Real cash. No cap. Earn with no limit on everyday spendings

A new way to earn CashBack! All you need is Mox Credit¹ - earn the best in town* Unlimited CashBack² in real cash on any spending! No cap, no category limits. Better yet, all CashBack is calculated instantly and credited to your Mox Account instantly, it’s your no brainer choice! Read on to learn more.

Earn 2% Unlimited CashBack³ anytime, anywhere

From dining, shopping, travel to transportation, you can earn Unlimited CashBack on any spending! When you bank with Mox and maintain a total eligible balance of HKD75,000 or more, you not only enjoy a higher savings rate but also earn 2% Unlimited CashBack. No cap, no category limits! Even if your total eligible balance falls below the above threshold, you can still earn 1% Unlimited CashBack⁴.

2%

Unlimited
CashBack
Everywhere!
2%

Unlimited
CashBack
Everywhere!
Earn 2% Unlimited CashBack³ anytime, anywhere

From dining, shopping, travel to transportation, you can earn Unlimited CashBack on any spending! When you bank with Mox and maintain a total eligible balance of HKD75,000 or more, you not only enjoy a higher savings rate but also earn 2% Unlimited CashBack. No cap, no category limits! Even if your total eligible balance falls below the above threshold, you can still earn 1% Unlimited CashBack⁴.

Earn 3% Unlimited CashBack⁵ at all supermarkets

Cash rewards don’t stop here – earn 3% Unlimited CashBack at major supermarkets in Hong Kong like HKTVmall, Park n Shop, Wellcome, city’super and more. Earn real cash on everyday essentials with no cap!

View full merchant table
View full merchant table
3%

Unlimited
CashBack
3%

Unlimited
CashBack
Earn 3% Unlimited CashBack⁵ at all supermarkets

Cash rewards don’t stop here – earn 3% Unlimited CashBack at major supermarkets in Hong Kong like HKTVmall, Park n Shop, Wellcome, city’super and more. Earn real cash on everyday essentials with no cap!

View full merchant table
View full merchant table
3% CashBack⁶ at selected CashBack Merchants

From daily necessities to travel expenses, spend with Mox Credit to earn 3% CashBack at selected Cashback Merchants, including newly joined merchants such as 7-11, Mannings, Watsons and Circle K and more!

View full merchant table
View full merchant table
3%
CashBack
3%
CashBack
3% CashBack⁶ at selected CashBack Merchants

From daily necessities to travel expenses, spend with Mox Credit to earn 3% CashBack at selected Cashback Merchants, including newly joined merchants such as 7-11, Mannings, Watsons and Circle K and more!

View full merchant table
View full merchant table

Join Mox with “MOX1028” and earn HKD1,028 in Cash Rewards

Open Mox Account and earn HKD228
Open Mox Account and earn HKD228

Open Mox Account and earn HKD228

Open a Mox Account with the code “MOX1028”^, apply for Mox Credit and you’ll get HKD228 Cash Rewards right away.

Open an Account within minutes⁷ and start cashing right away. What are you waiting for?

Spend HKD800 and earn HKD800!
Spend HKD800 and earn HKD800!

Spend HKD800 and earn HKD800!

From now until 31 March 2024, open a Mox Account with the code “MOX1028”, accumulate HKD800 spending in eligible transactions during your first 30 days upon Mox Credit approval to earn additional HKD800 in Cash Rewards. That’s 100% Cash Rewards, simply by spending with Mox Credit⁸.

Frequently Asked Questions

Your total balance is more than HKD75,000, but why is the 2% Unlimited CashBack still locked?
ArrowCreated with Sketch.

Your ‘total balance’ on the homepage in the Mox app is different to your eligible balance. Your total balance reflects all assets you hold with Mox. Only cash in your savings accounts count towards your eligible balance. Please note, balances in your Time Deposit Account(s) will not count towards your eligible balance.

To find out your eligible balance:

  1. Click the “2%/3%” icon above Mox Card on the homepage in the Mox app
  2. Under “Unlimited CashBack on all spending”, click “View details”
How to add money?
ArrowCreated with Sketch.

Click ‘Actions’ in Mox app > ‘Add money’in just a few clicks! you not only enjoy a higher savings rate but also earn 2% Unlimited CashBack.

Where to check if my 2% Unlimited CashBack is unlocked?
ArrowCreated with Sketch.

1️⃣ Click the Mox Card on the homepage in Mox app, you can see the CashBack rate you earning under the‘CashBack’section.

2️⃣ You can also check the top right icons on homepage in Mox app. If the ‘2%’ icon is locked in grey color, fund in now! Maintain a total eligible balance of HKD75,000 or more, you not only enjoy a higher savings rate but also earn 2% Unlimited CashBack.

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

*Compared against 27 credit cards in Hong Kong regarding unlimited cash rebate as published on official website as of 8 March 2024.

¹Our General Terms and Conditions (in particular, see Schedule 3) and the Mox Credit Key Facts Statement apply.  

²Clause 9 of Schedule 1 (Terms and Conditions for Accounts and Card Management) to the General Terms and Conditions (which can be found in the Mox app and/or on our website) applies.

³From 26 September 2023, earn unlimited CashBack calculated at 2% on the amount of the eligible transaction made with Mox Credit, if you have an eligible balance of HKD75,000 or more in your savings accounts with Mox at the time you make the relevant transaction. For the avoidance of doubt, any balances in your Time Deposit Account(s)) will not count towards your eligible balance.

⁴From 4 May 2021, earn unlimited CashBack calculated at 1% of the amount of the eligible transaction made with Mox Credit.

⁵From 26 September 2023, earn unlimited CashBack calculated at 3% on the amount of the eligible transaction made with Mox Credit made at ‘supermarkets and grocery stores’, as classified by MasterCard Asia/Pacific (Hong Kong) Limited).

⁶From 1 January to 31 December 2024, earn CashBack calculated at 3% on the amount of the eligible transaction made with Mox Credit at selected CashBack Merchants, up to HKD1,800.

⁷In 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.

⁸Our General Terms and Conditions (in particular, see Schedule 3) and the Mox Credit Key Facts Statement apply.

^ MOX1028 Invitation Code Promotion Terms and Conditions apply.