Join Mox with “MOXEARN” and earn HKD1,500 in Cash Rewards

With unlimited rewards comes unlimited joy. At Mox, we love making your life easy. From the Cash Rewards you’ll earn after joining, the CashBack when spending, to our daily interests. All Mox rewards are credited in real cash, no math or conversion required. It’s that easy.

Limited offer: Open Mox Account and earn HKD500

Limited offer: Open Mox Account and earn HKD500

Open a Mox Account with the code “MOXEARN”, from now until 31 December 2023, apply for Mox Credit and you’ll get HKD500 Cash Rewards right away, which will be credited to your Mox Account by 29 February 2024.

Open an Account within minutes² and start cashing right away. What are you waiting for?

Spend HKD500 and earn HKD1,000!

From now until 10 January 2024, open a Mox Account with the code “MOXEARN”, spend HKD100 in up to 5 eligible transactions during your first 30 days upon Mox Credit approval to earn HKD1,000 in Cash Rewards. That’s triple the Cash Rewards, simply by spending with Mox Credit¹.

Earn 2% Unlimited CashBack³ anytime, anywhere

From dining, shopping, travel to transportation, you can earn Unlimited CashBack on any spending! When you bank with Mox and maintain a total eligible balance of HKD75,000 or more, you not only enjoy a higher savings rate but also earn 2% Unlimited CashBack. No cap, no category limits! Even if your total eligible balance falls below the above threshold, you can still earn 1% Unlimited CashBack⁴.

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Unlimited
CashBack

Everywhere!

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Unlimited
CashBack

Everywhere!

Earn 2% Unlimited CashBack³ anytime, anywhere

Earn 3% Unlimited CashBack⁵ at all supermarkets

Cash rewards don’t stop here – earn 3% Unlimited CashBack at major supermarkets in Hong Kong like HKTVmall, Park n Shop, Wellcome, city’super and more. Earn real cash on everyday essentials with no cap!

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Unlimited
CashBack

3_%

Unlimited
CashBack

Earn 3% Unlimited CashBack⁵ at all supermarkets

View full merchant table

3% CashBack⁶ at selected CashBack Merchants

From daily necessities to travel expenses, spend with Mox Credit to earn 3% CashBack at selected Cashback Merchants, including newly joined merchants such as 7-11, Mannings, Watsons and Circle K and more!

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CashBack

3_%

CashBack

3% CashBack⁶ at selected CashBack Merchants

View full merchant table

The Best Rate In Town⁷: Earn Up to 10.9% p.a.!

The Best Rate In Town⁷: Earn Up to 10.9% p.a.!

With Mox, you get more. Enjoy all the flexibility you deserve and the very best interest rates every single day.

Become a Mox customer, bring in the required New Funds and keep them in your Mox Savings Account until the specified date to earn 4.7% p.a.⁸ That’s not all, as a new Mox customer you’ll enjoy a Welcome Bonus. Together with our base rate and after completing all the Mox Bonus challenges⁹, you can earn a total of 10.9% p.a. savings rate!

Unlimited spending, unlimited possibilities

Unlimited spending, unlimited possibilities

Applying is easy and only takes a couple of minutes…

Download our Mox app and apply for Mox Credit anytime, anywhere.
All you need is your HKID, a local address and email. It’s that easy.
There’s no annual fee or minimum spending required.
Succesfully applied? Add Mox Credit to your digital Wallet and start spending. The more you spend, the more you earn.

We’re Mox, a virtual bank backed by Standard Chartered, in partnership with HKT, PCCW and Trip.com. Our mission is to help everyone in Hong Kong grow – their money, their world, their possibilities.

Join us now to enjoy Smart Banking, Smart Saving and Smart Spending.

Apply now Apply now

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

MOXEARN Invitation Code Promotion and MOXEARN Invitation Code Promotion – Top-up Reward Terms and Conditions apply.

Mox New Funds Promotion (December 2023), Welcome Bonus Promotion (November - December 2023) and Mox Bonus Promotion (November - December 2023) terms and conditions apply.

Clause 8 of Schedule 1 (Terms and Conditions for Accounts and Card Management) to the General Terms and Conditions (which can be found in the Mox app and/or on our website) applies. See also the Mox CashBack Table in the ‘Legal documents’ section of our website for specific details of our current CashBack offers.

¹Our General Terms and Conditions (in particular, see Schedule 3) and the Mox Credit Key Facts Statement apply.

²In 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.

³From 26 September 2023, earn unlimited CashBack calculated at 2% on the amount of the eligible transaction made with Mox Credit, if you have an eligible balance of at least HKD75,000 in your savings accounts with Mox (excluding any balances held in your Time Deposit Account(s)) at the time you make the relevant transaction.

⁴From 4 May 2021, earn unlimited CashBack calculated at 1% of the amount of the eligible transaction made with Mox Credit.

⁵From 26 September 2023, earn unlimited CashBack calculated at 3% on the amount of the eligible transaction made with Mox Credit made at ‘supermarkets and grocery stores’, as classified by MasterCard Asia/Pacific (Hong Kong) Limited).

⁶From 26 September to 31 December 2023, earn up to HKD600 CashBack calculated at 3% on the eligible transaction made with Mox Credit at selected CashBack Merchants.

⁷Compared against 27 banks in Hong Kong on (i) HKD savings rate with HKD75,000 deposits as published on official websites as of 27 Oct 2023, and (ii) based on the additional rates from the completion of the relevant challenges to earn the maximum bonus interest during the relevant challenge periods.

⁸This is the annualised rate of the cash reward offered if you maintain the required New Funds during the Hold Fund Period from 30 November 2023 to 15 April 2024.

⁹If any of the Challenges above are completed on the last day of the calendar month, you will not be credited any bonus interest rate the next calendar day.