Hot Promotions

BEA Mastercard Debit Card

The new BEA Mastercard Debit Card

Jetting off to eat, shop and play is always a thrill. But keeping up with foreign exchange rates, swapping currencies and withdrawing cash before your trip is a buzzkill. So we're pleased to present a new card that lets you spend smarter while earning rewards your way.

The new BEA Mastercard Debit Card supports 11 major currencies and offers 24/7 real-time currency conversion. Pay or withdraw directly from your foreign currency accounts, or instantly exchange currencies online. You pay zero handling fees1,2and you can choose to earn Cash Rebates3 or Bonus Points4! Enjoy true freedom in spending!

Key Highlight

Feature-icons

Travel
Spending

Directly pay in the corresponding currency from your foreign currency account, no extra conversion needed for foreign currency notes.

Feature-icons

Overseas Online Shopping

Pay in foreign currencies in real-time with full transparency.

Feature-icons

Local
Spending

Everyday payments made easy with just one card.

Feature-icons

Flexible Spending Rewards

Choose to earn Cash Rebates or Bonus Points.

Feature-icons

Travel
Spending

Directly pay in the corresponding currency from your foreign currency account, no extra conversion needed for foreign currency notes.

Feature-icons

Overseas Online Shopping

Pay in foreign currencies in real-time with full transparency.

Feature-icons

Local
Spending

Everyday payments made easy with just one card.

Feature-icons

Flexible Spending Rewards

Choose to earn Cash Rebates or Bonus Points.

Apply now to earn 4 extra rewards5

Just in time for your year-end holiday! Successfully apply the new Multi-currency Debit Card and complete the designated tasks during the promotion period below to earn up to HK$220 Cash Rebates or 48,000 Bonus Points at your choice. Complete all of the designated tasks to earn a limited-time bonus reward!

Enjoy an extra 1% Cash Rebates or 1 additional Bonus Point per HK$1 you spend on local, overseas or online retail purchases with Multi-currency Debit Card — equal to up to 1.5% Cash Rebates or HK$1=2 Bonus Points7. Earn up to HK$150 in Cash Rebates or 20,000 Bonus Points!

Complete foreign exchange transactions via Digital Channels# and reach a cumulated transaction amount of HK$70,000 (or equivalent) to earn HK$35 Cash Rebates or 14,000 Bonus Points!

# Digital Channels refer to BEA Mobile and BEA Online.

Deposit HK$70,000 (or equivalent) or above and maintain the amount until the designated date to earn HK$35 Cash Rebates or 14,000 Bonus Points.

During the Promotion Period, successfully complete all 3 rewards above to earn additional rewards:

Gift-icon

One complimentary Plaza Premium Lounge Access

Gift-icon

【Exclusively for Credit Cardholders】Automatic entry to the Lucky Draw for Tokyo Round-Trip Flight Ticket for two8

Promotion Period

30 October 2025 - 31 January 2026

How the rewards add up?

Refer to the tabs below for examples of each reward mode:

Cash Rebates Mode

Let's look at the example of Ms. Debby who is our SupremeGold customer:
Debby successfully applied for and activated her BEA Mastercard Debit Card on 5 October 2025, and kept the default Cash Rebates mode.

Date Transaction Cash Rebates Earned Through This Promotion Cash Rebates Fulfilment Arrangement
10 Oct 2025 Spent HK$6,000 at online store

+HK$90
  • Basic HK$30 Cash Rebates
    credited on the next business day after posting
  • Extra HK$60 Cash Rebates*
    credited on or before 30 April 2026
15 Nov 2025 Spent JPY27,000 (approx. HK$5,000) at a drugstore in Japan

+HK$60
  • First HK$4,000 spending
    Basic HK$20 Cash Rebates - credited on the next business day after posting
    Extra HK$40 Cash Rebates - credited on or before 30 April 2026
  • Subsequent HK$1,000 spending^
    Basic HK$5 Cash Rebates - credited on the next business day after posting

👉 The maximum eligible retail spending amount of HK$10,000 has been reached. Debby earned HK$150 Cash Rebates under this Promotion, along with Basic HK$5 Cash Rebates on subsequent spending.
20 Nov 2025 Deposited HK$100,000 at a branch Requirement not met -
10 Dec 2025 Converted HK$40,000 from account to approx. USD5,100 via BEA Mobile Requirement not met -
19 Dec 2025 Converted HK$30,000 in new funds to approx. EUR3,300 in cash at a branch Requirement not met Foreign currency transactions conducted at branches are not eligible for this Promotion
28 Dec 2025 Deposited HK$40,000 online and converted it to RMB38,500

+HK$35

 Cumulative foreign currency exchange amount has reached HK$80,000 and the reward will be credited on or before 30 April 2026
28 Feb 2026 Maintained a deposit balance of HK$70,000 or above for 2 consecutive months

+HK$35

 Reward will be credited on or before 30 April 2026

Completed 3 types of transaction, additional rewards of one complimentary Plaza Premium Lounge Access + automatic entry to the Lucky Draw for a Tokyo Round-Trip Flight Ticket for two!

Debby earned HK$220 in Cash Rebates through the Promotion:

Retail Spending Reward

HK$150

Foreign Currency Transaction Reward

HK$35

Deposit Reward

HK$35

Limited-Time Bonus Reward

One complimentary Plaza Premium Lounge Access +
Automatic entry to the Lucky Draw for a Tokyo Round-Trip Flight Ticket for two@

Let's look at the example of Emcy Y who is our Supreme customer:
Emcy Y successfully applied for and activated her BEA Mastercard Debit Card on 5 October 2025. Emcy Y switched to the Bonus Points mode, which will take effect in the following month.

Date Transaction Bonus Points Earned Through This Promotion Bonus Points Fulfilment Arrangement
10 Nov 2025 Spent HK$5,000 at a local supermarket

+10,000
  • Basic 5,000 Bonus Points
    credited into Credit Card Account on the first business day of the following month
  • Extra 5,000 Bonus Points*
    credited on or before 30 April 2026
15 Nov 2025 Spent GBP500 (approx. HK$5,000) at a UK-based online store

+10,000
  • Basic 5,000 Bonus Points
    credited into Credit Card Account on the first business day of the following month
  • Extra 5,000 Bonus Points
    credited on or before 30 April 2026

👉 The maximum eligible retail spending amount of HK$10,000 has been reached, and Emcy Y has earned 20,000 Bonus Points under this Promotion.
1 Dec 2025 Deposited HK$50,000 at a branch Requirement not met -
10 Dec 2025 Converted HK$30,000 from account to approx. GBP3,000 via BEA Mobile Requirement not met -
19 Dec 2025 Deposited HK$50,000 online and converted it to RMB49,000

+14,000

 Cumulative foreign currency exchange amount has reached HK$80,000 and reward will be credited on or before 30 April 2026
28 Feb 2026 Maintained a deposit balance of over HK$70,000 for 2 consecutive months

+14,000

 Reward will be credited on or before 30 April 2026

Completed 3 types of transaction, additional rewards of one complimentary Plaza Premium Lounge Access + automatic entry to the Lucky Draw for a Tokyo Round-Trip Flight Ticket for two

Emcy Y earned 48,000 Bonus Points through the Promotion:

Retail Spending Reward

20,000 Bonus Points

Foreign Currency Transaction Reward

14,000 Bonus Points

Deposit Reward

14,000 Bonus Points

Limited-Time Bonus Reward

One complimentary Plaza Premium Lounge Access + Automatic entry to the Lucky Draw for a Tokyo Round-Trip Flight Ticket for two@

Let's look at the example of Carson who is our BEA GOAL customer:
Carson successfully applied for and activated his BEA Mastercard Debit Card on 12 October 2025, and switched to the Bonus Points mode, which will take effect in the following month.

Date Transaction Cash Rebates / Bonus Points Earned Through This Promotion Cash Rebates /
Bonus Points Fulfilment Arrangement
15 Oct 2025 Spent HK$5,000 at a local restaurant

+HK$75 Cash Rebates / +HK$25 Cash Rebates & Extra 5,000 Bonus Points
  • Basic HK$25 Cash Rebates
    credited on the next business day after posting
  • Extra HK$50 Cash Rebates or Extra 5,000 Bonus Points*
    credited on or before 30 April 2026

Tips:

  • The Bonus Points mode will take effect on the 1st of the following month.
3 Nov 2025 Spent EUR1,000 (approx. HK$9,300) at a department store in France

+10,000 Bonus Points / + Basic 5,000 Bonus Points & Extra HK$50 Cash Rebates
  • First HK$5,000 spending
    Basic 5,000 Bonus Points - credited into Credit Card Account on the first business day of the following month
    Extra 5,000 Bonus Points or Extra HK$50 Cash Rebates - credited on or before 30 April 2026
  • Subsequent HK$4,300 spending^:
    Basic 4,300 Bonus Points - credited into Credit Card Account on the first business day of the following month

👉 The maximum eligible retail spending amount of HK$10,000 has been reached. Under this Promotion, Carson has earned HK$75 Cash Rebates / HK$25 Cash Rebates & Extra 5,000 Bonus Points; 10,000 Bonus Points / 5,000 Bonus Points and HK$50 in Cash Rebates, along with 4,300 Bonus Points on subsequent spending.
15 Dec 2025 Deposited HK$50,000 at a branch Requirement not met -
26 Dec 2025 Deposited HK$20,000 in new funds and converted it to approx. USD 5,000 via BEA Online Requirement not met -
10 Jan 2026 Converted HK$20,000 in new funds to approx. GBP2,100 at a branch Requirement not met Foreign currency transactions conducted at branches are not eligible for this Promotion
19 Jan 2026 Converted HK$50,000 from account to approx. CAD9,000

+14,000 Bonus Points / HK$35 Cash Rebates

 Reward will be credited on or before 30 April 2026
28 Jan 2026 Maintained a deposit balance of HK$70,000 or above for 2 consecutive months

+14,000 Bonus Points / HK$35 Cash Rebates

 Reward will be credited on or before 30 April 2026

Completed 3 types of transaction, additional rewards of one complimentary Plaza Premium Lounge Access + automatic entry to the Lucky Draw for a Tokyo Round-Trip Flight Ticket for two!

If Carson's spending rewards setting is Cash Rebates as of the Promotion end date

Carson earned HK$195 in Cash Rebates and 5,000 Bonus Points through the Promotion:

Retail Spending Reward

HK$125 in Cash Rebates + 5,000 Bonus Points

Foreign Currency Transaction Reward

HK$35 Cash Rebates

Deposit Reward

HK$35 Cash Rebates

Limited-Time Bonus Reward

One complimentary Plaza Premium Lounge Access +
Automatic entry to the Lucky Draw for a Tokyo Round-Trip Flight Ticket for two@

If Carson's spending rewards setting is Bonus Points as of the Promotion end date

Carson earned HK$25 in Cash Rebates and 43,000 Bonus Points through the Promotion:

Retail Spending Reward

HK$25 in Cash Rebates + 15,000 Bonus Points

Foreign Currency Transaction Reward

14,000 Bonus Points

Deposit Reward

14,000 Bonus Points

Limited-Time Bonus Reward

One complimentary Plaza Premium Lounge Access +
Automatic entry to the Lucky Draw for a Tokyo Round-Trip Flight Ticket for two@

  1. * Extra rewards will be awarded based on your spending rewards setting as of the Promotion end date.
  2. ^ Subsequent spending is not eligible for Extra rewards under this Promotion.
  3. @ Applicable only to eligible customers who hold a BEA Credit Card under Bonus Points reward scheme on or before 30 April 2026.

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!

Apply now for the
BEA Mastercard Debit Card

Apply now