Remarks:

1. For cash withdrawals at local ATMs displaying "Mastercard" or "Cirrus" logos (non-JETCO members), a handling fee of HK$30 per transaction applies.
2. If a withdrawal or transaction currency is outside of the 10 supported foreign currencies, the withdrawal or transaction amount will be converted directly into HKD at the daily exchange rate set by Mastercard. A transaction fee of 1.95% of such amount in HKD will be levied by BEA. Local banks may impose a charge for each cash withdrawal. The charge will be converted into foreign currency and debited together with the withdrawal amount from your account. These charges are directly levied by the overseas ATM operators and are not charged by BEA.
3. Default spending rewards will be set to "Cash Rebates". You may switch your spending rewards setting anytime via BEA Mobile. The new setting will be effective on the 1st day of the following month.
4. Customers who choose "Bonus Points" rewards mode must hold an eligible BEA Credit Card.
5. Reward will be credited according to the spending rewards setting at the end of the Promotion Period.
6. Retail Spending Reward applies only to the first HK$10,000 (or equivalent) of Eligible Retail Spending. Rewards are only available on eligible retail transactions, excluding all types of fees and charges, cash withdrawals, non-Mastercard network payments, bill/tax/public utility payments, gambling transactions, foreign currency cash purchases, stored value card/e-wallet top-ups, cryptocurrency purchases, instalment payments, wire transfers, rental or property-related payments, etc. Eligibility of retail merchants is determined based on the Bank's internal system and merchant category code.
7. 1.5% Cash Rebate includes a basic 0.5% and an additional 1% Cash Rebate; and HK$1 = 2 Bonus Points includes a basic HK$1 = 1 Bonus Point and additional 1 Bonus Point.
8. Winner will be drawn randomly by the Bank's computer system from all Eligible Customers who are automatically entered in the lucky draw. The winner must hold a BEA Credit Card under Bonus Points reward scheme on or before 30 April 2026.

The above products, services and offers are subject to the relevant Terms and Conditions. Please click here for details.

Important Notice:

• Foreign exchange rates fluctuate, and may go down as well as up. It is possible that you may lose some or all of your investment as a result of conducting foreign exchange transactions.
• By clicking "Apply Now", you will be directed to the app store (Apple App Store/Google Play Store) download page of BEA Mobile.
• To borrow or not to borrow? Borrow only if you can repay!