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

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 16 February 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 17 February 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 TnC 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. MOX4100 Invitation Code Promotion Terms and Conditions and Mox Deposits Welcome Offer Promotion (November 2024) 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.

⁸Millionaire Asia Miles Lucky Draw Promotion Terms and Conditions apply. If the date of the notification and/or announcement falls on a Hong Kong public holiday, the notification and/or announcement will be sent on the next working day.

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.