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

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.

²“Eligible Transaction” means a transaction for the purchase of goods or services, as determined by us, in our sole and absolute discretion, from time to time. Without limiting the above: (i) for the transaction to be an ‘Eligible Transaction’, the transaction must have been settled by the merchant (i.e. appear as ‘completed’ in the Mox app) during the Entry Period; and (ii) transactions that are ineligible for Mox Card Rewards are not Eligible Transaction(s) (see clause 2 of the Rewards for Cards Schedule for transactions that are ineligible for Mox Card Rewards, which include e-wallet top-ups).

³Australian Open 2026 Travel Package Sponsored by Mastercard Lucky Draw Promotion Terms and Conditions apply.

⁴Mox Disclaimer applies.

⁵Please refer to the Rewards for Cards Schedule for further details. From 4 November 2024, if you have an Eligible Balance for Card Rewards of HKD250,000 or more at the time you make an eligible Mox Credit Card transaction, 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 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’.

⁶If you have an Eligible Balance for Card Rewards of below HKD250,000 at the time you switch your Spending Rewards, a Spending Rewards Switching Fee of HKD50 will be charged. Please refer to the Definitions Schedule for the definition of ‘Eligible Balance for Card Rewards’.