0% Merchant Split Purchase – 0% interest, 100% flexibility

Spending is always enjoyable, especially when you can choose to pay now or later without any interests or fees, giving you an easier and more flexible way of spending🤩!

All it costs is all you split. Simple and direct.

All it costs is all you split. Simple and direct.

Introducing 0% Merchant Split Purchase – spend at designated merchants and you can enjoy:

0% interest, 0 fees  
Flexible repayment period between 3-60 months  
Unlimited splits, as many purchases as you want   
Up to 2% Unlimited CashBack¹ʼ²ʼ³ on your spending

Please ask for our 0% Merchant Split Purchase at the 1O1O Centres and csl stores to enjoy a new way of spending.

1O1O Centres and csl stores are just the start. More Merchants will be coming soon so stay tuned for updates.

Not a Mox customer yet?

Open a Mox Account in a few minutes and add your digital Mox Card to Apple Pay/ Google Pay via “Add to wallet”. In this way, you can spend right away while your physical Mox Card is still on its way to you.

Download now

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

¹All transactions made with 0% Merchant Split Purchase, whether made at CashBack Merchants or non-CashBack Merchants, are only eligible for CashBack at the CashBack Rate of 1% or 2% (as the case may be).

²Please refer to the Rewards for Cards Schedule for further details. From 2 April 2026, when you make an eligible Mox Credit Card transaction, if you (a) have completed an Eligible Payroll Transaction of HKD25,000 or more; and/or (b) you have Mox+ status ("Unlocking Criteria"), then you may earn unlimited 2% CashBack or HKD4 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction based on your selected Spending Reward. If you have not satisfied the 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.

³General Terms and Conditions (in particular, see clause 9 of Schedule 1 to the General Terms and Conditions) apply. See also the Mox CashBack Table in the ‘Legal documents’ section of our website for specific details of our current CashBack offers.

⁴Our General Terms and Conditions (in particular, see Schedule 3 Part D: 0% Merchant Split Purchase) and the Mox Credit Key Facts Statement apply.