The Bank of East Asia

Personal Banking

Digital Spending Gear Up


Eat, shop, and play, and earn rewards

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

  • Successful credit card applicants can get a HK$600 Klook e-gift card or a HK$500 rebate2
  • Enjoy rebates of up to 18.4%3 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%
    • 12% rebate on mobile payments
      • Purchase at local bakeries, coffee shops, fast food restaurants and local transport through Apple Pay or Google Pay
  • Priority booking for the hottest concerts in town


Instant approval, instant use and instant joy!

Enjoy a variety of spending rewards!



“Pay My Way” Auto Instalment programme 4
    First in HK – Apply once, Enjoy the auto instalment anytime:
  • Any retail purchase equal or above the designated minimum instalment amount (per single transaction) will be repaid by instalment automatically. Manual application on card instalment every month is exempted
  • Activate or Amend“Pay My Way” Auto Instalment programme any time without any charges
  • Enjoy automatic, flexible, autonomous spending experience



Enhance mobile payments with UnionPay

  • 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
  • You can also withdraw cash by scanning the UnionPay QR code from most of the ATMs in Hong Kong



New customers can open account via BEA Flash App   <Demo>

BEA Flash App


BEA i-Account customers can apply to become a BEA GOAL customer via BEA App or Cyberbanking

  1. The Approval time is subject to the individual circumstances of each applicant.
  2. Subject to the terms and conditions of the BEA GOAL Credit Card Welcome Offer.
  3. Subject to the terms and conditions of the BEA GOAL Credit Card Basic and Extra rebates.
  4. “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).


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

All photos are for reference only.