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“1500MOX” 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.

⁵From now till 1 April 2026, Spending Rewards Switching Fee is waived if you have an Eligible Balance for Card Rewards of HKD250,000 or above at the time you switch your Spending Rewards. A Spending Rewards Switching Fee of HKD50 may be charged starting from 2 April 2026 unless you have Mox+ status. Please refer to the Mox Credit Key Facts Statements for further details.

⁶Please 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.

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.