“Cash in Hand” Programme

Key Facts Statement/Schedule of Fees and Charges

"Cash in Hand" program add a new 3 months of repayment period.

Just few clicks with your mobile phone, you can easily cash out with your credit card.

Enjoy up to 2 months of interest rebate^1,2

Promotion Period: 20/10/2025 - 4/1/2026

Offer 1
Apply 3 to 18 months repayment period to enjoy up to 2-month interest rebate^1,2

"Cash in Hand: amount (HK$)	Repayment period	Interest rebate
HK$3,000 or above	3 months	1-month interest rebate
	6 to 18 months	2-month interest rebate

Example 1:

Cash out $50,000 from credit card and choose the repayment period of 3 months.

Amount	Monthly flat rate	Monthly interest	Handling fee
HK$50,000	0.20%	HK$100	HK$0
Total interest: HK$300

Example 2:

Cash out $50,000 from credit card and choose the repayment period of 6 months.

 

Amount	Monthly flat rate	Monthly interest	Handling fee
HK$50,000	0.18%	HK$90	HK$0
Total interest: HK$540

Offer 2 Enjoy up to HK$2,600 cash rebate3,4,6 Apply for Cash in Hand programme through BEA Mobile, and reach the cash out amount and specified repayment period.

Accumulated "Cash in Hand" amount (HK$)	Cash Rebate amount (HK$)
	Repayment Period of 24 months or above
$20,000 - $40,000	$200
$40,100 - $80,000	$500
$80,100 - $250,000	$700
$250,100 - $500,000	$1,000
$500,100 or above	$2,600

Offer 3 First time apply via BEA Mobile3,5,6 can enjoy extra up to HK$200 cash rebate

Accumulated "Cash in Hand" amount (HK$)	Cash Rebate amount (HK$)
	Repayment Period of 24 months or above
$20,000 - $80,000	$100
$80,100 or above	$200

Exclusive offer for applying through BEA Mobile^7,8

Application methods:

1.. Apply via BEA Mobile

    Press "Menu" > "Credit Card" > "Cash in Hand"
    

2. Apply via BEA Online
    Press "Menu" > "Credit Card" > "Cash Instalment"  
    
    

Remarks:

1. “Offer 1 ”: BEA principal cardholders (the “Cardholders”) can enjoy up to 2-month Interest Rebate after applying for and drawing down the designated “Cash in Hand” amount with a repayment period of 3 to 18 months through BEA Mobile between 20th October 2025 and 4th January 2026 (the “Promotion Period”).
2. “Offer 1”: The Interest Rebate will be credited to the relevant credit card account on or before 31st March 2026, and will appear on the relevant statement. The Cardholders’ account and the relevant application must be valid at the time the Interest Rebate is given. The APR including rebate as low as 2.50%, which is calculated according to an amount of HK$50,000 with a monthly flat rate of 0.18%, a repayment period of 6 months, and 2-month interest rebate.
3. ⁠⁠“Offer 2 & 3”: BEA principal cardholders (the “Cardholders”) can receive the Cash Rebate after applying for and drawing down the designated “Cash in Hand” amount with a repayment period of 24 months or more through BEA Mobile between 1st September 2025 and 4th January 2026 (the “Promotion Period”).
4. “Offer 2”: Cardholders apply for the “Cash in Hand" Programme through BEA Mobile during the promotion period and successfully the draw down amount of HK$20,000 or more with a repayment period of 24 months or above.
5. “Offer 3”: Cardholders have not successfully applied / held any “Cash in Hand" Programme between 1st September 2024 and 31st August 2025.
6. “Offer 2 & 3”: The Cash Rebate will be credited to the relevant credit card account on or before 31st March 2026, and will appear on the relevant statement. The Cardholders’ account and the relevant application must be valid at the time the Cash Rebate is given. The APR including rebate as low as 2.69%, which is calculated according to an amount of HK$20,000 with a monthly flat rate of 0.18%, a repayment period of 24 months, and a Cash Rebate of HK$300.
7. The Cardholders can log in to BEA Mobile directly and apply using a principal credit card account under the Cardholders’ name. If the Cardholders are a new-to-bank customer or has not yet used BEA Mobile, the Cardholders can log in for the first time by entering the Cardholders’ credit card account number and phone PIN (set by the Cardholders during the card activation process). If Cardholders have forgotten your phone PIN, please contact our Customer Services Hotline for instant reset.
8. The “Cash in Hand” amount will be credited to the Cardholders’ designated BEA HKD savings/ current account in 2 working days or to the Cardholders’ designated HKD savings/current account maintained with another bank in 3 working days from the approval date.
9. The annualised percentage rate (“APR”) 4.52% is calculated as for a loan amount of HK$200,000, with a monthly flat rate of 0.18%, a one-off HK$500 handling fee and a repayment period of 12 months. 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.
10. Handling fee waiver only applies to BEA Mobile or BEA Online (including but not limited to applications through other e-channels). For applications through the application hotline, The Bank of East Asia, Limited will levy a HK$200/HK$300/ HK$500 handling fee (for drawing down an amount HK$3,000 - $4,900/HK$5,000 - $49,900/an amount of HK$50,000 or above). The said handling fee is charged for each application through the hotline, and will be debited from the cardholder's BEA Credit Card account together with the first instalment.
11. To promote responsible borrowing and reduce the risk of impulsive and excessive borrowing, our bank provide the cooling-off period to this loan product. Please refer to the notice for details.
12. BEA reserves the sole right to vary or cancel all or any of the offers and/ or amend or alter these Terms and Conditions at any time without prior notice. In the event of any dispute, the decision of BEA shall be final and conclusive.
13. These Terms and Conditions shall be governed by and construed in accordance with the law of Hong Kong Special Administrative Region. The Cardholders submit to the non-exclusive jurisdiction of the Hong Kong courts but these Terms and Conditions may be enforced in the courts of any competent jurisdiction.
14. In case of any inconsistency between the English and Chinese versions of these terms and conditions, the English shall prevail.

Terms and Conditions

To borrow or not to borrow? Borrow only if you can repay!