Key Features

BEA Mastercard Debit Card

BEA Mastercard Debit Card

Multi-currency made easy -
Freedom to spend anywhere

Shop seamlessly around the world, earn rewards your way and enjoy true spending freedom with the Multi-currency Debit Card!

Whether shopping locally or overseas, payments are automatically made using the corresponding currency right from your account - with support for 11 currencies: HKD, USD, EUR, GBP, RMB, JPY, AUD, CAD, NZD, SGD and CHF.

Plus, take charge of transaction limits, choose to be rewarded in Cash Rebates or Bonus Points, and enjoy a card experience tailored to you!

Key Features

With just one card, you can make payments in 11 major currencies - HKD, USD, EUR, GBP, RMB, JPY, AUD, CAD, NZD, SGD and CHF. When you spend overseas, you can choose to pay directly from the corresponding foreign currency balance in your account, or use the Auto FX Conversion function to instantly convert from Hong Kong dollars for payment.
Other benefits include:

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Travel light and safe - No need to carry foreign cash when you go abroad

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Direct debit from your foreign currency accounts - Avoid the 1.95% foreign currency transaction fee*

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24/7 real-time currency exchange - Lock in favourable rates and have foreign currencies ready for your travels

Plus - With BEA Mobile, you can switch the Auto Currency Conversion on or off anytime to suit your needs.

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Default "ON": If your foreign currency balance is insufficient, your payment will be debited from your Hong Kong dollar account to ensure a smooth transaction

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Turned "OFF": If your foreign currency balance is insufficient, the transaction will be declined, giving you more control over your foreign currency spending

* If the transaction currency is not one of the 10 supported foreign currencies, the transaction amount will be converted directly into Hong Kong dollars at Mastercard's daily exchange rate, and a transaction fee of 1.95% of such amount in Hong Kong dollar will be levied by BEA.

Demo

With BEA Mobile, it's easy to set daily transaction spending and withdrawal limits. You can even set a separate limit for Card-Not-Present Transactions (such as online payments) - giving you greater peace of mind!

ATM Cash Withdrawal Limit:

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Transaction Limit:

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Local / Overseas ATM Withdrawal HK$80,000
POS / Online / EPS Transactions HK$100,000
Transfers within BEA accounts HK$50,000
Interbank Transfers (JETCO) HK$15,000
PPS / JET Payment HK$100,000

With the Multi-Currency Debit Card, you can choose how you get rewarded - with Cash Rebates or Bonus Points. It's more than just a perk, it's the freedom to decide for yourself!

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0.5% Unlimited Cash Rebate - Automatically deposit into your Hong Kong dollar account upon posting

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HK$1 = 1 Bonus Point - Monthly lump sum deposit to your selected credit card account account

Default spending reward option is set to Cash Rebates. You can change to Bonus Points anytime via BEA Mobile. Your new selection will take effect on the 1st day of the following month, giving you flexibility to suit your needs.

Remarks:

  1. 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.
  2. Customers who choose the "Bonus Points" rewards mode must hold an eligible BEA credit card account.
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One-time password (OTP) /
i-Token 2-Factor Authentication

All online and high-risk transactions require 2-factor authentication - Verify transactions by using either OTP via SMS or authentication via i-Token.

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Instant Transaction Notifications

Real-time alerts after purchasing through Mastercard network - Receive SMS and email notification with transaction amount and merchant names.

Debit Card Management

Flexibly control your debit card - suspend or resume card usage at any time. In case of loss or suspected fraud, you can instantly suspend your Debit Card.

Contactless Payments

Conveniently tap to pay at merchants worldwide - Small-valued transactions do not require a PIN or signature#.

# If the amount exceeds the contactless limit or as required by merchants, signature may be required. For details, visit: https://www.mastercard.com.hk/en-hk/frequently-asked-questions.html

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Debit Card now

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