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: 30/4/2024

Get cash using your credit card to enjoy:

    • Preferential monthly flat rate as low as 0.25%1
    • Flexible repayment period of 6 to 60 months
    • Exclusive offers for application via BEA Online / iCIH SMS:  
      - Handling fee waiver2
      - Up to HK$10,000 cash rebate3,4


  “Cash in Hand” amount (HK$)

 Rebate amount (HK$)3,4

  Repayment period 

12 to 24 months

36 to 48 months

60 months
30,000 - 99,900 100 300 500
100,000 - 249,900 600 1,500 2,000
250,000 - 499,900 1,500 3,000 5,000
500,000 or more 3,000 6,000 10,000

Application channels:

i. BEA Online6

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

 ii. Application Hotline 2211 1488  ^

9 a.m. - 9 p.m. from Monday to Friday,9 a.m. - 2 p.m. 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 0.25% only applies to selected cardholders who draw down the amount of HK$200,000 or more, with a repayment period of 24 months. The annualised percentage rate (“APR”) 5.96% is calculated as for a loan amount of HK$200,000, with a monthly flat rate of 0.25%, a one-off HK$300 handling fee and a repayment period of 24 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.

2. Handling fee waiver only applies to BEA Online/ iCIH SMS (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 or HK$300 handling fee (depending on whether the drawdown amount is below HK$5,000/HK$5,000 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.

3. The cardholder can receive the rebate after applying for and drawing down the designated "Cash in Hand" amount with a repayment period of 12 months or more via BEA Online/iCIH SMS from 1st Feburary, 2024 to 30th April, 2024.

4. The rebate is only available to cardholders who successfully apply for and draw down the amount of HK$30,000 or more with a repayment period of 12 months or more via BEA Online/iCIH SMS during the promotional period. The rebate will be credited to the relevant credit card account on or before 31st July, 2024, 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 rebate as low as 4.48%, which is calculated according to the amount of HK$100,000 with a monthly flat rate of 0.25%, a repayment period of 12 months, and the rebate of HK$600.

5. 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.

6. The cardholder can log in to BEA Online 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 BEA Online, 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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