Smart Spending

Why Spend with Mox?

Earn real CashBack as you spend!
  • Spend with Mox Credit¹, you can get:

5% or 3% CashBack at Selected Merchants²
1% Unlimited CashBack everywhere else³

  • Spend with Mox Card from Mox Account, you can get:

0.5% Unlimited CashBack everywhere on all your eligible spending from 1 June 2021⁴.

  • Real cash, calculated instantly, credited daily

Real cash credited to your Mox Account every day – earning you daily interest and growing your money as you spend.

Switch to Mox Credit¹ now to enjoy more CashBack!

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 your purchases⁵
  • 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
  • As a promotional offer, it will cost you just HKD5 to split an eligible Mox Credit transaction of up to HKD4,000 over 3 months⁶
  • Transparent annualised percentage rate (APR)⁷ – updated in real time based on your chosen payoff timeframe
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.

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

²From 1 May 2022 to 30 June 2022, earn up to HKD100 of 5% CashBack when spending on eligible transactions with Mox Credit at selected 5% CashBack Merchants; and earn up to HKD50 of 3% CashBack when spending on eligible transactions with Mox Credit at selected 3% CashBack Merchants.(Please note, the CashBack offer period of HKTVmall and Pricerite will end on 31 May 2022). General Terms and Conditions (in particular, see clause 7 of Schedule 1 to the General 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.

³From 4 May 2021, earn 1% Unlimited CashBack when spending with Mox Credit on eligible transactions. 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.

⁴Eligible transactions only. 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.

⁵Mox 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.

⁶HKD5 reflects the total fees and interest for the Split Purchase, inclusive of the one-off fee (if applicable) and all monthly fees. For a Split Purchase on a Mox Credit transaction of up to HKD4,000 into 3 monthly instalments, the Annualised Percentage Rate (APR) is 0.75%. Interest is calculated on the basis of a 365-day year. The 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. This promotional offer can only be enjoyed once per customer and is subject to Mox’s final decision and the relevant customer’s Mox Credit account status at the time the application is received. The fees for Split Purchase will be reviewed from time to time. For more details, please refer to the Split Purchase Key Facts Statement and Schedule 3 to the General Terms and Conditions on our website 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).

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.