The Bank of East Asia

Personal Banking

"Cash in Hand" Programme


Key Facts Statement/Schedule of Fees and Charges


Valid till: 31/5/2020

Get cash using your credit card to enjoy:

    • Preferential monthly flat rate as low as 0.13%1
    • Flexible repayment period of 6 to 60 months
    • Application fee waiver
    • Fast receive the money within 2 days2

Up to HK$800 Cash Rebate for application via Cyberbanking3
(APR as low as 2.91%)

“Cash in Hand” Amount (HK$) Repayment period Cash Rebate Amount (HK$)
10,000 - 29,900 12 months or more 50
30,000 - 49,900 100
50,000 - 99,900 200
100,000 - 199,900 400
200,000 or more 800


Application channels:


Select “Cards” > “Credit Cards” > “Cash in Hand”- Demonstration


Application Hotline 2211 1488

9am - 9pm from Monday to Friday,9am - 2pm on Saturday (except public holidays) 

1. The personalised preferential monthly flat rate of as low as 0.13% only applies to selected cardholders who draw down the Amount of HK$800,000 or more with a repayment period of 24 months. The monthly flat rate of 0.13% is equivalent to an annualised percentage rate (“APR”) of 3.01% (for a 24-month repayment period). The APR is calculated according to the standard method set out in the Code of Banking Practice, and is rounded up or down to the nearest 2 decimal places. Please note that the actual APR may differ.

2. The “Cash in Hand” amount will be credited to the Cardholder’s designated BEA HKD savings/current account in 2 working days or to the Cardholder’s designated HKD savings/current account maintained with another bank in 3 working days from the approval date. 

3. The cash rebate (the “Rebate”) is only available to cardholders who successfully apply for and draw down the Amount of HK$10,000 or more with a repayment period of 12 months or more via Cyberbanking during the promotional period. The Rebate will be credited to the relevant credit card account within July, 2020, and will appear on the relevant statement. The cardholder’s account and the relevant application must be valid at the time the Rebate is given. The APR including Cash Rebate as low as 2.91%, which is calculated according to the Amount of HK$800,000 with a monthly flat rate of 0.13%, a repayment period of 24 months, and the Rebate of HK$800.

4. The cardholder can log in to Cyberbanking directly and apply with any of principal credit card accounts under the cardholder's name. If the cardholder is a new-to-bank customer or has not yet used Cyberbanking, the cardholder can log in for the first time by entering the cardholder's credit card account number and Phone PIN (set by the cardholder during the card activation process). If the cardholder has forgotten the Phone PIN, please contact our Customer Services Hotline for instant reset.


BEA Credit Card helps you realise your dreams.

Apply now to receive cash in hand!



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