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

Quota is limited, first come, first served.

If you have held a Mox Account in your name, at any time, in the 12 months prior to your Joining Day, you are not eligible to be rewarded.

¹“1000MOX” welcome offer promotion terms and conditions apply.

²Please refer to the Mox Credit Schedule (also referred to as ‘Schedule 3 to the General Terms and Conditions’) and the Mox Credit Key Facts Statements for further details.

³During the period beginning on and from the day you use the Invitation Code and the following 15 days, you need to complete the Mox Account opening process; during the period beginning on and from the day you use the Invitation Code and the following 30 days, you need to complete the Mox Credit application journey and receive a Mox Credit approval notification.

⁴Please refer to clause 2 of Rewards for Cards Schedule regarding Eligible Transactions for Mox Card Rewards.

⁵Spending Reward Switching Fee of HKD50 will be charged for each switch if your Eligible Balance falls below HKD250,000 at the time you change your Mox Credit Spending Reward Scheme in the Mox app.

⁶Please refer to the Rewards for Cards Schedule for further details. From 1 December 2025, when you make an eligible Mox Credit Card transaction, if you have (a) an Eligible Balance for Card Rewards of HKD250,000 or more; and/or (b) completed an Eligible Payroll Transaction of HKD25,000 or more (each an “Unlocking Criteria”) you may earn HKD4 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. From 1 December 2025 to 31 March 2026 (both dates inclusive), if you have not satisfied an Unlocking Criteria at the time you make an eligible Mox Credit Card transaction, you may earn HKD8 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. From 1 April 2026, if you have not satisfied an Unlocking Criteria at the time you make an eligible Mox Credit Card transaction, you may earn HKD10 = 1 Asia Mile on the amount of eligible Mox Credit Card transaction. “Eligible Balance for Card Rewards” means the ‘available cash balance’, any ‘cash on hold’ and any ‘cash on hold for fund(s)’ in your savings accounts with Mox. For the avoidance of doubt, any ‘cash on hold from unsettled cash’ in your Mox Invest Account or balances in your Time Deposit Account(s) will not constitute ‘Eligible Balance for Card Rewards’. “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 HKD4 = 1 Asia Miles 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.

⁷In some circumstances, we may require you to provide supporting documents by a simple submission process when you apply for Mox Credit. The approval time for Mox Credit is subject to a customer’s individual circumstances.