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.

¹Please refer to the Rewards for Cards Schedule for further details. From 1 December 2025, if you have (a) an Eligible Balance for Card Rewards of HKD250,000 or more; and/or (b) completed an Eligible Payroll Transaction of HKD25,000 or more (each an “Unlocking Criteria”), 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 1 December 2025 to 31 December 2025 (both dates inclusive), if you have not satisfied an Unlocking Criteria 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 January 2026, if you have not satisfied an Unlocking Criteria 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 for Card Rewards” 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 for Card Rewards’.  An “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’.

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).

³Please 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.

⁴Invest Bonus Rate 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 MOXZEROFX - Deposits Top-up Promotion (April & May 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.