Cash from Card

Promotional Period: 10/3/2025 - 31/5/2025

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

During the promotion period, apply "Cash in Hand" programme through BEA Mobile. You can also enjoy up to HK$900 Cash Rebate.

    Earn up to HK$900 Cash Rebate⁶

         Preferential monthly flat rate

                 as low as 0.25%⁷ 

              Flexible repayment period of

                       6 to 60 months

Remarks：

1. 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 12 months or more through BEA Mobile between 10th March 2025 and 31st May 2025 (the “Promotion Period”).

2. ⁠“Offer 1”: Cardholders apply for the “Cash in Hand" Programme through BEA Mobile during the promotion period and successfully the draw down amount of HK$30,000 or more with a repayment period of 12 months or above.

3. ⁠“Offer 2”: Cardholders have not successfully applied for the “Cash in Hand" Programme through BEA Mobile on or before 9th March 2025.

4. The Cash Rebate will be credited to the relevant credit card account on or 31st August 2025, 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 5.06%, which is calculated according to an amount of HK$100,000 with a monthly flat rate of 0.25%, a repayment period of 12 months, and a Cash Rebate of HK$300.

5. The Cardholders can log in to BEA Mobile directly and apply using any 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.

6. 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.

7. The annualised percentage rate (“APR”) 6.07% is calculated as for a loan amount of HK$200,000, with a monthly flat rate of 0.25%, a one-off HK$500 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.

8. Handling fee waiver only applies to BEA Mobile (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.

9. 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.

10. 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.

11. In case of any inconsistency between the English and Chinese versions of these terms and conditions, the English shall prevail.