Features

BEA GOAL digital spending services
BEA GOAL Credit Card

The BEA GOAL Credit Card provides seamless digital instant approval1. Cardholders can add their approved credit cards to their digital wallets and receive spending rewards immediately

Enjoy rebates of up to 6.4%2 on everyday spending:

  • Basic rebate (Eligible retail spending): 0.4%
  • Extra rebate of up to 6% on designated categories
    • Online Shopping: 4%
    • Entertainment: 5%
    • Travel and local transport: 6%

Priority booking for the hottest concerts in town

Instant approval, instant use and instant joy! Enjoy a variety of spending rewards!

Details
BEA Mastercard Debit Card

Support 11 major currencies
With 24x7 foreign currency exchange and the AutoFX function, you can lock in preferred rates anytime, making overseas spending more convenient

HK$0 Handling Fee for Spending and Withdrawals
When spending abroad, you can debit directly from the relevant foreign currency accounts. Enjoy HK$0 handling fee* for overseas spending and withdrawals, allowing you to manage your finances with ease anytime, anywhere

* 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

Flexible Reward Modes
Switch between the "Unlimited 0.5% Cash Rebate" or "HK$1 = 1 Bonus Point" schemes anytime via BEA Mobile to flexibly suit your spending habits, making rewards even more rewarding

Details
BEA GOAL UnionPay Debit Card
  • By adding your BEA GOAL Debit Card to the UnionPay App, you can make mobile payments at merchant stores in Hong Kong, Mainland China (including the Greater Bay Area) and global merchants that accept UnionPay QR code payments to enjoy a more seamless payment experience
  • You can also withdraw cash by scanning the UnionPay QR code from most of the ATMs in Hong Kong

Apply once, enjoy the auto instalment anytime:

  • Any retail purchase equal to or above the designated minimum instalment amount (per single transaction) will be repaid by instalment automatically. Manual application for card instalment every month is exempt
  • Activate or Amend “Pay My Way” Auto Instalment programme any time without any charges
  • Enjoy automatic, flexible, autonomous spending experience
Details

View BEA GOAL exclusive rewards at a glance

Whether saving, investing, protecting or spending, BEA GOAL has offers to suit your needs and help you earn more with ease!

View latest offers

Account opening and application channels

BEA Mobile app icon

New customers and others

Open a BEA GOAL account through BEA Mobile

Demo Apply now
BEA Online icon

BEA i-Account customers

Apply to become a BEA GOAL customer through BEA Mobile or BEA Online

Apply now
QR code for applying for BEA GOAL through the app

Using a desktop computer?

Scan the QR code with your mobile device to apply through BEA Mobile

  1. The approval time is subject to the individual circumstances of each applicant.
  2. Subject to the terms and conditions of the BEA Credit Cards – Privilege Services and Spending Reward.
  3. "Pay My Way" is an instalment loan. For details of "Pay My Way" Auto Instalment programme, please click here. BEA will treat each instalment and/or handling fee (as applicable) as a retail purchase transaction. It will be (i) charged to the Designated Account as retail purchase transaction and (ii) equally subject to the terms and conditions of the BEA Credit Cardholder Agreement (Personal Account) (the "Cardholder Agreement") (including but not limited to any interest, handling fee and/or charge calculation).

Foreign exchange involves risk.

Terms and conditions apply.

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

All photos are for reference only.