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

MOXHKT25 Invitation Code Promotion period till 31 March 2026.

MOXHKT25 Invitation Code Promotion Terms and Conditions apply.

Quota is limited, first come, first served.

Mox Disclaimer applies.

¹Please 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.

²The 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.

³The Club Membership – Mox Card linkage terms and conditions apply.

⁴Please 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, or (b) completed an Eligible Payroll Transaction of HKD25,000 or more, 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 or have not made an Eligible Payroll Transaction 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’. “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 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.