Mox Credit.
Better than a credit card

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

  • It only takes minutes to apply and you get an instant application decision²
  • Spend right away upon approval
  • Earn real CashBack³’⁴’⁵ – not reward points
  • One card for Mox Credit transactions and Mox Account withdrawals
  • No annual fee

Mox Credit.
Better than a credit card

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

  • It only takes minutes to apply and you get an instant application decision²
  • Spend right away upon approval
  • Earn real CashBack³’⁴’⁵ – not reward points
  • One card for Mox Credit transactions and Mox Account withdrawals
  • No annual fee
Apply nowApply now
Info
Scheduled upgrade for a better experience

We’re performing a scheduled system upgrade from HKT22:00 on 22 Jan 2022 to HKT10:00 on 23 Jan 2022. The Mox app, Mox Card and overall bank services will not be available during this time, but you will still be able to receive payments. In addition, certain features of Mox website (e.g. savings calculator, Mox Credit repayment calculator etc.) will also be disabled.

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

Earn more while you MOX AT HOME!

Safe at home and looking for some fun? From now to 28 Feb 2022, open a Mox Account for the first time with the invitation code "MOXATHOME" and get HKD250 Cash Reward^

^MOXATHOME Invitation Code Promotion terms and conditions apply.

Learn more
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New CashBack Merchants

Get 5% CashBack with HKTVmall EVERY DAY now!

With HKTVmall, good fortune is a click away! Expect discounts and speedy delivery on groceries, home essentials and more. Pay with Mox Credit and earn 5% CashBack every single day.

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

5%
CashBack
at 60+ selected CashBack Merchants³
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 Nov 2021 to 31 Jan 2022, earn up to HKD250 of 5% CashBack when spending on eligible transactions with Mox Credit at selected CashBack Merchants. 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.

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.