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 Promotion

Get extra cash with GOMOX!

GOMOX! Apply for Mox Account and Mox Credit, spend and earn extra cash!

From now until 31 May 2022, open a Mox Account with the Invitation Code GOMOX and apply for Mox Credit. Upon approval, you can start towards earning your cash reward - just spend at least HKD500 with Mox Credit on eligible transaction(s) during the period from the account opening date and the following 30 days, and you will receive a HKD500 cash reward in your Mox Account*.

2022 Consumption Voucher Scheme Invitation Code Promotion – GOMOX quota of 15,000^ applies on a first-come-first-served basis, while quota lasts!

*Promotion period: 14 April – 31 May 2022. 2022 Consumption Voucher Scheme Invitation Code Promotion – GOMOX terms and conditions apply.

^Quotas are counted based on the number of customers who have successfully opened a Mox Account (not based on the completion of the Mox Credit Spend Requirement).

Learn more

A new round of CashBack offers is here!

Earn while you shop! Earn 5% or 3% CashBack when you pay with Mox Credit. Shop for travel, tech, food and fashion at Deliveroo, HKTVmall , Pricerite, Atome, csl., NIKE, Apple Services, Trip.com and more*.

*General Terms and Conditions (in particular, see Schedules 1 and Schedule 3 to the General Terms and Conditions) apply. See also the Mox CashBack Table in the ‘Legal documents’ section of our website for specific details of our current CashBack offers.

CashBack offer period ends on 30 June 2022 (except for HKTVmall and Pricerite which will end on 31 May 2022).

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!

¹Mox Credit 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 May 2022 to 30 June 2022, earn up to HKD100 of 5% CashBack when spending on eligible transactions with Mox Credit at selected 5% CashBack Merchants; and earn up to HKD50 of 3% CashBack when spending on eligible transactions with Mox Credit at selected 3% CashBack Merchants.(Please note, the CashBack offer period of HKTVmall and Pricerite will end on 31 May 2022). General Terms and Conditions (in particular, see clause 7 of Schedule 1 to the General Terms and Conditions) apply. See also the CashBack table in the ‘Legal documents’ section of our website for specific details of our current CashBack offers.

⁴From 4 May 2021, earn 1% Unlimited CashBack when spending with Mox Credit on eligible transactions. CashBack terms and conditions apply. See also the CashBack table in the ‘Legal documents’ section of our website for specific details of our current CashBack offers.

⁵Eligible transactions only. CashBack terms and conditions apply. See also the CashBack table in the ‘Legal documents’ section of our website for specific details of our current CashBack offers.