Invite more, earn more

Share Mox, earn together, everyone wins! 🎉

We’ve made it easier than ever to rack up rewards with our new Mox Referral Programme! From now until 24 April 2026, simply share your Referral Code and invite your friends to join Mox. When the referral is successful, you’ll both earn HKD300 in cash rewards¹!

Refer friends and earn rewards together!

As a Referrer:

Earn HKD300 per successful referral!

1. During the Mox Referral Programme promotion period1, invite your friends to open a Mox Account² with your Referral Code.

2. Remind them to complete the account opening process within 15 days from the day they use your Referral Code .

3. Don’t forget to ask them to successfully apply for a Mox Credit Card and complete HKD1,000 of eligible spending³ using their Mox Credit Card within 30 days from the Approval Day.

We will deposit the respective Cash Reward into the Referee’s and Referrer’s respective Mox Accounts within 60 days after the referee completes their spending requirement on their Mox Credit Card.

As a Referee:

Join Mox using your friend’s Referral Code and complete the spending requirement to earn HKD300¹!

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, successfully apply for a Mox Credit Card and complete HKD1,000 of eligible spending³ using your Mox Credit Card within 30 days from the Approval Day.

We will deposit the respective Cash Reward into the Referee’s and Referrer’s respective Mox Accounts within 60 days after the referee completes their spending requirement on their Mox Credit Card.

👥Refer your friends with ease

Open your Mox app > tap on the upper left corner on the homepage to open the side menu > tap ‘Invite friends’

Copy and share your unique Referral Code with your friends and start earning together!

Why Mox?

Earn up to 3.5% p.a. on savings^ and turbocharge your wealth

Get instant and unlimited credit card spending rewards – up to 2% Unlimited CashBack or HKD4 = 1 Asia Mile*

Travel fee-free with 0 FX fees on international transactions**

Don’t miss out — Share your invitation code now. Your next reward is one invite away! 🎉

Frequently Asked Questions

Where can I find how many referrals I have made using my Referral Code and successfully onboard?

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

What would be the Eligible Referral Transactions?

"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’.

When could I start counting the spending period?

Referee can meet the Spending Requirement during the period beginning on and from their Joining Day and the following 60 days.

Where could I check my eligible spending progress as a referee?

Open your Mox app > tap “Mox Rewards” > tap Welcome rewards under “My Progress” and review

Why do I spend on last day but doesn’t count eligible as a referee?

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.

When will I get the reward?

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.

Which account should be received the reward?

We will deposit into your Mox Account.

What is my friend’s (referee) spending status?

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.

Could I enjoy the rewards if the referee had a closed account before?

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.

Why am I eligible for the reward but referee is not?

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;

“EARNINMOX” Invitation Code Promotion Terms and Conditions.

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

Quota is limited, first come, first served.

Mox Disclaimer applies.

Mox does not sponsor or endorse third-party individuals offering cash rebates or other incentives not mentioned in our programme terms. Such offers are not affiliated with our bank, and we are not responsible for their content or legitimacy. Please review our referral programme terms and conditions carefully before participating.

¹Mox Referral Programme 23 Terms and Conditions apply.

²You can enjoy the referral reward only if your friends (the Referee) have never held a Mox Account in their name, at any time.

³"Eligible 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 7(d) of the ‘Mox Referral Programme 23 Terms and Conditions’. For a transaction to be an ‘Eligible 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 7(d) of the ‘Mox Referral Programme 23 Terms and Conditions’. Regarding “Eligible Transaction”, please refer to clause 2 of Rewards for Cards Schedule.

^ Please refer to the Mission Bonus Rate Promotion (2026) Terms and Conditionsfor further details. For clarity, it is not possible to receive additional interest if you satisfy the requirement on the last day of the calendar month.

*Please refer to the Rewards for Cards Schedule for further details. From 2 April 2026, when you make an eligible Mox Credit Card transaction, if you (a) have completed an Eligible Payroll Transaction of HKD25,000 or more; and/or (b) you have Mox+ status ("Unlocking Criteria"), then you may earn unlimited 2% CashBack or HKD4 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction based on your selected Spending Reward. If you have not satisfied the Unlocking Criteria at the time you make an eligible Mox Credit Card transaction, you may earn unlimited 1% CashBack or HKD10 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. “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 or HKD4 = 1 Asia Mile 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.

** FX Fees refer to the Foreign Exchange Handling Fee and the Cross-Border Access Fee. Asia Miles have to be chosen as your Spending Rewards Scheme. 0% Foreign Currencies and Overseas Merchant Spending Fees Promotion Terms and Conditions applies.