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

¹Mox Disclaimer applies.

²Mox x Keeta Spending Reward Terms and Conditions apply. Each Keeta user can enjoy the Mox x Keeta Spending Rewards issued in Hong Kong maximum 4 times during promotion period on first-come-first-served basis. Mox x Keeta Spending Rewards applies to Cardholders of Mox Card issued by Mox Bank Limited. Mox Cardholders are required to settle payment in full of Mox Card during the Promotion Period to enjoy the Mox x Keeta Spending Rewards. Mox x Keeta Spending Rewards are NOT applicable to payments which settled via Apple Pay / Google Pay / Alipay HK / WeChat Pay HK / PayMe. Mox x Keeta Spending Rewards are not applicable to any tips to rider after completing the order; any transactions purchasing koupon(s) only in the order.

³Terms & Conditions apply. Quota is limited, first come, first served. For details, please visit Keeta's app.

⁴Please 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.

⁵New-to-Keeta Reward Terms and Conditions apply.

⁶Please 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.

⁷From now till 1 April 2026, Spending Rewards Switching Fee is waived if you have an Eligible Balance for Card Rewards of HKD250,000 or above at the time you switch your Spending Rewards. A Spending Rewards Switching Fee of HKD50 may be charged starting from 2 April 2026 unless you have Mox+ status. Please refer to the Mox Credit Key Facts Statements for further details.

⁸MOXSMART Invitation Code Promotion Terms and Conditions apply.

⁹In 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.