Invite more, earn more

One little share. Plenty to gain. 🎉

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Make your friends’ move to Mox even more rewarding - with up to HKD2,200 cash rewards

Different friends, different ways to earn. Some like to spend and get rewarded. Some would rather save and earn. Others are ready to invest and grow.

With our new round of Mox Referral Programme, there’s something for everyone – and your friends can exclusively earn HKD200 Referral Reward¹ when they join Mox with your Referral Code and make their first eligible credit card transaction plus up to HKD2,000 in welcome rewards¹ when they spend, save or invest with Mox. And for you, there’s HKD300¹ for every successful referral, with no cap.

So, a little share can go a long way – for both of you!

Up to HKD2,000 Referral Welcome Offers for Referee¹ 🎁

Reward 1 💳 : Spend and get HKD1,000

Apply for Mox Credit Card and get it approved within 30 days of opening your account
Within 30 days of credit card approval, accumulate at least HKD2,000 in eligible spending² on your Mox Credit Card to earn HKD1,000 cash reward💰

💡Any e-payments and e-wallet top-ups from Alipay or WeChat Pay will not count towards the spending requirement.

Reward 2💰: Fund in to earn HKD500, equivalent to a total savings rate of 12.7% p.a.!

Reward 2💰: Fund in to earn HKD500, equivalent to a total savings rate of 12.7% p.a.!

Deposit HKD50,000 funds within the Fund-in Period (first 7 days of account opening)
Maintain it in the hold fund period (from the last day of the Fund-in Period and the following 29 days) to earn HKD500 cash rewards

💡Any deposits held in your Time Deposit Account(s) or FlexiBoost Savings Account(s) will not count towards your HKD Savings Account Balance.

Reward 3 📈: Start investing to earn HKD500

Reward 3 📈: Start investing to earn HKD500

Successfully activate your Mox Invest account within 14 days of your Mox joining Day
Earn HKD500 cash rewards by accumulating a total eligible investment transaction amount of HKD50,000 (or equivalent) or above within 30 days of Mox Invest account activation

💡Eligible trades include stock purchases, cryptocurrency purchases, and fund subscriptions.

What's more? New Mox Invest customers can also enjoy a burden-free Investment experience!

From now till 30 Sep 2026³, successfully open your Mox Invest account to unlock 60 days of UNLIMITED zero-fee trading:
0 Stock Buy Commission⁴
0 Crypto Buy Commission
0 Funds Subscription Fee⁵

👥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% p.a. on savings^ and turbocharge your wealth

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

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

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 of the ‘Mox Referral Programme 24 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 the ‘Mox Referral Programme 24 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 24 Terms and Conditions’ for the rewards.

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

Quota is limited, first come, first served.

Referrer and Referee can enjoy the rewards only if the Referee have never held a Mox Account in your name at any time before using the Referral Code to open a Mox Account

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.

Investment involves risks. Mox Invest Terms and Conditions apply.

¹Promotion period from 14 September to 31 October 2026. Mox Referral Programme 25 Terms and Conditions apply.

²Please refer to clause 2 of Rewards for Cards Schedule regarding Eligible Transactions for Mox Card Rewards.

³Promotion period from 1 July 2026 to 30 September 2026. Mox Invest Triple $0 Rewards Welcome Offer Promotion Terms and Conditions apply.

⁴Other fees and charges continue to apply, including but not limited to the settlement fee, stamp duty, trading fee, transaction levy and trading activity fee with respect to the relevant market(s). For details, please refer to the ‘Invest Fees and Charges’ section on the Mox website.

⁵Other fees and charges continue to apply, including but not limited to Annual Management fees, custodian fees and/or administration fees with respect to the relevant fund. For details, please refer to the respective fund offering documents.

^ 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.

*From 1 September 2026, when you make an eligible Mox Credit Card transaction, if you have Mox+, depending on the Spending Rewards Scheme you have chosen, you can receive 2% CashBack or HKD5 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. If you do not have Mox+, you can receive 1% CashBack or HKD10 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. Please refer to the Rewards for Cards Schedule for further details.

** 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.

Important Notes

Investment involves risks. The prices of securities (including any investment funds units constituting a portfolio) and virtual assets fluctuate, sometimes dramatically, and the worst case may result in loss of your entire investment amount. The performance and return of any investments are not guaranteed.

Past performance is not indicative of future performance. You should refer to the offering documents of the product(s) for detailed information (including risk factors) prior to investing in the product(s).

Virtual assets and virtual asset-related products are highly complex products that carry a significant level of risk and may not be suitable for all investors.

Derivatives products are different from conventional investments and may involve different risks. Derivatives products may not be suitable for all investors.

You should consider your own investment objectives, investment experience, financial situation, and risk tolerance level and carefully read the Mox Invest Terms and Conditions (including relevant risk disclosures) before making any investment decision.

If you have any queries on the nature and risks involved in the information displayed on this page and the relevant product(s) and services, you should seek advice from independent advisers, such as legal, tax, financial and accounting advisers.

The information contained in this page is intended for Hong Kong residents only and should not be construed as a distribution, an offer to sell, or a solicitation to buy any security and virtual asset in any jurisdiction where such activities would be unlawful pursuant to the laws of such jurisdiction. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services in the country or region you are located or resident in.

The page does not constitute investment advice nor any offer, solicitation, recommendation or guarantee in respect of, or for the purpose of, the sale of any investment products or services.

The contents of this page have been prepared without regard to the investment objectives, investment experience, financial situation, and risk tolerance level of any particular person or entity.

This page provides summary level information only in respect of investments. Please refer to the Mox Invest Terms and Conditions (including relevant risk disclosures) for more details of our services as well as the offering documents for the nature and risks of the relevant products.

This page is issued by Mox Bank Limited. The contents of this page have not been reviewed by the Securities and Futures Commission of Hong Kong.

Mox Bank Limited is a Registered Institution under the Securities and Future Ordinance (CE number: BNO808)