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
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.

1%
Unlimited CashBack²
Everywhere else
3%
CashBack²
View merchant list
5%
CashBack Unlock²

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 3% 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 3% 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 greater flexibility

Transfer with Mox Credit
Transfer now, pay later

Mox is the first virtual bank in Hong Kong that allows you to transfer money with FPS via credit. Whatever you might be using FPS for, whether it’s transferring money to friends, paying rent, or purchasing goods, you can now enjoy greater flexibility. Transfer immediately and pay later with up to 56 days interest free with no late payment fees. View and manage all your spending in a glance with the Mox Credit categorisation feature.

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 60 months
  • 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 rates¹¹



The screen image is for reference only. Actual screen in the Mox app may differ.

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.

Join us earlier and earn more! 
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%)
2.667%
Calculate
If you pay
0.00HKD
Monthly
Time to pay off
36 months
Total amount to be paid
0.00HKD
Total interest to be paid
0.00HKD
Savings by repaying fixed amount
0.00HKD
If you pay
Minimum Amount Due
Monthly
Time to pay off
0 months
Total amount to be paid
0.00HKD
Total interest to be paid
0.00HKD
Savings by repaying fixed amount
NA
To borrow or not to borrow? Borrow only if you can repay!

¹Our General Terms and Conditions (in particular, see Schedule 3) and the Mox Credit Key Facts Statement apply.

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 to 30 November 2022, earn up to HKD50 of 3% CashBack on eligible transactions made with Mox Credit at CashBack Merchants. From 1 to 30 November 2022, if ‘5% CashBack Unlock’ is activated, earn up to HKD100 of 5% CashBack (the cap will be shared with 3% CashBack) on eligible transactions made with Mox Credit at CashBack Merchants. Our General Terms and Conditions (in particular, see clause 7 of Schedule 1) apply. See also the Mox CashBack Table in the ‘Legal documents’ section of our website for specific details of our current CashBack offers. 5% CashBack Unlock Promotion terms and conditions apply. You may also refer to the promotion FAQ.

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.

⁶General Terms and Conditions (in particular, see Part A: Split Purchase of Schedule 3) and the Split Purchase Key Facts Statement apply. Refer to legal terms and conditions for more details.

⁷The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Associations of Banks. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate.

⁸ 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.

⁹The 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. 

¹¹The APR is calculated using methods specified in relevant guidelines as set out in the Code of Banking Practice. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. The APR for an Instant Loan is subject to Mox’s final decision on a case-by-case basis and the Mox Credit account status at the time Mox receives the Instant Loan application.