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

¹Mox Disclaimer applies.

²The Club Membership linkage lucky draw promotion terms and conditions apply.

³The Club Membership Linkage Reward Discount Code Terms and Conditions apply.

⁴Terms and Conditions of “Mox Exclusive Taobao 0% Handling Fee Promotion” apply.

⁵Terms and Conditions of “Mox Card x AlipayHK – Limited-time Taobao Double 11 Offer" apply.

⁶Terms and Conditions of “Mox Double 11 Instant Discount Promotion" apply.

⁷The Club Membership – Mox Card linkage terms and conditions apply.

⁸Please 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.

⁹Mox recognises eligible transactions for rewards, with reference to the merchant IDs designated by MasterCard Asia/Pacific (Hong Kong) Limited or the merchant’s acquiring bank. Mox does not have any control over such designations and MasterCard Asia/Pacific (Hong Kong) Limited or the merchant’s acquiring bank may change such designations without notice. If you think a particular transaction has not been recognised properly, please contact Mox’s Customer Care Team for further assistance.

¹⁰“Best-in-town Phone of the Year Cash Rebate” is based on a comparison as of 9 September, 2025, of all extra cash rebate promotions related to credit card spending on “Phone of the Year” by Mox and other Hong Kong retail banks at local telecom providers and electronics online & physical merchants in HK, as published on these banks’ websites. On top of basic card rewards, Mox provides eligible customers the highest maximum amount of extra cash rebate in a single transaction, valued at HKD500.

¹¹Mox x HKT 2025 Phone of the Year Promotion terms and conditions apply.

¹²Please 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’.

General Terms and Conditions (in particular, see Part A: Split Purchase of Schedule 3) and the Split Purchase Key Facts Statement apply. You can view the terms in the “Legal documents” section of our website here.

The fees for Split Purchase will be reviewed from time to time. For more details, please refer to the Split Purchase Key Facts Statement and Schedule 3 to the General Terms and Conditions on our website for details.

^For a Split Purchase with a principal amount of HKD5,000 with a repayment period of 60 months, the Annualised Percentage Rate (APR) is as low as 7.61%. Total repayment amount is HKD11,980. The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Associations of Banks. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate.