The Bank of East Asia

Personal Banking

The Hong Kong Racehorse Owners Association World Mastercard

Key Facts Statement/Schedule of Fees and Charges 


As a The Hong Kong Racehorse Owners Association ("HKROA") World Mastercard cardholder, you will enjoy the following exclusive privileges in recognition of your prestigious status

  1. Applicant must be a Hong Kong resident aged 18 or above; and
  2. A member of The Hong Kong Racehorse Owners Association
Exclusive Privileges to HKROA World Mastercard Cardholders


2X Bonus Points for settling HKROA annual membership fee by auto-pay 


Bonus Points Rewards

You can select either one of the Bonus Points rewards below:

Option 1: BEA Mileage Reward1,3,4

  • Unlimited 1.6X Bonus Points for all eligible spending
  • HK$5 = 1 Mile (No handling fee)

Option 2: BEA Dining Reward2,3,4

  • Unlimited 4X Bonus Points at all dining outlets in Hong Kong
  • Redeem your Bonus Points for a wide selection of merchant cash coupon

Each request to change from “BEA Dining Reward” to “BEA Mileage Reward” after successful card approval will incur a handling charge of HK$1,800 per principal card.


Other Prestigious Privileges

  • Up to 55% off on Blue Care Medical Centre check-up plans


  • Priority booking for spectacular concerts

World Mastercard® Exclusive Privileges

  • Enjoy an array of global experiences and offers on travel, shopping, dining, lifestyle, and entertainment exclusively for World Mastercard® holders. Please visit for details.

Mastercard® PayPassTM function

  • The built-in contactless transaction function enables you to simply tap your card to make payments of up to HK$1,000 wherever Mastercard®PayPassTM is accepted. For details, please visit the Mastercard website at
  Perpetual Annual Fee Waiver


  1. On top of the basic Bonus Points earned, cardholders will earn an extra 0.6X Bonus Points for all eligible spending (except PayMe/reloads through the Octopus Automatic Added Value Service). For details about which spending is eligible for basic Bonus Points, please refer to the Bonus Gallery Terms & Conditions.
  2. Transaction eligibility shall be determined at the sole and absolute discretion of BEA according to the merchant codes issued by Mastercard Asia/Pacific (Hong Kong) Limited.
  3. Transactions made at supermarkets, travel agencies, to government departments; and recurring transactions and/or autopay transactions will not be eligible for extra Bonus Points/cash rebate.

  4. Insurance premium transaction will not be eligible for Bonus Points/cash rebate.


Terms and Conditions

To borrow or not to borrow? Borrow only if you can repay!



To borrow or not borrow? Borrow only if you can repay!
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