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The all-new code for miles earning 4️⃣ 1️⃣ 0️⃣ 0️⃣: For all spending HKD4=1 mile¹ + 0 Limits + 0% FX Fees²

Dreaming of jetting off on those miles but tired of juggling between credit cards with complicated calculations?

Mox Credit Card’s³ new Miles Reward Scheme offers you an effortless way to earn Asia Miles with a mile-earning code 4100 on all your daily expenses.

Enjoy HKD4️⃣ = 1️⃣ mile on all spending

  • Get 1 Asia Mile for every HKD4 on all purchases in any categories¹ by maintaining an eligible balance of HKD250,000 or above.
  • Miles are automatically credited to your Cathay Membership Account daily. Earn faster and fly sooner!
  • Tips! You are entitled to enjoy a high savings rate of up to 1.75% p.a.⁴

0️⃣ Limits – Unlimited Miles, Unlimited Trips

  • There's no limit on the number of miles you can earn – spend more, earn more!

0️⃣% FX Fees², same great rates at home and abroad!

  • Enjoy FX Fee waiver on all transactions worldwide.
  • Save effortlessly on overseas trips and online purchases.

Best-in-town* credit card miles rewards

Want to rack up miles faster? It’s not just about getting a good rate – no limits, no fuss, just spend and earn. That’s what makes it the best! Unlike other banks that limit rewards to certain local purchases or select merchants, Mox gives you the best miles rewards in town – no restrictions, no hassle, just pure earning power on every spend, anywhere you go – Can your bank do this?

Bank Credit Card Basic Earn Rate Remark
Mox Bank Mox Credit Card Unlimited miles as low as HKD4=1 mile for any local and overseas transactions With unlimited FX Fee Waivers for travel and overseas e-commerce spend
Bank H E Credit Card HKD5=1 mile for eligible local transactions only Lower redemption rate limited to selected merchant categories
Bank D B Credit Card HKD6=1 mile for eligible local transactions only Lower redemption rate limited to selected merchant categories
Bank C P Credit Card HKD8=1 mile for eligible local transactions only Lower redemption rate limited to selected merchant categories

Mox New Customer Offer: Earn up to 25,000 Miles⁵

From now till 31 May 2025, open an account with the invitation code "MOXZEROFX", meet the spending and savings requirement, and earn up to 25,000 Asia Miles – enough for a round-trip flight to Japan⁶!

Apply now

Existing Mox Credit Card customer

Don't miss out on the chance to earn miles quickly. Switch your Mox Credit Card to earn Asia Miles now:

  • Step 1: Open Mox app > Tap the "2% & 3%" icon
  • Step 2: Tap ‘Switch now’
  • Step 3: Select ‘Asia Miles’ and complete the instructions

Prefer CashBack? Switch it up! You can switch between rewards anytime in the Mox app for free if you have an eligible balance of HKD250,000 or above⁷.


Reminder: You need to register your Cathay Membership Account on Mox app to switch your spending reward to “Asia Miles”.

Not a Mox Credit Card customer yet⁸?

Frequently Asked Questions

Please refer to the FAQs on our website and/or the Mox app for more information.

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

*Mox Credit Card delivers best-in-town rewards offer of its kind as it is the only credit card in Hong Kong that provides the combination of HKD4 spending for 1 Asia Miles for all spending categories, 0% foreign exchange fee, and no cap for these offers. Compared against 5 mileage-focused credit cards in Hong Kong as published on official websites as of 18 October 2024. Promotional rates are not included in the comparison. Please refer to clause 2 of Rewards for Cards Schedule regarding Eligible Transactions for Mox Card Rewards.

¹The 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 HKD4 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. From 4 November 2024 to 30 June 2025 (both dates inclusive), if you have an Eligible Balance of below HKD250,000 at the time you make an eligible Mox Credit Card transaction, you may earn HKD8 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. From 1 July 2025, if you have an Eligible Balance of below HKD250,000 at the time you make an eligible Mox Credit Card transaction, you may earn HKD10 = 1 Asia Mile on the amount of 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’.

²FX Fees refer to the Foreign Exchange Handling Fee and the Cross-Border Access Fee. Asia Miles have to be chosen as your Spending Rewards Scheme. 0% Foreign Currencies and Overseas Merchant Spending Fees Promotion Terms and Conditions apply (which can be found in the Mox app and/or on our website).

³The 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).

⁴Savings Base Rate Enhancement Promotion Terms and Conditions apply. If the requirement is completed on the last day of the calendar month, you will not be credited any additional savings rate the next calendar day. Please see terms and conditions for details.

⁵Rewards are subject to quota, and available when stock lasts, on a first come, first served basis. MOXZEROFX Invitation Code Promotion Terms and Conditions apply and Mox Deposits Welcome Offer Promotion (March 2025) Terms and Conditions apply.

⁶Based on the Standard Flight Awards of Asia Miles as of 1 October 2023.

⁷Spending 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.

⁸In 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.