New referral fun - More choices More smiles 🎉
Referring works best when it feels worth it.
This time, it does – Your friends get more welcome offers to choose from, so they can pick what actually suits them best, not just what’s on offer.
And for you? You earn HKD300 for every successful referral, with no cap. Simple, flexible, rewarding – everyone wins 🎉🎉🎉
Refer friends and earn rewards together!
1. During the Mox Referral Programme 21 promotion period¹, invite your friends to open a Mox Account² by sharing your Referral Code with them.
2. Remind them to complete the account opening process within 15 days from the day they use your Referral Code. Once their account is opened, they can choose a welcome offer and earn great rewards. For the latest welcome offer details, please scroll down for more information.
3. Don’t forget to ask them to make the first eligible spending transaction using their Mox Card or Mox Credit Card within 60 days from the Joining Day.
You will receive your cash reward in your Mox Account within 60 days after your friend completes their first eligible spending transaction using their Mox Card or Mox Credit Card.
1. Open a Mox Account using your friend’s Referral Code.
2. Complete the account opening process within 15 days from the day you use your friend’s Referral Code.
3. Within 30 days from your Joining Day, choose and register for the welcome offer that suits you best in the Mox app (if you do not make a selection within this period, you will not be eligible for any welcome offer³).For the latest welcome offer details, please scroll down for more information.
4. Complete the designated requirements within the specified period of your selected welcome offer to earn your reward.
5. Make your first eligible spending transaction using your Mox Card or Mox Credit Card within 60 days from your Joining Day, and your referrer will receive their referral reward.
Welcome Offers for Referee 🎁
If you’re a cash reward lover, you can choose from:
MOXSMART : 20% cash rebate⁴ for 12 months!
Promotion period: From now until 24 April 2026
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Apply for the Mox Credit Card and get approved within 30 days from the day you select the welcome offer⁵. Once your Mox Credit Card is approved, you’ll automatically unlock 20% cash rebate for 12 months on all eligible spending with 5 top merchants – foodpanda, HKTVmall, Keeta, Taobao⁶ and Uber⁷, up to a maximum of HKD1,200.
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Deposit HKD50,000 or more in your HKD savings account within the first 7 days from the day you select the welcome offer (Fund-in period) and maintain the balance in the following 30 days from the fund in period to earn HKD500 cash rewards, which is approximately equivalent to a total savings rate of 12% p.a.!
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🔥60 days of our highest earning rates, exclusive for you🔥 You can enjoy a waiver of the HKD250,000 deposit requirement and earn our highest base spending reward of 2% Unlimited CashBack or as low as HKD4 = 1 mile on Mox Credit Card spending for 60 days* from your Enrolment Time or Mox Credit Card Approval Day (whichever is later).
If you’re a cash reward lover, you can choose from:
1500MOX : HKD1,500 cash reward and 60 days of our highest base spending reward⁸!
Promotion period: From now until 24 April 2026
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Apply for the Mox Credit Card and get approved within 30 days from the day you select the welcome offer (your Enrolment Time). Within 60 days from your Enrolment Time or Mox Credit Card Approval Day (whichever is later), accumulate HKD4,000 or more in eligible spending⁹ on your Mox Credit Card to earn a HKD1,000 cash reward.
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Deposit HKD50,000 or more in your HKD savings account within the first 7 days from the day you select the welcome offer (Fund-in period) and maintain the balance in the following 30 days from the fund in period to earn HKD500 cash rewards, which is approximately equivalent to a total savings rate of 12% p.a.!
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🔥60 days of our highest earning rates, exclusive for you🔥 You can enjoy a waiver of the HKD250,000 deposit requirement and earn our highest base spending reward of 2% Unlimited CashBack or as low as HKD4 = 1 mile on Mox Credit Card spending for 60 days* from your Enrolment Time or Mox Credit Card Approval Day (whichever is later).
💡Any e-payments and e-wallet top-ups from Alipay or WeChat Pay will not count towards meeting of the spending requirement.
If you are an Asia Miles lover, you can choose:
FLYWITHMOX: Up to 52,000 Asia Miles and 60 days of our highest base spending reward¹⁰!
Promotion period: From now until 31 March 2026
- Apply for the Mox Credit Card and get approved within 30 days from the day you select the welcome offer (your Enrolment Time).
- Within 60 days from your Enrolment Time or Mox Credit Card Approval Day (whichever is later), accumulate HKD10,000 or more in eligible spending⁷ on your Mox Credit Card to earn 15,000 Asia Miles.
- Spend an additional HKD40,000 or more in eligible transactions⁷ within the same 60-day period to receive an extra 24,500 Asia Miles.
- 🔥60 days of higher earning rates, exclusive for you🔥 You can enjoy a waiver of the HKD250,000 deposit requirement and earn our highest base spending reward of 2% Unlimited CashBack or as low as HKD4 = 1 mile on Mox Credit Card spending for 60 days* from your Enrolment Time or Mox Credit Card Approval Day (whichever is later).
💡Any e-payments and e-wallet top-ups from Alipay or WeChat Pay will not count towards meeting of the spending requirement.
If you love saving, you can choose:
SAVEINMOX : HKD1,000 cash reward¹⁰
Promotion period: From now until 25 February 2026
- Within 7 days from your Enrolment Time, fund in HKD100,000 or more into your Mox HKD Savings Account (Deposits held in your Time Deposit Account(s) will not count towards your HKD Savings Account balance).
- Keep the above funds from the end of your Fund-in Period until the end of the Hold Fund Period to earn a HKD1,000 cash reward, which is approximately equivalent to a 6% p.a. savings rate.
💡Example
| Period | Start Date | End Date | Duration |
|---|---|---|---|
| Enrolment Day | 25 February 2026 | / | / |
| Fund in Period | 25 February 2026 | 4 March 2026 | 7 days |
| Hold Fund Period | 4 March 2026 | 2 May 2026 | 60 days |
To get the cash reward, you may fund in on any day during the Fund-in Period (from 25 February 2026 to 4 March 2026), and you must hold the funds until the end of Hold Fund Period (2 May 2026).
*Any deposits held before selecting a welcome offer will not count towards the Hold Fund Period. Please select a welcome offer before deposit to qualify. Contact us anytime if you have any questions.
👥Refer your friends with ease
Why Mox?
Don’t miss out — Share your invitation code now. Your next reward is one invite away! 🎉
Frequently Asked Questions
Open your Mox app > tap on the upper left corner on the homepage to open the side menu > tap “Invite friends” > View under “Your progress” for your successful referrals
"Eligible Referral Transaction” means a transaction for the purchase of goods or services, as we determine, from time to time, to be eligible to contribute to the satisfaction of the requirement in clause 5(d) of the ‘Mox Referral Programme 21 Terms and Conditions’. For a transaction to be an ‘Eligible Referral Transaction’: (i) the transaction must have been processed through the Mastercard network; and (ii) the transaction must have been settled by the merchant (i.e. appear as ‘completed’ in the Mox app) by the end of the period specified in clause 5(d) of the ‘Mox Referral Programme 21 Terms and Conditions’.
Referee can meet the Spending Requirement during the period beginning on and from their Joining Day and the following 60 days.
Open your Mox app > tap “Mox Rewards” > tap Welcome rewards under “My Progress” and review
Eligible referral transactions must have been settled by the merchant (i.e. appear as “completed” in the Mox app) from referee Joining Date and the following 60 days. We will deposit into your Mox Account upon settlement of the last Eligible Transaction that you have made to satisfy the Spending Requirement.
Referrer rewards: You will receive your cash reward in your Mox Account within 60 days after your friend completes their first eligible transaction on their Mox Card or Mox Credit Card.
Referee rewards: We will deposit into your Mox Account upon settlement of the last Eligible Transaction that you have made to satisfy the Spending Requirement.
We will deposit into your Mox Account.
You will receive your cash reward in your Mox Account within 60 days after your friend completes their first eligible transaction on their Mox Card or Mox Credit Card.
If you would like to know the exact spending status, you may have to contact the referee for details.
To get the rewards as a referrer, the referee should have never held a Mox Account in their name, at any time. The Referee is considered to have held a Mox Account even if they haven’t completed any transactions on their previous Mox Account.
As the referee, to enjoy the rewards, you have not held a Mox Account in your name, at any time, in the 12 months prior to your Joining Day. For example, you have closed the account at 31 Aug 2024. You could only enjoy the welcome offer with your account opened on/after 1 Sep 2025.
The rewards for referrer and referee are governed by separate T&Cs. Therefore, the eligibility should be different. You may refer to ‘Mox Referral Programme 21 Terms and Conditions’ for the referrer’s reward.
For referee, you may refer to “SAVEINMOX” Invitation Code Promotion Terms and Conditions;
“FLYWITHMOX” Invitation Code Promotion Terms and Conditions;