Credit Card

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 March 2026 to 4th May 2026 (the “Promotional Period”) both dates inclusive. The BEA Corporate Card, Dual Currency Credit Card (Renminbi Account) and all supplementary cards are excluded.
2. “Offer 1”: BEA principal cardholders (the “Cardholders”) must apply for and successfully draw down an 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 March 2021 and 4th March 2026 (the “New Customers”) and apply for Spending and Statement Instalment Programme through BEA Mobile during the “Promotion Period”.
4. The Rebate will be credited to the relevant credit card account on or before 30th September 2026 and will appear on the relevant statement. The account of “Cardholders” and the relevant application must be valid at the time the Rebate is given. The exact amount of the Rebate that the “Cardholders” are entitled to shall be determined by BEA at its sole discretion.
5. The APR including rebate as low as 3.43%, which is calculated according to an amount of HK$500,000 with a monthly flat rate of 0.15%, a repayment period of 60 months, and a Cash Rebate of HK$888. 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. The monthly flat rate of 0.15% is equivalent to an annualised percentage rate (“APR”) of 3.50%, calculated on the basis of an instalment amount of HK$500,000 and a repayment period of 60 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.
7. Instalments eligible in this Programme will not be eligible for rebates in other instalment programmes rebates.
8. The handling fee waiver only applies to the customer who log in through the BEA Mobile or BEA Online and apply for the Programme. For each successful application through the application hotline (for a transaction amount of HK$1,500 or above), The Bank of East Asia, Limited (“BEA”) will charge a handling fee of HK$50 (“Handling Fee”), which will be directly charged to the customer’s BEA Credit Card account together with the first instalment.
9. The minimum eligible transaction amount in the Programme is HK$200, which must be the same as the actual transaction amount (adjusted to the nearest dollar).
10. 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.
11. 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.
12. These Terms and Conditions shall be governed by and construed in accordance with the law of Hong Kong. The Cardholders submit to the exclusive jurisdiction of the Hong Kong courts but these Terms and Conditions may be enforced in the courts of any competent jurisdiction.
13. In case of any inconsistency between the English and Chinese versions of these terms and conditions, the English shall prevail.