Bank of East Asia

Personal Banking

Bonus Gallery Terms & Conditions

A. General Terms and Conditions

Eligible Cards

1. The Bonus Gallery Programme (the “Programme”) is only applicable to principal cardholders of BEA SupremeGold World Mastercard, BEA World Mastercard, BEA Flyer World Mastercard, BEA Visa Signature Card, BEA Visa PLATINUM Card, BEA Mastercard PLATINUM Card, BEA UnionPay Dual Currency PLATINUM Card, BEA Gold Card, BEA Classic Card, and other affinity or co-branded Cards (“Eligible Cards”).
The BEA i-Titanium Card, BEA JCB PLATINUM Card, and BEA Corporate Card are ineligible to participate in the Programme. The list of Eligible Cards is subject to be amended by The Bank of East Asia, Limited (the “Bank”) from time to time with prior notice.

Conversion Rate and Eligible Transactions

2. Cardholders will earn 1 Bonus Point for every HK$1 (1 Bonus Point for every HKD1/CNY1 for the BEA UnionPay Dual Currency PLATINUM Credit Card) they spend on transactions (rounded down to the nearest dollar for every individual transaction, not counting cents) made with their Eligible Card. The transactions is determined by their post date. Each principal card account and related supplementary card account(s) will be treated as one eligible account. No Bonus Points will be offered for transactions involving:
a) Cash advances;
b) Statement instalments, “Cash in Hand”, balance transfers, and fund transfers;
c) Purchases and/or adding value to stored-value cards or e-Wallets (except PayMe/ Octopus Automatic Add Value Service);
d) Selected online bill payments (including but not limited to Banking & Credit Card Services, Credit Services, Securities Trading, Tax Payment, Education, and Insurance) through Cyberbanking, including Internet, phone, ATM, and Mobile Banking channels. Effective from 1st May, 2018, No bill payments through Cyberbanking (including internet, phone, ATM, and mobile channels) will be entitled to any Bonus Points;
e) Casino chips;
f) Fees or charges, including finance charges, late charges, annual fees or any other fees or charges;
g) Payments which are unposted or posted but subsequently cancelled, or reserved or refunded (including tax refunds on purchases) in whole or in part.

For a purchase under an interest-free instalment programme, the cardholder will earn 1 Bonus Point for every HK$1 in each instalment amount as and when it is posted to their Eligible Card account. Postings for such amounts may be in a lump sum or in instalments, depending on the types and features of the instalment programme. 

The Bank reserves the final right to determine whether a cardholder is entitled to receive Bonus Points for any transaction amount in the event that said cardholder’s BEA Credit Card account balance exceeds the original specified credit limit.
 
Effective from 1st May, 2018, there will be a monthly cap (per calendar month) of 10,000 Bonus Points earned for transactions made under the Government Department categories and for reloads through the Octopus Automatic Added Value Service. Transaction categories shall be determined at the sole and absolute discretion of BEA according to the merchant codes issued by VISA International/Mastercard Asia/Pacific (Hong Kong) Limited/JCB International Co., Ltd/UnionPay International.
 
Notwithstanding the above, specific terms and conditions may also apply to each Eligible Card.

Bonus Points Validity and Expiry

3. The validity of Bonus Points for various Eligible Cards is listed below:
Card Type Bonus Points Validity
Classic / Gold Card 2 Years
UnionPay Dual Currency PLATINUM Card 5 Years
Visa / Mastercard PLATINUM Card 5 Years
Visa Signature Card 5 Years
World Mastercard 5 Years
The expiry date of a cardholder’s Bonus Points will be specified on their monthly statement. Expired Bonus Points will be automatically cancelled and cannot be extended or redeemed. The maximum period of accumulation is subject to announcements by the Bank from time to time.

4. Bonus Points earned through a maximum of 2 different Cards held in one cardholder’s name may be combined and redeemed for an item under the Programme. Bonus Points will initially be deducted from the Eligible Card account that is entered first when a redemption request is made; any remaining Bonus Points required will be deducted from the second Eligible Card account entered. If a cardholder makes a redemption request for any gift, vouchers, cash  coupons, miles or other Products available in the “Shop Smart” & “Travel Reward” on the same day, the Bank will deduct the required Bonus Points according to the order of redemption from the relevant Eligible Card’s account. Accumulated Bonus Points are not transferrable to any other person.

Participating Merchant

5. The Bank has the right to specify and vary from time to time without notice (a) the merchant participating in the Programme, or (b) any scheme or arrangement under the Programme. The Bank is not liable to cardholder for any change of participating merchants. Cardholder may visit the Bank website for the latest list of participating merchants.

6. Redemption of gift, vouchers, cash coupons, mile or other items at a participating merchant is subject to the merchant’s policy and the terms and conditions specified by the merchant.

Redemption Transactions

7. Bonus Points may be redeemed for gift, vouchers, cash coupons, mile or other items (together, “Products”) as may be made available by the Bank on the online and/or BEA App redemption platform (“redemption platform”) from time to time. Only selected Products, as the Bank may designate from time to time, are available for redemption through the redemption Hotline 3608 6660, and Cardholder is required to input redemption information at the voice system. The Bank has the right to charge HK$50 handling fee for each redemption through the Customer Service Hotline. 

8. Stock of the Products featured in the Programme may be limited. In the event that a requested Product is out of stock, the Bank reserves the right to substitute said Product with another Product, with appropriate notice.

9. In respect of an Eligible Card account which has both a principal cardholder and a supplementary cardholder, only the principal cardholder may redeem available Points from the Eligible Card account.  All Bonus Points and benefits accrued by the principal or supplementary cardholder under the Eligible Card account will be given to the principal cardholder.

10. Only cardholders whose Eligible Card accounts are valid and in good standing may redeem Bonus Points for gift Products. The Bonus Points of a cancelled account are automatically cancelled and cannot be redeemed.

11. The Bank’s acceptance of a redemption request is also subject to the accumulation of sufficient Bonus Points by the cardholder and the cardholder’s current credit standing during the redemption period. The required Bonus Points will be deducted from the cardholder’s Eligible Card account in accordance with the cardholder’s redemption request. In the event that the cardholder’s Eligible Card account does not have sufficient Bonus Points, the redemption request will be automatically cancelled.
 
12. If the redemption is unsuccessful, the Bank will issue a SMS/email/letter of refusal on the 3rd working day commencing on the redemption day. The cardholder can also check the redemption status via https://bonusgallery.hkbea.com/trackenq.
 
13. If the redemption is successful, the Bank will issue the redemption SMS/letter on the 3rd working day commencing on the redemption day, and deduct the required bonus points and additional amount (If applicable). The cardholder can also check the redemption status via https://bonusgallery.hkbea.com/trackenq.

14. The Bank shall not be liable for any matters arising from or in connection with the Products, services, or information provided by the participating merchants. Cardholders should direct any queries or complaints to the participating merchants.

15. To collect the redemption Products in person at participating merchant outlets or the redemption centres, the cardholder must present his/her relevant valid Eligible Card and the redemption letter/e-redemption letter/SMS (if applicable) issued by the Bank. 

16. If any transaction is cancelled or refunded for whatever reason, the relevant Bonus Points may be deducted or cancelled at the Bank’s discretion. Illegal/fraudulent transactions and fraud relating to redemption requests may result in the deduction or cancellation of the relevant Bonus Points as well as the cancellation of the cardholder’s Eligible Card account. The Bank reserves the right to charge an amount equivalent to the Bonus Points required (at a conversion rate of HK$1 to every 200 Bonus Points, rounded up to the nearest Hong Kong dollar) directly from the relevant credit card account with appropriate notice and to take legal action, if deemed appropriate.

17. No person other than the cardholder or the Bank will have any right under the Contracts (Rights of Third Parties) Ordinance (Cap. 623 of the Laws of Hong Kong) to enforce or enjoy the benefit of any of the provisions of these Terms and Conditions.

18. Fraud and abuse relating to the redemption may result in the forfeiture of accumulated Points as well as the cancellation of a cardholder's credit card(s).

19. Offers relating to any participating merchant whose business closes down shall be terminated immediately.

20. The Bank reserves the sole right to vary or cancel the Programme and/or amend or alter these Terms and Conditions at any time with appropriate notice. In the event of any dispute, the decision of the Bank shall be final and conclusive.

B. Products

I. Shop Smart

21. The Bank has the right to change or remove Products available in Shop Smart from time to time without notice. A Product is available only while stocks last.

22. Cardholders can redeem Products in Shop Smart through the Programme website https://bonusgallery.hkbea.com and BEA  App (“Shop Smart redemption platform”). 

23. A wishlist and compare reward features are made available by the Bank in the Shop Smart redemption platform, cardholders may add a Product to a wishlist and/or compare reward to acquire at a later date. The Bank may remove the Product from wishlist and/or compare reward if it is no longer available.

24. A Points Plus Pay feature may be made available by the Bank for certain Products under the Shop Smart redemption platform.
i. If a cardholder chooses a Product using the Bonus Points Plus Pay feature, which may be made available by the Bank for certain Products, the Bank allows the option to acquire the Product using a combination of Bonus Points and credit card payment, subject to a minimum number of Bonus Points that the Bank may specify.
ii. If the Bank makes this feature available to the cardholder, the Bank facilitates Product redemption with the given transaction amount as prescribed by the Bank per Redemption.
iii. Where Products are successfully redeemed through a Bonus Points Plus Pay feature, the cardholder irrevocably authorises the Bank to debit the cardholder’s Eligible Card account with the pay portion in the Redemption. The charges for the pay portion will be shown in the cardholder’s Eligible Card account monthly statement following the Redemption. The Bank does not accept any other method of payment.
iv. The selection of Products available with the Bonus Points Plus Pay feature is and will be at the sole discretion of the Bank, and is liable to change without notice.

25. In each redemption, cardholder can redeem up to 4 types of Product.

26. If redemption has been successfully processed, the Product or redemption letter for the Product will be sent to the cardholder within 7 working days to his/her correspondence address on the Bank’s record. Please refer to the redemption letter for Product collection details.

27. Redemptions cannot be cancelled or altered once made. Redemption letters/gifts/vouchers/cash coupons that have been claimed or delivered will not be refunded.

28. Cardholders who redeem Bonus Points for vouchers or cash coupons worth HK$1,000 above must collect the vouchers or cash coupons at a designated redemption centre.

29. All product information, prices, and photos shown are for reference only. The participating merchant information shall prevail.

II. Travel Rewards

Bonus Point Conversion to Asia Miles

30. The cardholder must be an Asia Miles member in order to convert his/her Bonus Points to Asia Miles. Cardholders may join free of charge at www.asiamiles.com. For more information about Asia Miles, please call the Asia Miles Service Hotline on 2747 3838 or visit www.asiamiles.com.

31. The Cardholders must convert Bonus Points for a minimum of 5,000 Asia Miles (i.e. 40,000 Bonus Points) in multiples of 500 Asia Miles each time. If the number of Bonus Points is insufficient for conversion to 500 Asia Miles or a multiple thereof, the Bank reserves the right to adjust the number of Bonus Points redeemed in connection with said conversion at any time with appropriate notice.

32. The Cardholder cannot combine mileage and Product in the same redemption.

33. The cardholder and the Asia Miles member must be the same person and both accounts must have been registered using the same unique HKID number or passport number. Bonus Points earned and converted into Asia Miles cannot be credited to the account of another Asia Miles member. In case of insufficient submitted information or unmatched information with Asia Miles, the Redemption will be cancelled

34. Asia Miles will be credited directly to the cardholder’s Asia Miles account within 7 to 14 working days from the date of conversion. No separate notification will be issued.

35. No cancellations or amendments are allowed once Bonus Points have been converted into Asia Miles.

36. The Bank assumes no responsibility for Asia Miles converted under this offer or for the actions of any participating airline in connection with its travel reward Programme or otherwise.

37. All questions and/or disputes regarding a cardholder’s eligibility to convert Bonus Points under this offer or to join Asia Miles shall be decided solely by the Bank and Asia Miles, respectively.

Bonus Point Conversion to reward-U Points 

38. The cardholder must be a reward-U member in order to convert his/her Bonus Points to reward-U points. Cardholders can register for reward-U membership free of charge at www.reward-u.com, where more information can also be found.

39. The cardholder must be a reward-U member, and both his/her BEA Credit Card account and reward-U account must have been registered to use the same name and number on his/her HKID or passport. Bonus Points earned and converted into reward-U points cannot be credited to the account of another reward-U member. In case of insufficient submitted information or unmatched information with reward-U, the Redemption will be cancelled.

40. The Cardholders must convert Bonus Points for a minimum of 10,000 reward-U points in multiples of 1,000 reward-U points each time.  If the number of Bonus Points is insufficient for conversion to 1,000 reward-U points of a multiple thereof. The Bank reserves the right to adjust the number of Bonus Points redeemed in connection with said conversion at any time with appropriate notice.

41. The Cardholder cannot combine reward-u Points and Products in the same redemption.

42. reward-U points will be credited directly to the cardholder’s reward-U account within 7 to 14 working days from the date of conversion. No separate notification will be issued.

43. Unless otherwise specified, reward-U points are valid for 3 years from the date of conversion.

44. No cancellations or amendments are allowed once Bonus Points have been converted into reward-U points.

45. The Bank assumes no responsibility for reward-U points converted under this offer or for the actions of any participating airline in connection with its travel reward programme or otherwise.

46. All questions and/or disputes regarding a cardholder’s eligibility to convert Bonus Points under this offer or to join reward-U shall be decided solely by the Bank and reward-U, respectively.

C. General

No Liability

47. The Bank makes no representation or guarantee as to the quality and availability of the Products, services, or information provided by the participating merchants. The Bank shall not be liable for any matters arising from or in connection with the Products, services, or information provided by the participating merchants. Cardholders should direct any queries or complaints to the relevant participating merchant.

48. The Bank and participating merchants have made every effort to ensure all information in the Programme is accurate, however the Bank accepts no responsibility for any error or omission contained therein.  The Bank reserves the right to make the final decision if there is any inaccuracy or omission.

49. The Bank will not be responsible for damaged, lost, or stolen gift items redeemed through the Programme, and will not re-issue the same.

50. The Bank is not responsible for any loss or theft of any Products acquired, whether the loss has occurred in the course of delivery or under any other situation whatsoever.

51. The Bank reserves the sole right to vary or cancel the Programme and/or amend or alter these Terms and Conditions at any time with appropriate notice. In the event of any dispute, the decision of the Bank shall be final and
conclusive.

Disclosure of Information

52. The cardholder agrees that the Bank may provide his/her personal data or account information to the participating merchants for the purposes of fulfilling the cardholder’s redemption request and Product delivery. Cardholder information will also be provided to Asia Miles & reward-U if a cardholder chooses to convert his/her Bonus Points to mile and/or reward-U point.
 
To borrow or not borrow? Borrow only if you can repay!
Web Accessibility Recognition Scheme 2018 - Triple Gold Award