SupremeGold

Up to HK$10,500 welcome reward + privileges worth up to HK$60,628

From now till 30 November 2026, new SupremeGold customers can enjoy Welcome Reward of up to HK$10,500 plus privileges worth of up to HK$60,628!

Time Deposit Rate^* - Branch

Designated Fund Amount (HK$ or equivalent)	Tenor	Interest rate (p.a) for designated currencies
Designated Fund Amount (HK$ or equivalent)	Tenor	HKD	USD
$1,000,000 - $10,000,000	3 months	3.15%	4.00%
	6 months	3.30%	4.10%
	12 months	3.35%	4.10%

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$)
≥$2,000,000	$10,500
≥$1,000,000 - <$2,000,000	$6,500
≥$500,000 - <$1,000,000	$3,300

Quota applies to the Welcome Reward on a first-come, first-served basis. Sign-up closes once full. BEA reserves the sole right to vary or cancel the reward and/or amend or alter these Terms and Conditions at any time without prior notice.

Mobile Account Opening Reward

Open account via BEA Mobile remotely to enjoy extra HK$380 credit card free spending credit!

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
≥$500,000 - <$2,000,000	$5,000
≥$200,000 - <$500,000	$2,500
≥$100,000 - <$200,000	$1,250

^ "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), equity linked investment and securities. The cap of securities balance calculated is based on the balance of investment funds, linked deposits (excluding currency-linked deposits) and equity linked investment.

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)

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	$6,500
≥$500,000 - <$1,000,000	$3,300

Quota applies to the Upgrade Reward on a first-come, first-served basis. Sign-up closes once full. BEA reserves the sole right to vary or cancel the reward and/or amend or alter these Terms and Conditions at any time without prior notice.

Wealth Portfolio Reward

Maintain designated funds and meet Designated Investment Product Balance on the last day of the 3^rd month

Investment
Designated Investment Product^{^}Balance (HK$ or equivalent)	Credit Card Free Spending Credit (HK$)
≥$2,000,000	$800
≥$100,000 - <$2,000,000	$500

Wealth Management 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$40 cash reward

For details, please click here.

Financial Needs Analysis Offer

- Up to HK$1,370 worth of privileges upon completing designated Financial Needs Analysis^

^Remarks: Customers must complete Section I to III of Financial Needs Analysis. For details, please click here.

Investment Transaction Reward

- Up to HK$23,800

For details, please click here.

New 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

For details, please click here.

US Stocks Monthly Investment Plan

- Handling fee waiver in the first 3 months

For details, please click here.

Securities Transfer-In Double Rewards

- Up to HK$6,000

For details, please click here.

Securities Customer Membership Programme

- Brokerage Discount Rebate of up to 10%

For details, please click here.

BEA Mastercard Debit Card x BEA SmarTrade Securities Trading Promotion

- Complete designated transactions to enjoy $200 cash reward

For details, please click here.

Other Privileges

Tax Season Loan

- APR as low as 1%* or Cash Rebate of up to HK$22,888
- Loan amount up to 18 times of monthly salary
- 0% handling fee
- Repayment tenor up to 60 months

* The Annualised Percentage Rate ("APR") as low as 1.00% ("Preferential Interest Rate") is for reference only. It is calculated based on a loan amount of HK$4,000,000, with a monthly flat rate of 0.0450% and a repayment period of 12 months. The Preferential Interest Rate is only applicable to customers who fulfil the credit requirements of BEA and whose Salaries Tax or Personal Assessment for 2025/2026 is HK$1,000,000 or above. Customers successfully approved for the Preferential Interest Rate cannot enjoy cash rebates or other promotional offers concurrently. Loan applications are subject to BEA’s approval; if the requirements are not met, BEA may evaluate the application on a case-by-case basis and adjust the interest rate. The Preferential Interest Rate is offered on a first-come, first-served basis at BEA’s absolute discretion, and BEA will not provide notification regarding quota usage. The APR as shown is calculated according to the standard method set out in the Code of Banking Practice and is rounded up or down to the nearest 2 decimal places, and includes the full arrangement fee waiver.

Terms and Conditions apply. For details, please click here.

Auto-payroll Rewards

- Up to 2.0% p.a. Bonus Interest Rate
- Extra up to HK$888 cash reward

For details, please click here.

New Fund Time Deposit Offer

- Complete designated investment transactions or successfully apply for a designated AIA individual insurance plan for HKD time deposit rate of up to 4.0% p.a.

For details, please click here.

BEA MAXSaver

- Up to 5.10% p.a. preferential savings deposit rate

For details, please click here.

Mortgage Reward

- Up to HK$3,300 cash reward

SupremeGold World Mastercard Welcome Offer

- Up to HK$500 upon eligible spending

For details, please click here.

SupremeGold World Mastercard Privileges

- Perpetual annual fee waiver
- Up to 12.5X Bonus Points^ (= 5% 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.

Mobile Banking Rewards

- Up to HK$150 cash reward

For details, please click here.

Online Foreign Exchange Promotion

- Up to HK$4,180 cash reward

For details, please click here.

Life Insurance Offers

- Up to 40% Premium Refund and up to 7% premium discount

For details, please click here.

General 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
- 5% premium discount on the first annual payment on Household Protection Plus Insurance

Safe Deposit Box Offer

- 5% off on safe deposit box rental fee

For details, please click here.

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.

Unless otherwise specified, offers are valid until 30 November 2026.

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.
- 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. Some linked deposits are not capital protected and are subject to the performance and risks of the underlying assets, you could lose their entire investment as the underlying may become worthless in extreme cases.
- Equity Linked Investment and Interest Rate Linked Structured Note Investment are structured products involving derivatives and are not capital protected and is subject to the performance and risks of the underlying assets, you could lose their entire investment as the underlying may become worthless in extreme cases.
- Some Equity Linked Investment and Interest Rate Linked Structured Note Investment may not have active secondary market, and may take longer time or impossible to sell to the market and may receive an amount which is substantially less than your original investment amount if you sell it or terminate it before maturity.
- 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 deposit.
- Bonds/certificate of deposits are NOT protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong.
- Investment involves risks. The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made 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. Past performance is not indicative of future performance. 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 your investment portfolio or your foreign currency or USD deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your investment portfolio or your 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.
- Investing in foreign market securities carries foreign exchange risk and additional risks not generally associated with securities in the domestic market. The value or income (if any) of foreign market securities may be volatile due to the fluctuation of exchange rate and adversely affected by changes in many factors. Investors should read in detail the relevant Risk Disclosure Statements before making any investment decision.
- Foreign exchange rates fluctuate, and may go down as well as up. It is possible that you may lose some or all of your investment as a result of conducting foreign exchange transactions.
- Investment involves risks. This document does not identify all the risks (direct or indirect) or other considerations, which might be material to you when entering into the transactions. Before entering into a transaction, you should ensure that you have sufficient knowledge and experience, and have received sufficient professional advice to make your own evaluation of the merits and risks of such a transaction. You should make sure you fully understand the risks associated with the relevant product and should also consider your own investment objectives and risk tolerance level. You should consult your own business, tax, legal, and/or accounting advisor(s) and refrain from entering into any transaction unless you have fully understood the associated risks and have independently determined that the transaction is appropriate for you.
- This document and any indicative terms provided to you are solely for information purposes and do not constitute an offer, invitation or inducement or advice or recommendation on behalf of BEA to any person to buy or sell any security or investment product. The information and analysts contained in this page have been compiled or arrived at from sources believed to be reliable but BEA does not make any representation as to their accuracy or completeness and does not accept liability for any loss arising from the use hereof.
- No representation or warranty is made that any indicative performance or return indicated will be achieved in the future. You are reminded that you are responsible for your investment decisions and should read the relevant offering documents and exercise of your own judgement. The advice or opinion expressed by BEA is based on certain assumptions.
- This material has not been reviewed by any regulatory authority in Hong Kong Special Administrative Region or elsewhere.
- This document serves as a generic description of the product. Individual products launched may come with variations to the basic structure. For further clarification on specific products, please contact your financial advisor or seek for independent advice.
- 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.
- The life insurance plans are underwritten by AIA International Limited (incorporated in Bermuda with limited liability) ("AIA"). The Bank of East Asia, Limited ("BEA") is an appointed insurance agency of AIA. The life insurance plans are products of AIA but not BEA. All benefits payable under the life insurance plans are subject to the credit risk of AIA.
- In case you want to read policy contract sample before making an application, you can obtain a copy from AIA. Life insurance policies are long-term contracts of insurance. Should you surrender the policy early, you may receive an amount considerably less than the total amount of premiums paid.
- Regarding the “Financial Needs Analysis Offer”, eligible customers can receive the offer regardless of whether any insurance application is made.
- The general insurance plans 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 general 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 investment product or 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.

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

All offers are subject to terms and conditions. For details, please call our Privilege Hotline on 2211 1833 or visit any BEA branch.

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