The Bank of East Asia Card eliminates the annual fee entirely, saving you HK$150 compared to the average Hong Kong credit card. It delivers 1% cashback on every purchase, which is 0.3 percentage points higher than the typical 0.7% cashback rate in Hong Kong and outperforms #10 Mizuho Premier Card's generic rewards structure. With no minimum spending requirement, it's ideal for light spenders, and these verified terms from BEA's website in April 2026 ensure consistent value.
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