10 min read

Mox Credit. Better than a credit card.

Mox Credit. Better than a credit card.

4 May 2021, Hong Kong – Mox Bank Limited (“Mox”) officially launches Mox Credit to everyone in Hong Kong today.

Deniz Güven, CEO of Mox, said: “We are excited to announce that Mox has reached over 100,000 customers. Many existing customers have already experienced our brand-new Mox Credit service on our all-in-one Mox Card. We are delighted to work with Johnnie To, Joyce Cheng and Anson Lo on our Mox Credit launch and to welcome them to Generation Mox.”

The world is changing, and you need a bank card designed to keep up. That’s why we have designed Mox Credit better.

  1. Instant application decision¹ and instant use – Most credit card approval processes take days, sometimes weeks – and can only be used when the physical card arrives. With Mox Credit, the application decision is instant and once approved for Mox Credit, you can immediately add your digital Mox Card to your digital wallet and spend right away.
  2. Seamless application – Applying for credit cards can be tiring with lots of documents to submit. With Mox Credit, we’ve redesigned the process to give customers a seamless experience, simplifying the requirements for income and address documentation. 
  3. One Card – Applying for most credit cards means another card in the wallet. With Mox, one card is all you need for Mox Credit spending and ATM withdrawals from your Mox Account. Existing customers can apply for Mox Credit with a few steps and when approved, their existing Mox Card will be converted into Mox Credit instantly. New customers can get Mox Account and Mox Credit in one application in a few minutes¹.
  4. Earn up to 10% real CashBack* – Just like existing Mox Card transactions, with Mox Credit you will be paid CashBack on all eligible spending. CashBack is calculated instantly and credited daily to your Mox Account to help you further earn daily interest.
  5. What fees? – Mox Credit does fees differently. No annual fee. No late payment fee².
  6. Master your money – Mox Credit makes managing credit easy with no minimum spend, up to 56 days interest-free³ and reminders before your Mox Credit payment due date.
Mox Card transaction type CashBack Rate CashBack Merchants⁷ CashBack offer period Cap
Mox Credit 10% foodpanda 4 May to 31 July 2021 (inclusive) HKD250 during the CashBack offer period
5% CashBack Merchants selected by Mox 4 May to 31 July 2021 (inclusive)⁸ HKD250 during each CashBack offer period
1 August – 31 October 2021 (inclusive)⁸
1 November 2021 – 31 January 2022 (inclusive)⁸
HKD250 during each CashBack offer period
1% Everywhere else⁶ From 4 May 2021 Unlimited
Mox Card
Spending from
Mox Account
1% Anywhere⁶ Until 31 May 2021 Unlimited
0.5% Anywhere⁶ From 1 June 2021 Unlimited

Exclusive CashBack privileges for Mox Credit*

Spending with Mox Credit gives you the following exclusive CashBack privileges (see the table below for the specific details):

  • 10% CashBack at foodpanda⁴.
  • 5% CashBack at over 30 selected CashBack Merchants including csl, 1O1O, NETVIGATOR, Now TV, Trip.com, Amazon.com, App Store, Decathlon, Circle K, city’super⁵, Google Play, HKTaxi, McDonald’s and more⁴.
  • 1% Unlimited CashBack everywhere else⁴.

Special feature for Mox Credit: HKT Autopay Switch*

Get 5% CashBack on your HKT bill payments⁴. With HKT Autopay Switch, you can Switch your HKT bills – including 1O1O, csl, NETVIGATOR, Now TV, HKT Home Phone, IDD 0060 and HKT eye – to Mox Credit in just a few taps and enjoy CashBack. See all your HKT bill payments in one place. No paper forms, no in-store visits, no fuss⁹.

Marketing campaign launch

We have also unveiled our very first advertising campaign under the theme of “The world is changing” with highly acclaimed film director Johnnie To as well as well-known Hong Kong personalities Joyce Cheng and Anson Lo. The campaign features a mini-series consisting of five episodes, highlighting your need for a bank and a bank card designed to keep up. That’s why we have designed Mox Credit better. The advertising campaign will be launched with a strategic marketing plan across television, digital platforms and outdoor.

Download now

Download Mox now on the App Store and Google Play to experience a whole new way of banking.

*Terms and Conditions apply. For details, please visit mox.com.
¹According to individual circumstances, Mox may request customers to provide additional supporting documents for Mox Credit application approval. The approval time required is subject to actual situation.
²Mox encourages customers to pay their dues on or before their payment due date. Finance charges (interest) will apply if customers do not pay their Mox Credit statement balance in full on or before their payment due date.
³The 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 a customer’s Mox Credit statement balance in full on or before the payment due date.
⁴From 4 May to 31 July 2021 (inclusive), and subject to a HKD250 Cap. Terms and conditions apply.
⁵CashBack offer ends on 30 June 2021 and only applies to physical retail stores of city’super.
⁶Eligible transactions only. Terms and conditions apply.
⁷We may add or remove merchants from the list of CashBack Merchants from time to time.
⁸Unless otherwise specified for a selected CashBack Merchant.
⁹Exclusive for Mox Credit customers who have been paying their HKT bills automatically with other credit cards.

04 May 2021
10 min read