If there is any inconsistency between these terms and any of the other Mox terms, these terms will prevail.
An individual who already has a valid Mox Account opened in his/her name (the “Referrer”) will
be provided a unique invitation code (an “Invitation Code”) by Mox via the ‘Discover’ page in
his/her Mox app that can be used by a Referee (as defined below) during the period displayed in the table in
clause 21 of these terms (the “Promotion Period”)for completing a Successful Referral (as
A “Successful Referral” occurs when:
during the Promotion Period:
a Referrer provides their Invitation Code to an individual who has never held a Mox Account in their name
the Referee downloads the Mox app and applies for a Mox Account and Mox Credit using the Referrer’s
Invitation Code; and
the Referee completes his/her Mox Account application within 15 days from the use of the Referrer’s
Invitation Code to open a Mox Account; and
during the period from the date the Referee successfully opens his/her Mox Account (i.e. the date which
his/her digital Mox Card is ready to use) and the following 30 days, the Referee spends at least a total
of the HKD amount displayed in the table in clause 22 of these terms on his/her Mox Card (digital or
physical) with Mox Credit across one, or more Eligible Card Transaction(s) (as described below) (the
“Eligible Card Transaction(s)”are transactions for the purchase of goods and services
which are determined by Mox, in its absolute discretion, to be eligible to contribute towards the Spend Requirement, based on transaction records held by Mox. Some examples of transactions that are not
Eligible Card Transaction(s) (and will therefore not contribute towards the Spend Requirement) are those
that are not eligible for CashBack – see clause 7.5(b) of Schedule 1 to the General Terms and Conditions
(Terms and conditions for accounts and card management). For a transaction to be an Eligible Card
Transaction and contribute towards the Spend Requirement, it does not need to have ‘settled’ (i.e. appear as
‘completed’ in the Mox app) during the 30-day period following the date the Referee opens his/ her Mox
Account (i.e. they can still appear as ‘pending’ in the Mox app).
Subject to these terms (including clause 5 of these terms), following a Successful Referral:
the Referrer will be eligible to receive the reward displayed in the table in clause 23 of these terms from
Mox according to the table in clause 23 of these terms; and
each Referee will be eligible to receive the reward displayed in the table in clause 24 of these terms
from Mox according to the table in clause 24 of these terms,
(each a “Cash Reward”).
Each Cash Reward will be paid into each of the Referrer’s and the Referee’s Mox Account by Mox within 30 days
for the Referer, Mox has determined that a Successful Referral has taken place. In this respect,
whether a Successful Referral has taken place, and the number of, Successful Referrals a Referrer has
completed is ultimately determined by Mox in its absolute discretion based on referral records held by Mox
(which are final and conclusive in case of any dispute); and
for the Referree, the Eligible Card Transaction(s) made by the Referee which contribute towards the
Spend Requirement corresponding to the Successful Referral have ‘settled’ in the Referee’s Mox Credit (i.e.
appear as ‘completed’ in the Referee’s Mox app) per Mox’s transaction records (which are final and
conclusive in case of any discrepancy).
A Referee can only participate in the Programme as a Referee once.
Each of the Referrer and the Referee is eligible to receive the applicable Cash Reward only if:
the Referee has never held a Mox Account in their name at any time prior to the opening of their Mox
Account using the Invitation Code. The Referee is considered to have held a Mox Account even if the
Referee hasn’t completed any transactions on their prior Mox Account;
the Referee has never previously received any Cash Reward referred to in clause 24 of these terms or
been a Referee. A Referee who has been successfully referred by a Referrer cannot be referred by any other
Referrer. That Referee can however become a Referrer him/herself if he/she chooses to. In this respect,
Mox’s records are final and conclusive in case of any discrepancy;
each of the Referrer and the Referee holds a valid Mox Account in their respective names when Mox
attempts to pay the applicable Cash Reward, with neither Mox Account having been suspended or closed by the
Referrer or Referee (as applicable) or Mox or in arrears or default; and
each of the Referee and the Referrer meets any additional requirements applicable to him/her communicated by
Subject to these terms, including satisfaction of any requirements specified by Mox in connection with the
Programme, Mox will continue to pay the Cash Rewards to eligible Referrers and Referees after the Promotion
Period has ended.
Neither the participation in the Programme by a Referrer or a Referee nor eligibility for any Cash Reward
may be transferred, exchanged or converted into any other benefit or right.
Mox reserves the right, at any time without notice or reason and in its sole discretion, to:
change, modify, suspend or terminate the Programme or these terms (including any Cash Reward and its
refuse to offer or distribute the Cash Reward to any Referrer or Referee if Mox believes a Mox Account
has been opened for an improper purpose (for example attempting to secure payment of any Cash Reward by
closing and opening one or more Mox Accounts) or for any other reason Mox deem relevant;
make any decision in connection with the Programme (including to refuse or suspend a Referrer’s or
Referee’s participation in the Programme or determine whether any Cash Reward can or cannot be combined with
any other offer or promotion offered by Mox); and
determine that an Invitation Code has been used for an improper purpose and cancel the use of any such
Any such decision shall be conclusive and binding on a
Referrer or Referee (as applicable).
If any dispute arises in connection with the Programme, Mox’s decision is final.
To the extent permitted by laws and regulations:
Mox, its affiliates and shareholders shall not be responsible for any loss suffered by any Referrer or
each Referrer and Referee shall release Mox, its affiliates and shareholders from all actions,
proceedings and claims which may be brought by or against Mox or its affiliates or shareholders,
arising from or in connection with his/her participation in the Programme (including any failure to
receive the Cash Reward) or these terms, unless due to Mox’s, its affiliates’ or shareholders’ gross
negligence, fraud or wilful default and only to the extent of direct and reasonably foreseeable loss and
damage arising directly and solely from such gross negligence, fraud or wilful default.
This clause 14 continues after the termination of these terms
or the expiry of the Promotion Period.
A person who is not a party to these terms has no rights to enforce or enjoy the benefit of any of the
provisions under the Contracts (Rights of Third Parties) Ordinance (Cap. 623). This does not apply to the
Referee or as otherwise set out in these terms.
The Programme does not constitute an offer, invitation or recommendation to any person to enter into any
Nothing under these terms or the Programme will deem, imply or suggest that a Referrer (or any other person or
entity) is acting as an agent or representative of Mox or otherwise soliciting business on behalf of Mox.
These terms are governed in all respects by and construed in accordance with the laws of the Hong Kong
Special Administrative Region. The parties submit to the exclusive jurisdiction of the courts of the Hong Kong
Special Administrative Region.
The English version prevails if there is any discrepancy or inconsistency between the English and Chinese
versions of these terms.
To borrow or not to borrow? Borrow only if you can repay!
26 May 2022 until 31 July 2022 (both dates inclusive) (please note that we extended the original Promotion Period such that it will end on 31 July 2022 instead of 30 June 2022)
Referrer’s Cash Reward
Successful Referral (i.e. meets the requirements in clause 5 of these terms)
1st Successful Referral
2nd Successful Referral
3rd Successful Referral
4th Successful Referral
5th Successful Referral
6th Successful Referral and onwards
Referee’s Cash Reward
Successful Referral (i.e. meets the requirements in clause 5 of these terms)
Each Referee who completes a Successful Referral by meeting the Spend Requirement