Bank of East Asia Elite Card

It offers 4 lounge visits per year via LoungeKey and up to 5% cashback at partner restaurants, a rate that doubles the average dining reward of 2.5% among premium cards. Despite its lower cost, it includes comprehensive travel insurance coverage up to HK$1 million, though that is HK$500,000 less than the Hang Seng Prestige Card's limit. Verified April 2026 from the BEA website, this card suits cost-conscious travelers who value essential perks over unlimited luxury.