The Bank of East Asia

Personal Banking

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"Cash in Hand" Programme


Key Facts Statement/Schedule of Fees and Charges


   Valid till: 30/9/2020

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
    • Receive the money within 2 working days2
    • Exclusive offers for application via Cyberbanking service:  
      - HK$200 handling fee waiver3  
      - Up to HK$800 Cash Rebate

“Cash in Hand” Amount (HK$) Repayment period Cash Rebate Amount (HK$)
10,000 - 29,900 12 months or more 50
30,000 - 79,900 100
80,000 - 199,900 400
200,000 or more 800

Application channels:

i. Cyberbanking service5

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

 ii. Application Hotline 2211 1488  ^

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

^Our Customer Services Representative will contact you on next working day after receiving the application.


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


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$200,000 or more, HK$200 handling fee with a repayment period of 24 months. The monthly flat rate of 0.13% is equivalent to an annualised percentage rate (“APR”) of 3.11% (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. HK$200 handling fee ("handling fee") waiver only applies to Cyberbanking service (including but not limited to applications through other e-channels). For application through the application hotline, BEA will levy the handling fee. The said handling fee is charged for each hotline application, and will be debited from the Cardholder's BEA Credit Card account together with the first instalment.

4. 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 service during the promotional period. The Rebate will be credited to the relevant credit card account within October, 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 2.61%, which is calculated according to the Amount of HK$200,000 with a monthly flat rate of 0.13%, a repayment period of 24 months, and the Rebate of HK$800.

5. The cardholder can log in to Cyberbanking service 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 service, 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!


Terms and Conditions

Customer Services Hotline

Download BEA App
To borrow or not borrow? Borrow only if you can repay!
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