Credit Card

“Cash in Hand” Statement Instalment


Key Facts Statement

During the promotion period, apply for spending or statement instalment through BEA Mobile, and reach the accumlated instalment amount and specified repayment period, can enjoy up to HK$8881,2,3 cash rebate.


Promotion Period: 5/1/2026 – 4/3/2026

Offer 1
Enjoy up to HK$688 cash rebate1,2


Accumulated Instalment amount (HK$)
 Cash Rebate amount (HK$)
Repayment Period of 24 months or above
$10,000 - $30,000 $68
$30,001 - $50,000 $188
$50,001 - $100,000 $288
$100,001 or above $688


Offer 2
New Customers apply via BEA Mobile1,3 can enjoy extra up to HK$200 cash rebate


Accumulated Instalment amount (HK$)

 Cash Rebate amount (HK$)
Repayment Period of 24 months or above
$10,000 - $30,000 $50
$30,001 - $50,000 $100
$50,001 or above $200


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:


Paid below expenses with Credit Card and split into 12-monthly instalments.

Spending Amount Monthly flat rate Monthly interest Monthly instalment amount Handling fee
Purchase air ticket HK$15,000 0.18% HK$27 HK$1,277 HK$0
 


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"



 
 
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Customer Application Hotline
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Q1: What is the “Cash in Hand” Credit Card Instalment programme?Q1: What is the “Cash in Hand” Credit Card Instalment programme?

The “Cash in Hand” Instalment Programme is BEA’s credit card instalment plan. It allows cardholders to convert large purchases or monthly statement balances into fixed monthly payments, easing financial burden.
Applicants can choose a 3–60-month repayment term and enjoy 0 handling fees when applying via BEA Mobile or Online. This flexible instalment plan helps customers manage credit card spending responsibly and efficiently.
 

Q2: Do I need to submit transaction receipts or supporting documents to apply for the “Cash in Hand” Credit Card Instalment Programme?

No additional documentation is typically required for the application. Just select eligible transactions within the “Statement Instalment” feature on BEA’s Mobile app, and the system will process the instalment request automatically.

Q3: What is the minimum amount to apply for the “Cash in Hand” Credit Card Instalment Programme?

You can apply for an instalment plan for spending of HK$200 or above.
 
Q4: Can I make an early repayment before the instalment ends?

Yes, early repayment is allowed, but you must notify the bank in advance. According to the terms, you must submit a written notice at least 7 working days before the due date as stated on your statement. The bank will charge the outstanding principal, interest, handling fees, plus an early repayment fee of around 1% of the original instalment amount or a minimum of HK$300.

Q5: Will applying for the “Cash in Hand” Credit Card Instalment Programme affect my credit score?

Any form of credit card instalment may appear on your credit report. On-time repayments can build a positive credit history, but late or missed payments could negatively impact your credit rating. Use wisely and maintain a good repayment record. 
  1. The promotional period for the Spending and Statement Instalment Cash Rebate Programme is from 5th January 2026 to 4th March 2026 (the “Promotional Period”) both dates inclusive. The BEA Corporate Card, Dual Currency Credit Card (Renminbi Account) and all supplementary cards are excluded. Terms and conditions apply.
  2. “Offer 1”: BEA principal cardholders (the “Cardholders”) can receive the Cash Rebate after applying for and draw down successfully the accumulated Statement Instalment amount of HK$10,000 or more with a repayment period of 24 months or above through BEA Mobile during the “Promotion Period”.
  3. “Offer 2”: “Cardholders” have not successfully applied / held any Spending and Statement Instalment Programme between 5th January 2025 and 4th January 2026 (the “New Customers”) and apply for Spending and Statement Instalment Programme through BEA Mobile during the “Promotion Period”.
  4. The handling fee waiver only applies to the Cardholders who login through the BEA Mobile or BEA Online and apply for the programme.
  5. The APR including rebate as low as 3.01%, which is calculated according to an amount of HK$10,000 with a monthly flat rate of 0.18%, a repayment period of 24 months, and a Cash Rebate of HK$118. 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.
  6. 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.
  7. The Programme and the eligible transactions are bound by the Terms and Conditions of the "Cash In Hand" Statement Instalment Programme.
  8. In case of any inconsistency between the English and Chinese versions of these terms and conditions, the English version shall prevail.