Exclusive for Mox Credit customers who have been paying their HKT bills automatically with other credit cards.
Flip between credit and debit spending, anytime
Pay in monthly instalments
Instant approval with no additional documents needed
Switch your current Mox Card to Mox Credit.
Same Card. New Mox Credit function. Log in to the Mox app to apply now.
Download the Mox app and apply.
Once approved, you can spend right away with Apple Pay, Google Pay and your digital Mox Card.
Your physical Mox Card will be on its way to you.
¹Mox Credit terms and conditions and the Mox Credit Key Facts Statement apply. Mox customers who are HKID card holders aged between 18 and 70 years old are eligible to apply for Mox Credit.
Friendly reminder: You can only apply for Mox Credit once your Mox Account has been successfully opened. In 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.
²From 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.
³HKT will notify Mox Credit users when their bill payment switch to Mox Credit is complete, which takes around 10 days. For process-related enquiries, please contact HKT’s hotline at +852 1000.
⁴We encourage you to pay your dues on or before your payment due date. Finance charges (interest) will apply if you do not pay your Mox Credit statement balance in full on or before your payment due date.
⁵The actual interest-free period will vary based on the date of charge and the billing cycle cut-off date. The interest-free period does not apply if we do not receive your Mox Credit statement balance in full on or before the payment due date.
⁷HKD1 reflects the total fees and interest for the Split purchase, inclusive of the one-off fee and all monthly fees. For a Split purchase on a Mox Credit transaction of up to HKD8,000 into 3 monthly instalments, the Annualised Percentage Rate (APR)⁸ is 0.07% - 1.16%. The fees on Split purchase will be reviewed from time to time and you can refer to the Split Purchase Key Facts Statement for details.
The one-off fee and each monthly instalment for a Split purchase are charged to Mox Credit and will show on your Mox Credit statement. Please pay your Mox Credit statement balance in full on or before its due date to avoid finance charges (interest).
⁸The APR is calculated based on the guidelines as set out in the Code of Banking Practice. An APR is a reference rate which includes all applicable basic interest rates, fees and charges of a product expressed as an annualised rate.
⁹ Mox Credit terms and conditions (Part B: Instant Loan) and the Instant Loan Key Facts Statement apply. Refer to legal terms and conditions for more details.
¹⁰The maximum amount of an Instant Loan depends on the status of your Mox Credit. For example, your maximum Instant Loan amount will vary depending on factors such as your available credit limit on Mox Credit (we will always leave you a buffer of HKD3,000 on your Mox Credit “available to spend” after deducting the total repayment of your Instant Loan from your credit limit for Mox Credit to allow you to continue spending on Mox Credit) and the total of all monthly instalments for the Instant Loan.