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Smart Spending

Why Spend with Mox?

With Mox Credit¹, earn best in town* Unlimited CashBack⁶ everywhere as you spend
With Mox Credit¹, earn best in town* Unlimited CashBack⁶ everywhere as you spend

With Mox Credit¹, earn best in town* Unlimited CashBack⁶ everywhere as you spend

  • Earn 2% Unlimited CashBack²𝄒⁵ anywhere

  • Earn 3% Unlimited CashBack³ at supermarkets in Hong Kong

  • Selected CashBack Merchants for you to earn 3% CashBack⁴ (with spending cap)

  • CashBack is in real cash, not reward points or coupons

  • No cap, no categories limit

  • Calculated instantly, credited to your account daily

Learn more

HKT Autopay Switch⁷: Autopay HKT bills and earn CashBack
HKT Autopay Switch⁷: Autopay HKT bills and earn CashBack

HKT Autopay Switch⁷: Autopay HKT bills and earn CashBack

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 set!
  • See all your HKT bill payments in one place
  • HKT bill payments that can earn 3% CashBack⁴

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.

Mox Card - The only card you need
Mox Card - The only card you need

Mox Card - The only card you need

  • Enjoy the best of both worlds

Flip between spending from your Mox Account (debit) or with Mox Credit (credit), anytime.

  • Global ATM services

Enjoy more than 2,000 JETCO ATMs in Hong Kong for free, and access over 2.6 million ATMs worldwide that accept Mastercard.

  • Asia’s first numberless all-in-one bank card

With no card number, expiry date or CVV visible on the card, the Mox Card reduces your risk of losing personal information. Update your daily limit and ATM PIN with the tap of a finger in the Mox app!

Split Purchase / Split Your Statement, it’s all up to you⁸
Split Purchase / Split Your Statement, it’s all up to you⁸

Split Purchase / Split Your Statement, it’s all up to you⁸

  • Choose a payoff timeframe between 3 to 60 months
  • Transparent annualised percentage rate (APR)¹⁰ – updated in real time based on your chosen payoff timeframe
  • Choose a single or multiple eligible Mox Credit transaction of HKD400 or above to apply for a Split Purchase
  • Split your statement balance⁹ of HKD2,000 or above once it’s released the statement, or any time until 3 days before the payment due date
Split in-store with 0% interest¹¹
Split in-store with 0% interest¹¹

Split in-store with 0% interest¹¹

  • Enjoy 0 interest and 0 fee for Split Purchase with Mox Credit at designated merchants
  • Choose a repayment period between 3-60 months
  • Enjoy unlimited splits, as many purchases as you want
  • You can still earn 2% Unlimited CashBack²⁻⁶ on your spending
Manage your spending more easily

Manage your spending more easily

  • Insights to help you with budgeting and avoid overspend

Monitor real-time account activity and balance with instant categorisation.

Start Smart Spending and grow your money even as you spend with cashback and daily interest!

To borrow or not to borrow? Borrow only if you can repay!

Please note that the Mox app screens and features stated here are subject to our legal terms and conditions and to change. The Mox app available for download and use may be different to the version described here.

*Compared against 27 credit cards in Hong Kong regarding unlimited cash rebate as published on official website as of 8 March 2024.

¹Schedule 3 (Terms and Conditions for Mox Card with Credit) to the General Terms and Conditions and the Mox Credit Key Facts Statement apply.

²The Rewards for Cards Schedule applies (which can be found in the Mox app and/or on our website). From 4 November 2024, if you have an Eligible Balance of HKD250,000 or more at the time you make an eligible Mox Credit Card transaction, you may earn Unlimited CashBack calculated at 2% on the amount of the eligible Mox Credit Card transaction. From 4 November 2024, if you have an Eligible Balance of below HKD250,000 at the time you make an eligible Mox Credit Card transaction, you may earn Unlimited CashBack calculated at 1% on the amount of the eligible Mox Credit Card transaction. “Eligible Balance” means the ‘available cash balance’, any ‘cash on hold’ and any ‘cash on hold for fund(s)’ in your savings accounts with Mox. For the avoidance of doubt, any ‘cash on hold from unsettled cash’ in your Mox Invest Account or balances in your Time Deposit Account(s) will not constitute ‘Eligible Balance’.

³From 26 September 2023, earn unlimited CashBack calculated at 3% on the amount of the eligible transaction made with Mox Credit made at ‘supermarkets and grocery stores’, as classified by MasterCard Asia/Pacific (Hong Kong) Limited. 

⁴From 1 August until 31 August 2025, earn Cash Reward calculated at 3% on the amount of the eligible transaction made with Mox Credit at Selected Merchants of up to HKD100. Selected Merchants 3% Cash Reward Promotion Terms and Conditions applies.

⁵From 4 May 2021, earn unlimited CashBack calculated at 1% of the amount of the eligible transaction made with Mox Credit.

⁶General Terms and Conditions (in particular, see clause 9 of Schedule 1 apply and visit Mox CashBack Table for more details.

⁷HKT 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.

⁸General 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. The fees for Split Purchase will be reviewed from time to time. Each monthly instalment for a Split Purchase is 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).

⁹Only certain types of Mox Credit transactions and amounts of Mox Credit statement balances are eligible for Split Purchase, as determined by us in our absolute discretion. The examples of transactions and amounts of Mox Credit statement balances that are ineligible for Split Purchase are listed in General Terms and Conditions (in particular, see Part A: Split Purchase of Schedule 3) – clause 8(d).

¹⁰The 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.

¹¹Our General Terms and Conditions (in particular, see Schedule 3 Part D ‘0% Merchant Split Purchase’).