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

¹Clause 11 of Rewards for Cards Schedule to the General Terms and Conditions (which can be found in the Mox app and/or on our website) applies.

²The Mox Credit Schedule, the Rewards for Cards Schedule and the Mox Credit Key Facts Statement apply (each of which can be found in the Mox app and/or on our website).

³From 1 April until 31 May 2025, earn Cash Reward calculated at 3% on the amount of the eligible transaction made with Mox Credit at Selected Merchants of up to HKD150. Selected Merchants 3% Cash Reward Promotion Terms and Conditions applies.

⁴The Rewards for Cards Schedule applies (which can be found in the Mox app and/or on our website). From 4 November 2024, if you have an Eligible Balance of HKD250,000 or more at the time you make an eligible Mox Credit Card transaction, you may earn Unlimited CashBack calculated at 2% on the amount of the eligible Mox Credit Card transaction. From 4 November 2024, if you have an Eligible Balance of below HKD250,000 at the time you make an eligible Mox Credit Card transaction, you may earn Unlimited CashBack calculated at 1% on the amount of the eligible Mox Credit Card transaction. “Eligible Balance” 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’.

⁵Spending 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.

⁶“MOXPANDA” Invitation Code Promotion Terms and Conditions applies.

⁷Mox Disclaimer applies.

⁸Terms and Conditions of foodpanda Voucher Code "MOXPRO@@@@" applies.

⁹Upon your successful redemption of pandapro membership, foodpanda will distribute HKD50 coupon to your foodpanda account automatically on monthly basis. In total, you can get HKD300 coupons.

¹⁰Mox x foodpanda Deposits Welcome Offer Promotion Terms and Conditions applies.

¹¹In 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.