Mox Credit.
Better than a credit card

The world is changing. That’s why we’ve designed Mox Credit¹ better.

  • Apply in minutes and get an instant decision, plus no annual fee²
  • Earn Unlimited CashBack³’⁴’⁵ in real cash
  • Split a transaction anytime with Split Purchase
  • Get extra cash immediately with Instant Loan, no additional documentation needed
  • Easily transfer money and pay bills for more flexibility
  • One card for Mox Credit transactions and Mox Account withdrawals
  • Enjoy up to 56 days interest-free

Mox Credit.
Better than a credit card

The world is changing. That’s why we’ve designed Mox Credit¹ better.

  • Apply in minutes and get an instant decision, plus no annual fee²
  • Earn Unlimited CashBack³’⁴’⁵ in real cash
  • Split a transaction anytime with Split Purchase
  • Get extra cash immediately with Instant Loan, no additional documentation needed
  • Easily transfer money and pay bills for more flexibility
  • One card for Mox Credit transactions and Mox Account withdrawals
  • Enjoy up to 56 days interest-free
Apply nowApply now
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Protect yourself from bogus phone calls

Please be aware of bogus phone calls, fraudulent SMS messages, phishing websites and email purportedly from banks. Should you have any suspicion, please contact our Customer Care Team at +852 2888 8228 or report to the Police immediately. Please click here for more information.

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New Customer Offer

Welcome Bonus upgraded for new customers – Enjoy up to 3% p.a. total deposit rate!

Celebrating our 2nd anniversary, we’re bringing fantastic rewards and offers 2 you, so that you can share our joy during this September. Open a Mox Account between 1 and 30 September, you will automatically enjoy up to 3% p.a. Welcome Bonus on your deposits of up to HKD500,000 throughout the first 60 days with Mox!

Promotion period: 1 April 2022 – 30 September 2022

Welcome Bonus Promotion (April – September 2022) terms and conditions apply.

Learn More

Bank the way you like

We’re the generation that like to be in full control. And with Mox, you are. You can see all your money in one place, make transfers or payments with just a few taps, and gain insights into your spending patterns. Enjoy even more freedom by adding Mox Credit to your Apple Pay and Google Pay.

Grow with daily interest

Modern times bring better ways to save. Organise your savings by setting up Goal accounts. Name them as you like, track your progress in real-time and earn daily interest to reach your Goals faster. You can use our Savings Calculator for budgeting and automating your saving. Saving is a life-changing habit, form it early and you’ll benefit for good.

Mox really rewards you

Who needs loyalty points when you can earn CashBack³ in real cash. It’s calculated instantly and credited to your Mox Account daily, helping you further earn daily interest and grow your money, even as you spend.

You can earn CashBack on all eligible payments with your Mox Card (using Mox Credit or your Mox Account), including those made using Apple Pay and Google Pay.

Mox Credit

Up to
5%
CashBack
CashBack² is on its way!
1%
Unlimited CashBack
everywhere else⁴

Mox Card (spending from Mox Account)

0.5%
Unlimited CashBack
everywhere else⁵

Mox really cares about what you care about

Today is a new day for spending rewards. Everything at Mox, from our products and features to rewards, is designed based on customer research, and is tailor-made for your needs. We care about what you care about, especially your data security and privacy protection. Data ethics is imperative to everyone at Mox. Our service is honest and transparent. All our terms and conditions are upfront and clear. View our Security tips here.

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

¹General Terms and Conditions (in particular, see Schedule 3 to the General Terms and Conditions) and the Mox Credit Key Facts Statement apply.

²In some circumstances, we may require you to provide supporting documents by a simple submission process when you apply for Mox Credit. The approval time for Mox Credit is subject to a customer’s individual circumstances.

³From 1 September to 31 October 2022, earn up to HKD50 of 3% CashBack on eligible transactions made with Mox Credit at CashBack Merchants. From 1 August to 30 September 2022, if ‘5% CashBack Unlock’ is activated, earn up to HKD100 of 5% CashBack (the cap will be shared with 3% CashBack) on eligible transactions made with Mox Credit at CashBack Merchants. Our General Terms and Conditions (in particular, see clause 7 of Schedule 1) apply. See also the Mox CashBack Table in the ‘Legal documents’ section of our website for specific details of our current CashBack offers. 5% CashBack Unlock Promotion terms and conditions apply. You may also refer to the promotion FAQ.

⁴From 4 May 2021, earn 1% Unlimited CashBack on eligible Mox Credit transactions; and earn 0.5% Unlimited CashBack on eligible Mox Card transactions.​

⁵General Terms and Conditions (in particular, see clause 7 of Schedule 1) apply and visit Mox CashBack Table for more details.