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

¹Terms and Conditions of “Mox Exclusive Taobao 0% Handling Fee Promotion” apply.

²Mox Disclaimer applies.

³Terms and Conditions of “Mox Card x AlipayHK – Limited-time Taobao Double 12 Offer" apply.

⁴Please 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’.

⁵Please 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.

⁶“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).

⁷Australian Open 2026 Travel Package Sponsored by Mastercard Lucky Draw Promotion Terms and Conditions apply.

⁸“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.

⁹General 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.

¹⁰The Club Membership – Mox Card linkage terms and conditions apply.

¹¹Mox 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.

¹²Mastercard x GU Terms and Conditions apply.

¹³Mastercard x HKTVmall Terms and Conditions apply.

¹⁴Mastercard x Lane Crawford Terms and Conditions apply.

¹⁵Please refer to the Rewards for Cards Schedule for further details. From 1 December 2025, if you have (a) an Eligible Balance for Card Rewards of HKD250,000 or more; and/or (b) completed an Eligible Payroll Transaction of HKD25,000 or more (each an “Unlocking Criteria”), at the time you make an eligible Mox Credit Card transaction, you may earn HKD4 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. From 1 December 2025 to 31 December 2025 (both dates inclusive), if you have not satisfied an Unlocking Criteria at the time you make an eligible Mox Credit Card transaction, you may earn HKD8 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. From 1 January 2026, if you have not satisfied an Unlocking Criteria at the time you make an eligible Mox Credit Card transaction, you may earn HKD10 = 1 Asia Mile 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’.  An “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’.

¹⁶Spending Reward Switching Fee of HKD50 will be charged for each switch if your Eligible Balance falls below HKD250,000 at the time you change your Mox Credit Spending Reward Scheme in the Mox app.