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SupremeGold

New SupremeGold customers can enjoy rewards of up to HK$3,200 and other welcome privileges of up to HK$31,080!

From now till 30 September 2025, new SupremeGold customers can enjoy Welcome Reward of up to HK$3,200 plus HK$31,080 other privileges!

Time Deposit Rate^*

Designated Fund Amount (HK$ or equivalent)	Tenor	Interest rate (p.a) for designated currencies
Designated Fund Amount (HK$ or equivalent)	Tenor	HKD	USD
$100,000 - $10,000,000	3 months	1.00%	3.80%
	6 months	1.65%	3.85%
	12 months	1.85%	3.45%

Quota applies; available on a first-come, first-served basis.

* The interest rate quoted in this website for time deposits is for reference only and is not guaranteed. The Bank of East Asia, Limited (“BEA”) reserves the right to make any adjustment to its interest rates from time to time at its sole discretion. For details, please click here.

Exclusive to New-to-bank Customers

Welcome Reward

Maintain Initial Funds till the end of the 3^rd month upon the account opening

Initial Funds (HK$ or equivalent)	Credit Card Free Spending Credit (HK$)
≥$1,000,000	$3,200
≥$500,000 - <$1,000,000	$1,000

Wealth Portfolio Reward

Maintain designated funds and meet Designated Investment Product Balance and/or Designated Foreign Currency Deposit Balance on the last day of the 3^rd month

Investment
Designated Investment Product^{^}Balance (HK$ or equivalent)	Credit Card Free Spending Credit (HK$)
≥$5,000,000	$20,000
≥$2,000,000 - <$5,000,000	$10,000
≥$200,000 - <$2,000,000	$2,000
≥$100,000 - <$200,000	$1,000

^ “Designated Investment Product Balance” refers to the daily total balance of Designated Investment Products of the investment sub-accounts under the SupremeGold Account (including the cap of securities balance calculated). “Designated Investment Products” refers to investment funds, linked deposits (excluding currency-linked deposits) and securities. The cap of securities balance calculated is based on the balance of investment funds and linked deposits (excluding currency-linked deposits).

Foreign Currency
Designated Foreign Currency^ Deposit Balance (HK$ equivalent)	Credit Card Free Spending Credit (HK$)
≥$100,000	$200

^ Designated Foreign Currency refers to currencies excluding United States Dollar (USD) and Hong Kong Dollar (HKD)

Portfolio Building Reward

Maintain Average Daily Relationship Balance of ≥HK$500,000 during the 4^th - 6^th month and meet Designated Investment Product Balance on the last day of the 6^th month

Designated Investment Product^{^}Balance (HK$ or equivalent)	Credit Card Free Spending Credit (HK$)
≥$500,000	$350
≥$300,000 - <$500,000	$200

^ “Designated Investment Product Balance” refers to the daily total balance of Designated Investment Products of the investment sub-accounts under the SupremeGold Account (including the cap of securities balance calculated). “Designated Investment Products” refers to investment funds, linked deposits (excluding currency-linked deposits) and securities. The cap of securities balance calculated is based on the balance of investment funds and linked deposits (excluding currency-linked deposits).

Exclusive to Upgraded Customers

Upgrade Reward

Maintain Initial Funds till the end of the 3^rd month upon the account upgrade

Initial Funds (HK$ or equivalent)	Credit Card Free Spending Credit (HK$)
≥$1,000,000	$800
≥$500,000 - <$1,000,000	$700

Investment Rewards

Risk Assessment Questionnaire Completion Reward

Successfully open an investment account and complete Risk Assessment Questionnaire through BEA Mobile or BEA Online to enjoy HK$30 cash reward

For details, please click here.

Investment Transaction Reward

Accumulative Designated Investment Transaction^# Amount (HK$ or equivalent)	Credit Card Free Spending Credit (HK$)
≥ $5,000,000	$8,000
≥$3,000,000 - <$5,000,000	$4,500
≥$1,000,000 - <$3,000,000	$1,500
≥$500,000 - <$1,000,000	$500
≥$100,000 - <$500,000	$200

^# “Designated Investment Transactions” refers to lump-sum subscriptions for funds (excluding Monthly Investment Plan subscriptions, fund switching, fund redemption, transfer-in of funds, and fund subscriptions with a subscription fee of lower than 1%), linked deposits (excluding callable interest rate index-linked deposits and currency-linked deposits with tenor of less than 60 days), bonds (excluding bonds issued by the Hong Kong Special Administrative Region Government, bonds issued by entities or organisations that are wholly owned by the Hong Kong Special Administrative Region Government, sovereign bonds issued by the Central People’s Government or bonds issued by policy banks of the People’s Republic of China) and certificate of deposits. The total accumulated investment transaction amount of currency-linked deposits and certificate of deposits is calculated with a cap of HK$500,000 (or equivalent).

For details, please click here.

Securities Account Welcome Offer

New Securities Customers can enjoy HK$0 brokerage fee for HK stocks / US stocks / A-shares in first 3 months through BEA SmarTrade, with brokerage fee rebate of up to HK$4,000
New US Stocks Trading Customers can enjoy HK$0 brokerage fee for US stocks in first 3 months through BEA SmarTrade, with brokerage fee rebate of up to HK$2,000

US Stocks Monthly Investment Plan Offer

Handling fee waiver in the first 3 months

Securities Customer Membership Programme

Brokerage Discount Rebate of up to 10%

Securities Transfer-In Cash Reward

Up to HK$2,000

Digital Unit Trust Subscription Fee

As low as 0.88%

BEA MAXSaver

Up to 4.80% p.a. preferential savings deposit rate plus Early Bird Offer HK$100 cash coupon

For details, please click here.

Other Privileges

Mobile Banking Reward

HK$100 cash reward for the first time login and i-Token activation through BEA Mobile

For details, please click here.

SupremeGold World Mastercard Welcome Offer

Up to HK$400 cash rebate upon eligible spending within 2 months

For details, please click here.

SupremeGold World Mastercard Privileges

Perpetual annual fee waiver
Up to 12.5X Bonus Points^{^} (= 5% cash rebate) for the designated spending categories:
Wine & Dine | Health & Medical | Electronic & Gadget | Sport & Fitness | Overseas Purchase
Airport Transfer Limousine Service
Up to 55% off on medical check-up plans at Blue Care Medical Centres

For details, please click here.

^ Only applicable for cardholders enrolled in “BEA Bonus Point Reward” who successfully registered the designated promotion in the BEA Mall App, please click here

Safe Deposit Box Offer

2 months of rent-free service
5% off on safe deposit box rental fee

For details, please click here.

Insurance Offers

20% premium discount on Travel Protection Insurance
Up to 45% premium discount on the first payment on Domestic Helper Protection Insurance
20% premium discount on the first annual payment on Household Protection Insurance and Frequent Traveler Insurance
15% premium discount on the first annual payment on Personal Accident Insurance

Monthly Service Fee Waiver

To enjoy the monthly service fee waiver, the New-to-bank Customer or Upgraded Customer must fulfil any one of the conditions below:
- Average Daily Relationship Balance of HK$500,000 or above; or
- Average daily investment balance of HK$300,000 or above; or
- Aggregate mortgage loan drawdown amount of HK$3,000,000 or above; or
- Aggregate payroll amount in preceding month of HK$60,000 or above; or
- Aggregate annual premium for AIA's life insurance policy^* of HK$100,000 or above

* The life insurance policy(ies) underwritten by AIA International Limited (incorporated in Bermuda with limited liability) and AIA Everest Life Company Limited should still be in force and should be incorporated into the SupremeGold Account statement.

Member-Get-Member Referral Programme

Refer your friends or relatives to enjoy fabulous rewards. For details, please click here.

SupremeGold Account Promotion Terms & Conditions

Important Notice:

Investment involves risks. The price of units may go down as well as up, as the investments of a fund are subject to market fluctuations and the risks inherent in investments. You should not make an investment decision based solely on this material.
Before making any investment decision, you should refer to all relevant investment funds' offering documents, including but not limited to the Explanatory Memorandum, for detailed information including the risk factors.
The investment decision is yours, but you should not invest in an investment fund unless the intermediary who sells you a subscription has explained to you that the investment fund is suitable for you in light of your financial situation, investment experience, and investment objectives.
A fund may not be available in all jurisdictions and/or may be subject to restrictions. If you are in doubt, you should seek independent professional advice.
Linked deposits are structured products involving derivatives. Linked deposits are not protected deposits under the Deposit Protection Scheme or covered by the Investor Compensation Fund in Hong Kong Special Administrative Region.
The prices of securities may move up or down, and may even become valueless. There is an inherent risk that you may incur losses rather than gain profit as a result of buying and selling securities. It is possible that you may lose some or all of your investment as a result of conducting securities transaction. Information contained herein is for reference only. It does not constitute any offer, solicitation, or recommendation for the purchase or sale of any investment products or the provision of investment services.
The value of investment portfolio or foreign currency or USD deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert the investment portfolio or foreign currency or USD deposit to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversion to build that investment portfolio or foreign currency or USD, you may suffer loss in principal.
Bonds/certificate of deposits are investment products. The investment decision is yours but you should not invest in bonds/certificate of deposits unless the intermediary who sell the products has explained to you that the products are suitable for you having regard to your financial situation, investment experience and investment objectives.
Bonds/certificate of deposits are not deposits and are not protected by the Deposit Protection Scheme in Hong Kong Special Administrative Region.
Bonds/certificate of deposits are subject to both the actual and perceived measures of creditworthiness of the issuer. There is no assurance of protection against a default by the issuer in respect of the repayment obligations. In the worst case scenario you might not be able to recover the principal and coupon if the issuer defaults on the bond/certificate of deposits.
This material has not been reviewed by the Securities and Futures Commission in Hong Kong Special Administrative Region.
The information provided in this promotional material is intended solely for informational purposes and does not constitute an offer, solicitation, invitation, or advice to subscribe to any securities or investment products.
Travel Protection Insurance, Household Protection Insurance, Domestic Helper Protection Insurance, Frequent Traveller Insurance and Personal Accident Insurance are underwritten by Blue Cross (Asia-Pacific) Insurance Limited（藍十字（亞太）保險有限公司）(“Blue Cross”), a subsidiary of AIA Group Limited. The above information does not contain the full terms & conditions of the policy and is for reference only. Please refer to the policy for the exact terms & conditions and the full list of policy exclusions. The Bank of East Asia, Limited (“BEA”) is an appointed insurance agency of Blue Cross. The above insurance plans are products of Blue Cross but not BEA. All benefits payable under the above insurance plans are subject to the credit risk of Blue Cross.
Blue Cross (Asia-Pacific) Insurance Limited is a subsidiary of AIA Group Limited. It is not affiliated with or related in any way to Blue Cross and Blue Shield Association or any of its affiliates or licensees.
This material is for distribution in Hong Kong Special Administrative Region only. The distribution of this material is not and shall not be construed as an offer to sell or a solicitation to buy or a provision of any insurance product outside Hong Kong Special Administrative Region.
For distribution of investment and insurance products: In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BEA and the customer out of the selling process or processing of the relevant transaction, BEA is required to enter into a Financial Dispute Resolution Scheme process with the customer.