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Open a Mox Account with a Referral Code

Your friend's Referral Code
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How does it work?
1
Download Mox App
2
Open a Mox Account using your friend’s Referral Code and complete the account opening process within the following 15 days from the day you use the Referral Code
3
Successfully applied for a Mox Credit Card within 30 days from your Joining Day
4
Complete HKD1,000 eligible credit spending transaction within 30 days from your Approval Day. You and your referrer will both earn HKD300 in cash rewards!
Why Mox?
Earn up to 3.5% p.a. on savings^ and turbocharge your wealth
Get instant and unlimited credit card spending rewards – up to 2% Unlimited CashBack or HKD4 = 1 Asia Mile*
Travel fee-free with 0 FX fees on international transactions**
To borrow or not to borrow? Borrow only if you can repay!

Mox do not sponsor or endorse third-party individuals offering cash rebates or other incentives not mentioned in our program terms. Such offers are not affiliated with our bank, and we are not responsible for their content or legitimacy. Please review our referral program terms and conditions carefully before participating.

Mox Referral Programme 23 Terms and Conditions apply.

Any e-payments and e-wallet top-ups from Alipay or WeChat Pay, will not count towards meeting of the Spending Requirement.

"Eligible Transaction” means a transaction for the purchase of goods or services, as we determine, from time to time, to be eligible to contribute to the satisfaction of the requirement in clause 7(d) of the ‘Mox Referral Programme 23 Terms and Conditions’. For a transaction to be an ‘Eligible Transaction’: (i) the transaction must have been processed through the Mastercard network; and (ii) the transaction must have been settled by the merchant (i.e. appear as ‘completed’ in the Mox app) by the end of the period specified in clause 7(d) of the ‘Mox Referral Programme 23 Terms and Conditions’. Regarding “Eligible Transaction”, please refer to clause 2 of Rewards for Cards Schedule.

^Please refer to the Mission Bonus Rate Promotion (2026) Terms and Conditions for further details.

*Please refer to the Rewards for Cards Schedule for further details.From 1 April 2026, when you make an eligible Mox Credit Card transaction, if you have completed an Eligible Payroll Transaction of HKD25,000 or more, you may earn unlimited 2% CashBack or HKD4 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. If you have not satisfied an Unlocking Criteria at the time you make an eligible Mox Credit Card transaction, you may earn unlimited 1% CashBack or HKD10 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. “Eligible Payroll Transaction” means a transaction where your employer pays your salary into your Mox Account via FPS, and the transaction is displayed as ‘Salary’ in the Mox app. For the avoidance of doubt, standing instructions or other local electronic transfers are not considered ‘Eligible Payroll Transactions’. You will be eligible to receive 2% CashBack or HKD4 = 1 Asia Mile during the period beginning on and from the day you complete the Eligible Payroll Transaction and ending on the last day of the next calendar month.

**FX Fees refer to the Foreign Exchange Handling Fee and the Cross-Border Access Fee. Asia Miles have to be chosen as your Spending Rewards Scheme. 0% Foreign Currencies and Overseas Merchant Spending Fees Promotion Terms and Conditions apply.

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