The digital version of your Mox Card will be available and ready to use for online payments as soon as you have created your Mox account. Delivery of the physical Mox Card will take 5-7 working days after you have created your Mox account. The status of your Mox Card's delivery will be shown in the app.
When you buy something, you may get a percentage of the amount that it costs paid back to you. We call this ‘CashBack’ – and it’s available on all eligible transactions. Mox’s CashBack is in Hong Kong dollars, paid directly into your Mox Account. No points and no conversion required, just cash that you can spend straight away!
No, CashBack applies to all eligible transactions, including e-commerce purchases using your digital or physical Mox Card. This includes (in most cases) payments through Apple Pay or Google Pay, but it does not include digital wallet top-ups.
For Promotional CashBack at our selected CashBack Merchants, CashBack will only be earned on transactions made directly with your Mox Card (including in most cases through Apple Pay or Google Pay) via the CashBack Merchant’s website, application or physical outlet.
Purchases made via third party digital wallets or payment gateways (for example, PayPal) at CashBack Merchants may not earn Promotional CashBack.
Please check the promotion terms and conditions and CashBack table or contact us for more information before making a purchase if you are unsure, via:
If you haven't used up the Cap for 5% CashBack on your last payment date of the eligible Split Purchase, you will earn 5% CashBack rate upon eligible Mox Credit transactions at the selected merchants until you have reached the 5% CashBack rate Cap. After that, your will be entitled to the 1% unlimited CashBack rate on eligible Mox Credit transactions.
If you hold another active eligible Split Purchase thereafter, you will be eligible for 5% CashBack Unlock again.
Fulfill either of the below requirements within the promotion period:
(a) successfully apply and be approved for a Split Purchase having a principal amount of at least HKD5,000, or
(b) already have an active Split Purchase with a principal amount of at least HKD5,000.
The aforementioned Split Purchase refers to a Split Purchase of single transaction or a Group Split Purchase of up to 5 transactions.
you are eligible for 5% CashBack Unlock as long as the principal of such Split Purchase is greater than or equal to HKD5000 at the time of set up.
You’ll be notified of the CashBack amount or CashBack Rate you can expect to receive instantly, but the CashBack will only be credited to your Mox Account once the transaction has been settled and confirmed by Mastercard or Mox as eligible for CashBack.
This usually takes two to three days. If the transaction status has changed to “complete” but the CashBack has not been paid into your Mox Account, please contact Mox’s Customer Care team via:
As noted above, you may initially receive a notification that you can expect to receive CashBack on a transaction, but the transaction could still be classified as ineligible. If so, you will not receive CashBack when the transaction is “complete”. Our Customer Care Team can check this for you.
Please also note that we will determine your eligibility for CashBack based on transaction records held by us. Our records are final and conclusive.
Please refer to our General Terms and Conditions in the ‘About us’ section of the Mox app for information on transactions that are ineligible for CashBack. Examples of ineligible transaction types are set out in clause 6 of Part B of Schedule 1 to our General Terms and Conditions. The list is non-exhaustive and the final decision to award CashBack depends on Mastercard’s or Mox’s categorisation of the transaction and its merchant code, and is ultimately determined by Mox in its absolute discretion.
The following transaction types are examples of those that are likely to constitute ‘ineligible transactions’ and will therefore not be eligible for CashBack:
(i) transactions made using your Mox Card which fall within certain merchant codes or categories designated by us (in our absolute discretion) or by Mastercard (in their discretion) from time to time. For example, a merchant may change their merchant code(s) or Mastercard may change how they categorise merchants or transaction types and this may affect your eligibility for CashBack;
(ii) gambling or betting transactions, including government licensed horse / dog racing;
(iii) cash withdrawals;
(iv) cash advances or balance transfers;
(v) payments through digital wallets (except in most cases for payments made through Google Pay or Apple Pay); and purchases with, or reloading of, stored value cards (including but not limited to Octopus account top-up transactions via an e-wallet or any other means);
(vi) payments in relation to crypto-currencies;
(vii) sending or transferring cash using your Mox Card or Mox Account (whether by a digital means or otherwise);
(viii) payments to financial institutions, including brokers and dealers;
(ix) bill payments, tax payments or insurance payments;
(x) purchases of foreign currencies, money orders or traveler’s cheques;
(xi) payments of financial charges or fees;
(xii) transactions which are designated by us (in our absolute discretion) or by Mastercard (in their absolute discretion) as ‘mail order’ or ‘postal service’ or ‘commuter passenger transportation’ transactions; and
(xiii) purchases of reward programs or memberships (designated as such by Mastercard)
Customer who use Mox Credit to conduct eligible transactions at the selected merchants but hasn't fulfilled the eligible criteria of 5% CashBack Unlock can earn 3% Cashback up to HKD50.
5% CashBack Rate
You will enjoy 5% CashBack on eligible Mox Credit transactions at selected merchants after you reach the 5% CashBack Unlock criteria. Together with what you have earned at the 3% CashBack rate, you will earn a total of HKD100 additional CashBack.
The CashBack amount you received on the transaction will be automatically deducted from your Mox Account. Please refer to our CashBack terms and conditions in the Mox app or on our website for more information.
There is no upper limit on how much CashBack you may earn at the unlimited CashBack Rate. However, we may cap the amount of promotional CashBack you may earn (we call this the “Cap”). Once you earn promotional CashBack up to an applicable Cap, you may continue to earn CashBack at an applicable unlimited CashBack Rate on eligible transactions.
For the current CashBack offer details and list of selected CashBack Merchants and applicable CashBack Rates and Caps available from time to time, please refer to the CashBack table on our website.
You can have your Mox Card added to Apple Pay along with other issuer’s cards. Please refer to www.apple.com/hk/en/apple-pay/ for the list of compatible devices and details of how many cards can be added to each device.
Given the Mox Card is a Mastercard debit card, several digital wallet operators in Hong Kong currently don’t accept it as a top-up method for their digital wallets. These operators include but are not limited to Alipay and PayMe.
‘Flip’ is a feature that gives Mox Credit customers the flexibility to choose between spending on their Mox Card with Mox Credit or from their Mox Account.
If you are a Mox Credit customer and you tap the ‘Flip’ button so that your Mox Card is linked to your Mox Account, all your spending (including any automatic payments previously set up by you on Mox Credit) will be deducted from your Mox Account.
If you are a Mox Credit customer and you don’t ‘Flip’ so that your Mox Card is linked to Mox Credit by default, all your spending will be charged to Mox Credit and show on your Mox Credit statement (except for cash withdrawals, for which we will take money out of your Mox Account unless you request a cash advance on Mox Credit). That includes any automatic payments previously set up by you while your Mox Card was linked to your Mox Account – they will also be charged to Mox Credit at the time they are due for payment if your Mox Card is linked to Mox Credit at that time.
Please note that if you do not have Mox Credit, all your spending will be deducted from your Mox Account and the ‘Flip’ feature will not be available to you.
Refer to the Mox Credit FAQ to understand how to apply for Mox Credit and have access to the ‘Flip’ feature.
After you tap the ‘Flip’ button in the Mox app, we will ask you to confirm that you’d like to change from spending with Mox Credit to spending on your Mox Card from your Mox Account.
When your Mox Card is linked to your Mox Account, all your new Mox Card transactions (including any automatic payments previously set up by you on Mox Credit) will be taken from your Mox Account.
Any transactions that were authorised before you tap the ‘Flip’ button (i.e. those that appear as ‘pending’ in the Mox app) will still be processed as Mox Credit transactions.
ATM cash withdrawals
Your ATM cash withdrawals from JETCO and Mastercard ATMs are not affected when you tap the ‘Flip’ button. To avoid charges, we recommend that you select ‘Savings account’ for ATM cash withdrawals so they are withdrawn from your Mox Account. If you choose to withdraw cash from Mox Credit, that is a cash advance and so interest, fees and charges per the Mox Credit Key Facts Statement will apply.
For Mox Credit customers that want to flip between the two spending methods – with Mox Credit or from their Mox Account – there are two ways to do it:
Tap the ‘Flip’ button under the digital Mox Card image under the main page on the Mox app.
Alternatively, go to the ‘Settings’ page in the side menu of the Mox app, tap ‘Account and Mox Card settings’ then choose ‘Flip Card spending mode’.
Friendly reminder: The ‘Flip’ feature is only available on the Mox app version 1.4.1 or above. You won’t be able to see and use the ‘Flip’ feature if you are using an older Mox app version, so please remember to update your Mox app regularly.
The ‘Flip’ feature is only available to Mox Credit customers. This means that if you close Mox Credit, the ‘Flip’ feature will no longer be available to you. After your Mox Credit is closed, all your future spending on your Mox Card will be taken from your Mox Account.
No, we’re sorry but our Customer Care Team is not able to change how you spend on your Mox Card. Please refer to the FAQ on where you can find the ‘Flip’ button on the Mox app for information on how you can change how you spend on your Mox Card.
Refunds will be credited to you in accordance with what your Mox Card is linked to at the time the refund is processed, and so not necessarily credited to what your Mox Card was linked to at the time the transaction was authorised. For example, if you refund a Mox Credit transaction and have subsequently ‘Flipped’ so that your Mox Card is linked to your Mox Account, and then refund that Mox Credit transaction, the refund amount will be deposited into your Mox Account (rather than credited to Mox Credit).
If you refund a purchase for which you have received CashBack, we reserve the right to withdraw from your Mox Account the CashBack you received on that transaction without prior notice, and it will not matter whether (or not) you have ‘Flipped’ in the meantime. Whether or not we withdraw the CashBack amount, your utilisation of any applicable Cap will not be adjusted, and the Cap will remain unchanged.
Please refer to the CashBack terms and conditions in the Mox app or on our website or more information.
No, there is no limit on the number of times you can use the ‘Flip’ button during a period of time. ’Flipping’ does not affect your credit score because each time you ‘Flip’ is not considered a new Mox Credit application.
No, any transactions that were authorised before you used the ‘Flip’ button will be processed based on what your Mox Card was linked to at the time those transactions were authorised and this cannot be changed. In this case, the transaction will be taken from your Mox Account.
After you tap the ‘Flip’ button, the change will take effect immediately and all future transactions will either be charged to Mox Credit or taken from your Mox Account (depending on what you have ‘Flipped’ to).
No, only one payment method is allowed to settle a single purchase on your Mox Card - you can’t use different spending methods to settle a purchase on your Mox Card.
At the time of purchase, if your Mox Card is linked to your Mox Account, the transaction amount will be taken from your Mox Account and displayed on your Mox Account statement. However, if your Mox Card is linked to Mox Credit at the time of purchase, the transaction amount will be processed and effected as a Mox Credit transaction and displayed on your Mox Credit statement.
Only Mox Credit customers can apply for HKT Autopay Switch. If you are a Mox Credit customer and have successfully set up HKT Autopay Switch on Mox Credit, the transaction will be charged to what your Mox Card is linked to at the time the transaction is processed by HKT.
That means that if you have ‘Flipped’ so that your Mox Card is linked to your Mox Account and HKT subsequently processes a transaction on your Mox Card, the transaction amount will be taken from your Mox Account and you’ll need sufficient balance in your Mox Account to settle the payment successfully. Also, you will only earn CashBack on that transaction at the Mox Card spending from Mox Account CashBack Rate and not the preferential CashBack Rate applicable to HKT Autopay Switch eligible transactions on Mox Credit.
Please refer to the CashBack terms and conditions in the Mox app or on our website for more information.
If the transaction exceeds your credit limit on Mox Credit or you have insufficient funds in your Mox Account for the transaction, it will be declined. We suggest that you use the ‘Flip’ button to change how your Mox Card is charged, and ensure you have sufficient funds in your Mox Account or sufficient credit limit on Mox Credit (depending on what you have ‘Flipped’ to) before making the transaction.
No, the ‘Flip’ feature only impacts the way you spend and how the transaction is charged to your Mox Card. For any spending charged to Mox Credit, how you repay, your obligation to repay and the charging of any fees, charges and interest does not change, regardless of whether or not you have ‘Flipped’ to spending from your Mox Account.
For details, please refer to the Terms and conditions for Mox Card with credit and the Mox Credit Key Facts Statement.
For purchases made from your Mox account, money will not be transferred back to your account until the dispute case is successfully completed. If the dispute case result is unsuccessful, a handling fee of HKD150 will be charged.
Alipay HK announced to stop accepting any debit cards, starting from 19 Nov 2020. As Mox Card is a debit card, we are sorry to inform you that you will not be able to use it to make purchases with Alipay HK until further notice.