Mox Credit¹

The world is changing and you need a bank card designed to keep up. That’s why we’ve designed Mox Credit for you. It’s better than a credit card.


Get it now

Your Mox Credit application is simple

  • It only takes minutes to apply and you get an instant application decision¹
  • Get your HKID Card ready
  • Simple document submission process (if required)
  • Flip between Mox Credit and Mox Account (debit) spending, anytime
  • Earn more CashBack as you spend

HKD200 welcome offer for joining Mox

From now till 31 January 2022, open a Mox Account with the invitation code ‘EARN200’ and spend HKD200 or more on your Mox Card (from your Mox Account or with Mox Credit). Spend within 30 days of your Mox Account opening date to get the HKD200 cash reward¹¹ in your Mox Account. What’s more, this cash reward is guaranteed once you meet the spending requirement, so sign up now!

Click here to see all the benefits of Mox.

Apply now
Apply now

Pocket real cash

Mox Credit puts CashBack² in your account every day

Earn real cash every time you spend. It’s calculated instantly and credited to your account daily.

View merchant list
Unlimited CashBack²
Everywhere else

CashBack on your HKT bills

It's easy


Autopay your HKT bills with Mox Credit in just a few taps

With HKT Autopay Switch, you can switch your HKT bills to Mox Credit in the Mox app in just a few taps and enjoy 5% CashBack². It’s no fuss. Once you’ve received HKT’s confirmation, you’re all set³!

  • See all your HKT bill payments in one place
  • Get 5% CashBack² on your HKT bill payments
    HKT services include: 1O1O, csl, NETVIGATOR, Now TV, HKT Home Phone, IDD 0060 and HKT eye

Exclusive for Mox Credit customers who have been paying their HKT bills automatically with other credit cards.


What fees?

Mox Credit does fees differently

  • No annual fee
  • No late payment fee⁴

Master your money

Mox Credit makes managing your credit easy

  • No minimum spend
  • Up to 56 days interest-free⁵
  • The Mox app reminds you before your Mox Credit statement payment due date

Enjoy the best of both worlds

Flip between credit and debit spending, anytime

  • More control and flexibility – Flip between debit and credit to suit your spending needs
  • Flip instantly, with just one tap
  • Switch to Mox Credit for more CashBack²
  • No limit to how many times you Flip

Split your purchases⁶

Pay in monthly instalments

  • Split any eligible Mox Credit transaction of HKD400 or more and instantly get the application decision
  • Control which eligible Mox Credit transactions you want to split. You can have up to 5 Split purchases active at the same time
  • Choose a payoff timeframe between 3 to 36 months
  • As a promotional offer, it will cost you just HKD10 to split an eligible Mox Credit transaction of up to HKD2,000 over 3 months⁷
  • Transparent annualised percentage rate (APR)⁸ – updated in real time based on your chosen payoff timeframe

Get Instant Loan⁹ anytime

Instant approval with no additional documents needed

  • Get real cash from Mox Credit from your own credit, 24/7 within your Mox app
  • Loan amount from HKD5,000 to a maximum amount depending on your credit limit¹⁰; you can also apply for credit limit increase for extra cash
  • No additional documents required, get an instant decision for loan amount requested within your available credit limit
  • Choose a payoff timeframe between 3 to 60 months with competitive rates

One Mox Card does it all

  • Spending on Mox Credit and from Mox Account (debit) on the same card
  • ATM card
  • Physical card
  • Digital card
  • Apple Pay and Google Pay
  • Extra security and privacy protection enabled by the numberless physical card design

Get Mox Credit that does more for you

To existing Mox customers

Switch your current Mox Card to Mox Credit.
Same Card. New Mox Credit function. Log in to the Mox app to apply now.

New customers

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.

Not a Mox customer yet?
Download nowDownload now

Plan Your Mox Credit Repayments

A smarter way to calculate and time your repayments
I owe (HKD)
Monthly interest rate (APR for purchase: 34.69%)
If you pay
Time to pay off
36 months
Total amount to be paid
Total interest to be paid
Savings by repaying fixed amount
If you pay
Minimum Amount Due
Time to pay off
0 months
Total amount to be paid
Total interest to be paid
Savings by repaying fixed amount
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. 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.

⁶Mox Credit terms and conditions (Part A: Split purchase) and the Split Purchase Key Facts Statement apply. Refer to legal terms and conditions for more details.

⁷HKD10 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 HKD2,000 into 3 monthly instalments, the Annualised Percentage Rate (APR) is 3.05% - 16.31%. This promotional offer can only be applied to one active Split Purchase at any point in time and is subject to the Bank’s final decision and your Mox Credit account status at the time the application is received. The fees on Split Purchase will be reviewed from time to time – please refer to the Split Purchase Key Facts Statement for details.

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. 

¹¹EARN200 Invitation Code Promotion terms and conditions apply.