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

*As of 1 Aug 2026, based on a comparison of publicly available Emirates promotional offers (in form of discounts) published by its major partners in Hong Kong on their public websites for the same offer period, the Mox offer provides the best discount on Business Class across destinations (excluding Bangkok and Dubai). Mox is also currently the only Emirates bank partner in Hong Kong offering Premium Economy and Economy Class privileges during the Promotion Period.

¹Terms and Conditions of Exclusive Emirates Offer for Mox Credit Card Customers apply.

²Mox Disclaimer applies.

³Please 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.

⁴We will charge a spending rewards switching fee of HKD50 unless we waive this fee if you have Mox+. Please refer to the Mox Credit Key Facts Statements and Mox+ Benefits Table for further details.

⁵From 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.

⁶Terms & Conditions apply. Please refer to Mastercard Travel Rewards website for more details.