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

*The exclusive offer for the Mox × HKT "Best-in-Town" monthly fee plan is based on a comparison, as of 5 March 5 2026, between Mox and other local retail banks published on their websites regarding credit card spending-related monthly fee rebates and promotions offered through major local telecom providers. In addition to basic card rewards, Mox × HKT provides eligible customers with the highest-value rebates and privileges for new subscriptions or contract renewals, including a HKD180 monthly service fee rebate and a one-month pass for the Now TV belN SPORTS Super Combo (without set-top box), valued at HKD188. Offers are subject to terms and conditions. For details, please refer to "Mox x HKT Exclusive: Best-in-Town Monthly Plan Offer ” Terms and Conditions.

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.

²To enjoy this Offer, customers are required to subscribe to a designated HKT Services plan with not less than 24-month commitment period and setup autopay with the Eligible Card for the service fees payable, during the Promotion Period. Eligible Cardholders will enjoy HKD180 rebate and Now TV beIN SPORTS Super Pack 1-month pass (without a Now TV Set-Top Box) on the fourth bill month of Designated Plan.

³Mox Disclaimer applies.

⁴MOXBILL26 Invitation Code Promotion Terms and Conditions apply. Quota is limited, first come, first served.

⁵Please refer to the Rewards for Cards Schedule for further details. From 1 December 2025, when you make an eligible Mox Credit Card transaction, if you have (a) an Eligible Balance for Card Rewards of HKD250,000 or more, or (b) completed an Eligible Payroll Transaction of HKD25,000 or more, 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 or have not made an Eligible Payroll Transaction 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’. “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 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.

⁶In 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.