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

¹CLUBLINK Invitation Code Promotion Terms and Conditions apply. Quota is limited, first come, first served.

²The Club Membership – Mox Card linkage terms and conditions apply.

³Mox Disclaimer applies.

⁴Please 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.

⁵Promotion Terms & Conditions apply.

⁶The value of Clubpoints is calculated based on Clubpoint conversion ratio when using “Spend Less with Clubpoint” function on the The Club Platform and redeeming HKT and The Club e-Cash Voucher. Based on the current valuation of 5 Clubpoints = HKD1, 2,000 Clubpoints is equivalent to HKD400. The conversion ratio is subject to changes from time to time without prior notice, in the sole discretion of The Club.

⁷“Best-in-town Phone of the Year Cash Rebate” is based on a comparison as of 9 September, 2025, of all extra cash rebate promotions related to credit card spending on “Phone of the Year” by Mox and other Hong Kong retail banks at local telecom providers and electronics online & physical merchants in HK, as published on these banks’ websites. On top of basic card rewards, Mox provides eligible customers the highest maximum amount of extra cash rebate in a single transaction, valued at HKD500.

⁸Mox x HKT 2025 Phone of the Year Promotion terms and conditions apply.

⁹Please refer to the Rewards for Cards Schedule for further details. From 4 November 2024, if you have an Eligible Balance for Card Rewards of HKD250,000 or more at the time you make an eligible Mox Credit Card transaction, you may earn unlimited 2% CashBack on the amount of the eligible Mox Credit Card transaction. If you have an Eligible Balance for Card Rewards of below HKD250,000 at the time you make an eligible Mox Credit Card transaction, you may earn unlimited 1% CashBack 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’.

¹⁰Mox recognises eligible transactions for rewards, with reference to the merchant IDs designated by MasterCard Asia/Pacific (Hong Kong) Limited or the merchant’s acquiring bank. Mox does not have any control over such designations and MasterCard Asia/Pacific (Hong Kong) Limited or the merchant’s acquiring bank may change such designations without notice. If you think a particular transaction has not been recognised properly, please contact Mox’s Customer Care Team for further assistance.

¹¹General Terms and Conditions (in particular, see Part A: Split Purchase of Schedule 3) and the Split Purchase Key Facts Statement apply. You can view the terms in the “Legal documents” section of our website here.The fees for Split Purchase will be reviewed from time to time. For more details, please refer to the Split Purchase Key Facts Statement and Schedule 3 to the General Terms and Conditions on our website for details.

¹²Flagship Phone Privilege Pass Terms and Conditions apply.

¹³In 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.