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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 switch your payroll to Mox with a monthly amount of HKD25,000 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

From dining, shopping, travel to transportation, you can earn Unlimited CashBack on any spending! When you bank with Mox and switch your payroll to Mox with a monthly amount of HKD25,000 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.

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!

View full merchant table
View full merchant table
3%

Unlimited
CashBack
3%

Unlimited
CashBack
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!

View full merchant table
View full merchant table

Not a Mox Credit customer yet?

Frequently Asked Questions

Why is the 2% Unlimited CashBack still locked?
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To enjoy 2% Unlimited CashBack, you need to switch your payroll to Mox with a monthly amount of HKD25,000 or more. Please ensure your employer has set up the payroll deposit to your Mox account and that the transaction has been successfully completed.

To find out your eligible balance:

  1. Click the “2%/3%” icon under Mox Card on the homepage in the Mox app
  2. Under “Unlimited CashBack on all spending”, click “View details”
How to add money?
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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?
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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, switch your payroll to Mox with a monthly amount of HKD25,000 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.

³Please 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.

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

⁵Earn unlimited 3% CashBack on the amount of eligible Mox Credit Card transaction made at supermarkets and grocery stores, each as classified by Mastercard Asia/Pacific (Hong Kong) Limited.

⁶In 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.

⁷Our General Terms and Conditions (in particular, see Schedule 3) and the Mox Credit Key Facts Statement apply.