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

Quota is limited, first come, first served.

You can enjoy the referral reward only if your friends (the Referee) have never held a Mox Account in their name, at any time.

Mox Disclaimer applies.

Mox does not sponsor or endorse third-party individuals offering cash rebates or other incentives not mentioned in our programme terms. Such offers are not affiliated with our bank, and we are not responsible for their content or legitimacy. Please review our referral programme terms and conditions carefully before participating.

¹Mox Team Up referral reward promotion terms and conditions apply.

²Mox Referral Programme 24 terms and conditions apply. You can enjoy the referral reward only if your friends (the Referee) have never held a Mox Account in their name, at any time.

³"Eligible Transaction” means a transaction for the purchase of goods or services, as we determine, from time to time, to be eligible to contribute to the satisfaction of the requirement in clause 7(e) of the ‘Mox Referral Programme 24 terms and conditions’. For a transaction to be an ‘Eligible Transaction’: (i) the transaction must have been processed through the Mastercard network; and (ii) the transaction must have been settled by the merchant (i.e. appear as ‘completed’ in the Mox app) by the end of the period specified in clause 7(e) of the ‘Mox Referral Programme 24 Terms and Conditions’. Regarding “Eligible Transaction”, please refer to clause 2 of Rewards for Cards Schedule.

⁴From 1 July 2026 to 31 August 2026, when you make an eligible Mox Credit Card transaction, if you (a) have completed an Eligible Payroll Transaction of HKD25,000 or more, or (b) have Mox+ (each an “Unlocking Criterion”), depending on the Spending Rewards Scheme you have chosen, you can receive 2% CashBack or HKD5 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. If you have not satisfied an Unlocking Criterion, you can receive 1% CashBack or HKD10 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. “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 can receive 2% CashBack or HKD5 = 1 Asia Mile during the period beginning on the day you complete the Eligible Payroll Transaction and ending on the earlier of (a) the last day of the next calendar month and (b) 31 August 2026. From 1 September 2026, when you make an eligible Mox Credit Card transaction, if you have Mox+, depending on the Spending Rewards Scheme you have chosen, you can receive 2% CashBack or HKD5 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. If you do not have Mox+, you can receive 1% CashBack or HKD10 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. Please refer to the Rewards for Cards Schedule for further details.