Five years of Mox – Celebrate with big rewards! Debit or credit, everyone wins – let’s make every spend count!

Five years young and going stronger than ever – and the party’s just getting started! To mark Mox’s big 5th birthday, we’re showering you with rewards, surprises, and a whole lot of fun. Whether you love debit or credit, it’s your time to earn more, celebrate bigger, and make every spend count!

Whether debit or credit, you get the love with 'MOXISFIVE'¹
Whether debit or credit, you get the love with 'MOXISFIVE'¹

Whether debit or credit, you get the love with 'MOXISFIVE'¹

From now until 9 October 2025, simply open a Mox Account using the invitation code 'MOXISFIVE'. It only takes a few minutes to open an account! Complete the account opening process² within the following 15 days from the day you use the invitation code and start earning:

  • Apply for a Mox Credit Card successfully withing 30 days³, spend HKD2,000 or more with the credit card to get a HKD1,000 cash reward

  • Prefer debit? Spend HKD2,000 or more and get a HKD300 cash reward

Don’t forget to meet the spending requirement by making a total of HKD2,000 or more in eligible purchases during the period beginning on and from your Joining Day and the following 60 days.

💡Please note that any e-payments or e-wallet top-ups from Alipay or WeChat Pay will not count towards meeting the spending requirement.

💡You can only receive one Spending Reward, and it will be based on the payment method you use (debit card or credit card) that first meets the Spending Requirement.


100% real cash, 100% no cap – earn every day without limits! 
100% real cash, 100% no cap – earn every day without limits! 

100% real cash, 100% no cap – earn every day without limits! 

Use your Mox Card for debit or credit purchases and enjoy Unlimited CashBack with no caps, no category restrictions, and no maximum rewards.

What’s more, once your Mox Credit Card is approved, you’ll instantly unlock 2% Unlimited CashBack for your first 60 days – no HKD250,000 Mox Account balance required! Earn as you spend, everywhere you go, with your cash rewards paid straight into your account daily. Can your bank do that? 

Header Spending category Cash rebate
Mox Credit Card (Credit spending) Any purchase! The first 60 days from your Mox Credit Card approval: 2% Unlimited CashBack – No HKD250,000 Mox Account balance required!
After the first 60 days from your Mox Credit Card approval: Eligible balance of HKD250,000 or above: 2% Unlimited CashBack Eligible balance below HKD250,000: 1% Unlimited CashBack 
Major supermarkets in Hong Kong 3% Unlimited CashBack⁴
Mox Account (Debit spending) Any purchase! 0.5% Unlimited CashBack

With the Mox app, you can just “Flip” between debit and credit modes anytime with just a tap – and take control of the way you spend.

Open your account in just minutes⁵
Open your account in just minutes⁵

Open your account in just minutes⁵

  • Download the Mox app and apply for your Mox Credit Card anytime, anywhere.
  • All you need is your HKID, proof address and an email address. It’s that easy.
  • No annual fee or minimum spending required.
  • Once approved, add Mox Credit Card to your digital wallet and start spending right away -- the more you spend, the more you earn!

Celebrate with us – and stay tuned!

This is just the beginning! More exciting promotions and reward are coming your way to make Mox’s 5th birthday extra special. Keep an eye on your Mox app – you won’t want to miss it!

Not a Mox customer yet?

Open a Mox Account in a few minutes and add your digital Mox Card to Apple Pay/ Google Pay via “Add to wallet”. In this way, you can spend right away while your physical Mox Card is still on its way to you.

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

Quota is limited, first come, first served.

¹“MOXISFIVE” Invitation Code Promotion Terms and Conditions apply.

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).

³During the period beginning on and from the day you use the Invitation Code and the following 15 days, you need to complete the Mox Account opening process; during the period beginning on and from the day you use the Invitation Code and the following 30 days, you need to complete the Mox Credit application journey and receive a Mox Credit approval notification.

⁴From 26 September 2023, earn unlimited CashBack calculated at 3% on the amount of the eligible transaction made with Mox Credit made at ‘supermarkets and grocery stores’, as classified by MasterCard Asia/Pacific (Hong Kong) Limited.

⁵In 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.