Real cash. No cap. Earn with no limit on everyday spendings

A new way to earn CashBack! All you need is Mox Credit¹ - earn the best in town* Unlimited CashBack² in real cash on any spending! No cap, no category limits. Better yet, all CashBack is calculated instantly and credited to your Mox Account instantly, it’s your no brainer choice! Read on to learn more.

Earn 2% Unlimited CashBack³ anytime, anywhere

From dining, shopping, travel to transportation, you can earn Unlimited CashBack on any spending! When you bank with Mox and maintain a total eligible balance of HKD250,000 or more, you not only enjoy a higher savings rate but also earn 2% Unlimited CashBack. No cap, no category limits! Even if your total eligible balance falls below the above threshold, you can still earn 1% Unlimited CashBack⁴.

2_%

Unlimited
CashBack

Everywhere!

2_%

Unlimited
CashBack

Everywhere!

Earn 2% Unlimited CashBack³ anytime, anywhere

Earn 3% Unlimited CashBack⁵ at all supermarkets

Cash rewards don’t stop here – earn 3% Unlimited CashBack at major supermarkets in Hong Kong like HKTVmall, Park n Shop, Wellcome, city’super and more. Earn real cash on everyday essentials with no cap!

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3_%

Unlimited
CashBack

3_%

Unlimited
CashBack

Earn 3% Unlimited CashBack⁵ at all supermarkets

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Register for extra 3% Cashback⁶ at Selected Daily Merchants

From daily necessities to travel expenses, register the campaign in Mox app > Mox Rewards > Latest Campaign > Join now, and spend with Mox Credit to earn extra 3% Cash Rewards at Selected Daily Merchants⁶, including Trip.com, 7-11, Mannings, Watsons and Circle K and more!

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2_%＋3_%

CashBack

2_%＋3_%

CashBack

Register for extra 3% Cashback⁶ at Selected Daily Merchants

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Not a Mox Credit customer yet?

Apply now Apply now

Frequently Asked Questions

Your total balance is more than HKD250,000, but why is the 2% Unlimited CashBack still locked?

Your ‘total balance’ on the homepage in the Mox app is different to your eligible balance. Your total balance reflects all assets you hold with Mox. Only cash in your savings accounts count towards your eligible balance. Please note, balances in your Time Deposit Account(s) will not count towards your eligible balance.

To find out your eligible balance:

Click the “2%/3%” icon under Mox Card on the homepage in the Mox app
Under “Unlimited CashBack on all spending”, click “View details”

How to add money?

Click ‘Actions’ in Mox app > ‘Add money’in just a few clicks! you not only enjoy a higher savings rate but also earn 2% Unlimited CashBack.

Where to check if my 2% Unlimited CashBack is unlocked?

1️⃣ Click the Mox Card on the homepage in Mox app, you can see the CashBack rate you earning under the‘CashBack’section.

2️⃣ You can also check the top right icons on homepage in Mox app. If the ‘2%’ icon is locked in grey color, fund in now! Maintain a total eligible balance of HKD250,000 or more, you not only enjoy a higher savings rate but also earn 2% Unlimited CashBack.

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

*Compared against 27 credit cards in Hong Kong regarding unlimited cash rebate as published on official website as of 8 March 2024.

¹Our General Terms and Conditions (in particular, see Schedule 3) and the Mox Credit Key Facts Statement apply.  

²Clause 9 of Schedule 1 (Terms and Conditions for Accounts and Card Management) to the General Terms and Conditions (which can be found in the Mox app and/or on our website) applies.

³The 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 Unlimited CashBack calculated at 2% on the amount of the eligible Mox Credit Card transaction. From 4 November 2024, if you have an Eligible Balance of below HKD250,000 at the time you make an eligible Mox Credit Card transaction, you may earn Unlimited CashBack calculated at 1% on the amount of the 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’.

⁴From 4 May 2021, earn unlimited CashBack calculated at 1% of the amount of the eligible transaction made with Mox Credit.

⁵From 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).

⁶From 1 October until 30 November 2024, earn Cash Reward calculated at 3% on the amount of the eligible transaction made with Mox Credit at Selected Daily Merchants of up to HKD210. Selected Daily Merchants 3% Cash Reward Promotion Terms and Conditions applies.

⁷In 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.

⁸Our General Terms and Conditions (in particular, see Schedule 3) and the Mox Credit Key Facts Statement apply.