Frequently asked questions

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How can I participate in the Mox Scratch Card Promotion?
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To be eligible to participate in the Mox Scratch Card Promotion, during the Promotion Period, you are required to complete an “Eligible Transaction” that is at least HKD800 on your Mox Card with Mox Credit.

For the definition of ‘Eligible Transaction’, please refer to clause 4 of the Promotion terms and conditions.

Will the Mox Scratch Card I earn expire?
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Yes. The Redemption Period for a Mox Scratch Card will begin on 20 January 2023 and end on 25 February 2023. If you fail to redeem any Mox Scratch Card during the Redemption Period, any unredeemed Mox Scratch Card and the respective cash reward will be deemed forfeited.

How many Mox Scratch Cards can I earn?
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You are eligible to receive up to 5 Mox Scratch Cards during the Promotion Period.

Where can I find the Scratch Card that I have won?
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You can find Scratch Cards that you win in the discover page and in the notification centre in your Mox app, by following the steps below:

  1. Home > Discover > Scratch Cards
  2. Home > notification centre > notification that says you have won a Scratch Card > Scratch Card
I have revealed my Scratch Card Cash Reward but it hasn’t been credited to my Mox Account yet. Why?
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The Mox Scratch Card Cash Rewards referable to Mox Scratch Cards that have been successfully redeemed during the Redemption Period will be credited into your Mox Account on or before 25 February 2023.

Why can’t I redeem or view the Scratch Card details in the Mox app?
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You need to have Mox app to the latest version.

If you have made an Eligible Transaction before updating your Mox app, you can see notifications in the notification centre but you need to update your Mox app to the latest version in order to redeem or view the the Mox Scratch Card in the discover page

If I join the Mox Scratch Card Promotion, can I still earn CashBack?
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You will be eligible to earn 1% unlimited CashBack on Eligible Transactions on your Mox Card with Mox Credit.

General Terms and Conditions (in particular, see Schedule 1 to the General Terms and Conditions) apply. See also the CashBack table for specific details of our current CashBack offers.

Mox Referral Programme
How can I invite my friends to join the Mox Referral Programme?
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There are two steps you need to complete during the Promotion Period to refer your friends to join the Mox Referral Programme:

  1. Tap on the gift box icon in the upper right corner on the homepage of your Mox app and go to the ‘Discover’ page, or open the side menu from the Home tab and tap on ‘Invite friends’.

  2. Press the ‘Invite now’ button to send your unique Invitation Code for the Mox Referral Programme to your friends.

Remind your friends to input your Invitation Code when they open a Mox Account.

How can I earn cash rewards?
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There are three steps you and your friend need to complete so that you both earn cash rewards:

  1. During the Promotion Period, you need to share your unique Invitation Code for the Mox Referral Programme from your Mox app with your friends, and ask them to input it when they open a Mox Account. Remember: your friends must open their Mox Account and apply for Mox Credit during the Promotion Period.

  2. Your friends have to spend, with their digital or physical Mox Card, from Mox Credit, at least HKD4,000 across one, or many, Eligible Card Transaction(s) during the period from their Mox Account opening date and the following 60 days.

  3. Following each Successful Referral, Mox will credit the cash rewards directly into the Mox Accounts of you and your friends.

Remember: purchases can be made in-store, online, with Apple Pay or Google Pay, but cash withdrawals, money transfers via the Mox app and invalid, cancelled, refunded or reversed transactions, 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) etc. do not count towards the spend requirement (all ineligible spending types are listed in Mox Referral Programme 10 Terms and Conditions).

Terms and Conditions apply. Please refer to the details about the Mox Referral Programme under the ‘Discover’ page (the gift box icon in the upper right corner of the homepage) in your Mox app.

How much can I earn for each Successful Referral?
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As a Referrer, you can get an unlimited HKD400 cash reward for each successful referral. To earn Cash Rewards, remember to ask your friends to open a Mox Account with your Invitation Code, apply for Mox Credit, and spend HKD4,000 or more with Mox Credit from the date they open their Mox Account and the following 60 days.

Successful Referral When your referee fulfils the Mox Credit Spend Requirement*, the cash reward you’ll get When your referee fulfils the Mox Credit Spend Requirement*, the cash reward he/she’ll get
1st and onwards HKD400 each HKD1,200 each

* Spend HKD4,000 across one or more Eligible Card Transaction(s) with Mox Credit from the date they open their Mox Account and the following 60 days.

Terms and Conditions apply. Please refer to the details about the Mox Referral Programme under the ‘Discover’ page (the gift box icon in the upper right corner of the homepage) in your Mox app.

What if my friends have successfully opened a Mox Account and applied for Mox Credit during the Promotion Period but have not met the spend requirement?
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If your friends have not met the spend requirement during the period from their Mox Account opening date and the following 60 days, neither you nor your friends will be entitled to the cash rewards. Do remember to remind your friends to meet the spend requirement so both of you can earn the cash rewards.

My friend has completed the spend requirement. Why haven’t I received the cash rewards?
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The cash rewards will only be credited to the Mox Accounts of you and your friend once your friend’s transactions of at least HKD4,000 on their Mox Credit have been settled as per our internal systems. The settlement process will generally be completed within 60 days. Once it’s complete, we will credit the cash rewards to the Mox Accounts of you and your friends.

How can I find out the total amount of cash rewards I have earned from the Mox Referral Programmes so far?
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You can find out how much in cash rewards you’ve earned from the Mox Referral Programmes under the ‘Discover’ page (the gift box icon in the upper right corner of the homepage) in your Mox app.

I have already met the spend requirement, why did I still receive a notification telling me that I need to spend more in order to receive the cash rewards?
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This might be due to the time gap between the notification being sent and when our system calculates the spend requirement. Please check the Dashboard in the Mox app again later.

If you have any queries, please contact our Customer Care Team via the Mox app’s in-app call or online chat. We’re always here to help.

As an existing Mox customer, can I close my Mox Account and open a new Mox Account using an Invitation Code to earn the cash rewards from the Mox Referral Programme?
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No, an existing Mox customer can only participate as a Referrer in the Mox Referral Programme. Even if you close your Mox Account and open a new Mox Account with your own, or another, Invitation Code, you still won’t be eligible to earn the cash rewards because you were previously a Mox customer.

The same applies once a Referee becomes a Mox customer - they cannot be referred more than once but can participate as a Referrer in the Mox Referral Programme if they choose to.

Is a card refund considered as an eligible card transaction that will go towards meeting the spend requirement?
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No, we only count successful Mox Card purchase transaction(s) with a total transaction value of at least HKD4,000 for Mox Credit Spend Requirement which are made during the period from the Referee’s Mox Account opening date and the following 60 days. Cash withdrawals, money transfers via the Mox app and invalid, cancelled, refunded or reversed transactions, 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) etc. (all ineligible spending types are listed in Mox Referral Programme 15 Terms and Conditions) do not count towards the spend requirement.

Where do I enter my Referrer’s Invitation Code when I open my Mox Account?
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After downloading your Mox app (version 1.5.4 or later), you can input your Referrer’s Invitation Code on the first screen when you apply for your Mox Account.