Summer Spending Spree with MOXSUMMER HKD1,200 cash reward awaits!

At Mox, we make 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, not reward points or coupons. It’s just that easy.

Spend HKD4,000 and earn HKD1,200!
Spend HKD4,000 and earn HKD1,200!

Spend HKD4,000 and earn HKD1,200!

From now until 30 June 2024, open a Mox Account with the code “MOXSUMMER”, accumulate HKD4,000 spending in eligible transactions during your first 60 days upon Mox Credit¹ approval to earn additional HKD1,200 in Cash Rewards.

Earn with no limit! Unlimited 2% CashBack² anywhere

From dining, shopping, travel to transportation, you can earn Unlimited 2% CashBack! Mox allows you to enjoy freedom with no cap, no categories, no limit! Keep HKD75,000 in Mox Account (excluding any balances held in your Time Deposit Account(s)) to enjoy high savings rate and unlock Unlimited 2% CashBack. No cap, no categories limit! You can still earn Unlimited 1% CashBack³ if you’re not keeping enough account balance with Mox.

Add money easily to your Mox Account

Earn with no limit! Unlimited 2% CashBack² anywhere

From dining, shopping, travel to transportation, you can earn Unlimited 2% CashBack! Mox allows you to enjoy freedom with no cap, no categories, no limit! Keep HKD75,000 in Mox Account (excluding any balances held in your Time Deposit Account(s)) to enjoy high savings rate and unlock Unlimited 2% CashBack. No cap, no categories limit! You can still earn Unlimited 1% CashBack³ if you’re not keeping enough account balance with Mox.

Add money easily to your Mox Account

Earn Unlimited 3% CashBack⁴ on daily spending

Earn real cash on everyday essentials with no cap!

View full merchant table
View full merchant table
Earn Unlimited 3% CashBack⁴ on daily spending

Earn real cash on everyday essentials with no cap!

View full merchant table
View full merchant table
3% CashBack⁵ at selected CashBack Merchants

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

View full merchant table
View full merchant table
3% CashBack⁵ at selected CashBack Merchants

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

View full merchant table
View full merchant table
Up to 5.5% p.a. interest⁶ with Mox today for all new customers!
Up to 5.5% p.a. interest⁶ with Mox today for all new customers!

Up to 5.5% p.a. interest⁶ with Mox today for all new customers!

Besides spending, you can earn even more with our flash savings promotion! From now till 30 June 2024, open a Mox Account and deposit HKD75,000 or more within the first 7 days, maintain it with us for 60 days and you will be rewarded a flash cash reward of HKD500, equivalent to a 4% p.a. savings rate!

Combining our base rate and Flash cash reward, your interest can amount up to 5.5% p.a.! Not only do you enjoy a higher savings rate but also earn 2% Unlimited CashBack^. No cap, no category limits!


Open a Mox Account and you get Savings rate
HKD savings base rate 1.5%
Flash cash reward of HKD500 4%
Total 5.5%

^From 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 HKD75,000 or more in your savings accounts with Mox at the time you make the relevant transaction. For the avoidance of doubt, any balances in your Time Deposit Account(s)) will not count towards your eligible balance.

Pay your bills and earn HKD100!
Pay your bills and earn HKD100!

Pay your bills and earn HKD100!

From now until 31 July 2024, new customers completing at least two eligible bill payment transactions with an aggregate amount of HKD500 or more using the ‘Pay bills’ function in the Mox app within the first 60 days of your account opening, can receive a HKD100 cash reward!

*Bill Payment New Users Promotion (June – July 2024) Terms and Conditions apply.

Applying is easy and only takes a few minutes¹⁰
Applying is easy and only takes a few minutes¹⁰

Applying is easy and only takes a few minutes¹⁰

  • Download our Mox app and apply for Mox Credit anytime, anywhere.
  • All you need is your HKID, a local address and an email address. It’s that easy.
  • There’s no annual fee or minimum spending required.
  • Successfully 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, Smart Spending and Smart Investing.

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

Investment and Currency Exchange Transaction(s) involves risks. Mox Invest Terms and Conditions apply.

MOXSUMMER Invitation Code Promotion Terms and Conditions apply.

Clause 9 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.

²From 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.

³From 4 May 2021, earn unlimited CashBack calculated at 1% of the amount of the eligible transaction made with Mox Credit.

⁴From 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).

⁵From 1 January to 31 December 2024, earn CashBack calculated at 3% on the amount of the eligible transaction made with Mox Credit at selected CashBack Merchants, up to HKD1,800.

Flash Deposits Welcome Offer Promotion Terms and Conditions apply. Quota is limited, first come, first served.

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.