Multi-currency Debit Card

Hot Promotions

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

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Travel
Spending

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

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Overseas Online Shopping

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

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Local
Spending

Everyday payments made easy with just one card.

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Flexible Spending Rewards

Choose to earn Cash Rebates or Bonus Points.

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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.

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Flexible Spending Rewards

Choose to earn Cash Rebates or Bonus Points.

Enjoy rewards5 on everyday spending and more convenient spending on the go

During the Promotion Period, enjoy rewards on everyday and travel spending with your BEA Mastercard Debit Card! Whether you make local purchases, shop online, spend overseas, or make designated foreign currency transactions or deposits, you can earn up to HK$250 Cash Rebates or 70,000 Bonus Points!

Enjoy an extra 1% Cash Rebate or 1 additional Bonus Point per HK$1 you spend on local, overseas or online retail purchases with the 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 the designated cumulative amount below to earn Cash Rebates or Bonus Points:

Total Cumulative FX Transaction Amount Cash Rebates / Bonus Points
HK$30,000 or equivalent HK$30 Cash Reward or 15,000 Bonus Points
HK$50,000 or equivalent HK$50 Cash Reward or 25,000 Bonus Points

# Digital Channels refer to BEA Mobile and BEA Online.

Successfully deposit the designated amount of New Funds below and maintain the required balance until the designated date to earn Cash Rebates or Bonus Points:

Total Cumulative Deposit Amount Cash Rebates / Bonus Points
HK$30,000 or equivalent HK$30 Cash Reward or 15,000 Bonus Points
HK$50,000 or equivalent HK$50 Cash Reward or 25,000 Bonus Points

During the Promotion Period, the first 50 Eligible Customers each month to reach a cumulative Eligible Retail Spending of HK$5,000 can earn:

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One complimentary Plaza Premium Lounge Access

Promotion Period

1 May 2026 to 31 July 2026

How to calculate your rewards

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. The Monthly Limited-Time Reward shall be determined based on Eligible Retail Spending transactions that have been posted to the relevant Debit Card Account. Quota for each month is limited and available on a first-come-first-served basis while quota lasts.


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