The Bank of East Asia Elite Card is the most affordable entry point into premium credit cards in Hong Kong, with an annual fee of just HK$4,800—HK$1,000 cheaper than #9's Hang Seng Prestige 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.
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