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

¹Please refer to the Rewards for Cards Schedule for further details. From 2 April 2026, when you make an eligible Mox Credit Card transaction, if you (a) have completed an Eligible Payroll Transaction of HKD25,000 or more; and/or (b) you have Mox+ status ("Unlocking Criteria"), then you may earn unlimited 2% CashBack or HKD4 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction based on your selected Spending Reward. If you have not satisfied the Unlocking Criteria at the time you make an eligible Mox Credit Card transaction, you may earn unlimited 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 will be eligible to receive 2% CashBack or HKD4 = 1 Asia Mile during the period beginning on and from the day you complete the Eligible Payroll Transaction and ending on the last day of the next calendar month.

²Eligible 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’.

Please refer to the Mission Bonus Rate Promotion (2026) Terms and Conditions for further details. For clarity, it is not possible to receive additional interest if you satisfy the requirement on the last day of the calendar month.