“Cash in Hand” Statement Instalment

“Cash in Hand” Statement Instalment Programme

	BEA Mobile Offer¹ - enjoy up to 2-month interest rebate^2,3
	Promotion Period: 13/10/2025 – 4/1/2026

Apply for spending or statement instalment through BEA Mobile, and reach the instalment amount and specified repayment period, can enjoy up to 2-month interest rebate^2,3.

Repayment period	Interest rebate
3 months	1 month interest rebate
6 to 60 months	2-month interest rebate

Split your tax bill, insurance premiums, travel and credit card bill by instalment to let your repaymnet more flexible.

If you apply through BEA Mobile or the BEA Online for instalments, you’ll get a full waiver of the handling fee⁴!

	Preferential monthly flat rate as low as 0.18%⁵ for repayment period of 3-60 months
	Instalment plans can be applied to any spending of at least HK$200

Example 1 :

Paid below expenses with Credit Card and split into 3-monthly instalments.

Spending	Amount	Monthly flat rate	Monthly interest	Monthly instalment amount	Handling fee
Purchase air ticket	HK$12,000	0.25%	HK$30	HK$4,030	HK$0
Total interest: HK$90

Example 2 :

Paid below expenses with Credit Card and split into 3-monthly instalments.

Spending	Amount	Monthly flat rate	Monthly interest	Monthly instalment amount	Handling fee
Tax bill	HK$12,000	0.25%	HK$30	HK$2,030	HK$0
Total interest: HK$180

Application methods:

1. Apply via BEA Mobile

Press "Menu" > "Credit Card" > "Statement Instalment"

2. Apply via BEA Online

Press "Menu" > "Credit Card" > "Spending & Statement Instalment"

Remarks:

BEA principal cardholders (the “Cardholders”) who successfully login through the BEA Mobile and apply for “Cash in Hand” Statement Instalment Programme of amount of at least HK$200 with a repayment period of 3 months or above during the Promotional Period. Terms and conditions apply.
Instalment amount of HK$200 or above with a repayment period of 3-60 months can enjoy up to 2-month interest rebate.
Each Cardholder can get Interest Rebate for each eligible instalment (unlimited) within the Promotional Period.
The handling fee waiver only applies to the Cardholders who login through the BEA Mobile or BEA Online and apply for the programme.
The APR including rebate as low as 2.49%, which is calculated according to an amount of HK$20,000 with a monthly flat rate of 0.18%, a repayment period of 6 months, and a Interest Rebate of HK$72. 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.
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.
The Programme and the eligible transactions are bound by the Terms and Conditions of the "Cash In Hand" Statement Instalment Programme.
In case of any inconsistency between the English and Chinese versions of these terms and conditions, the English version shall prevail.