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 HKD75,000 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.

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Unlimited
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Everywhere!

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Unlimited
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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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Earn 3% Unlimited CashBack⁵ at all supermarkets

View full merchant table

3% CashBack⁶ at selected CashBack Merchants

From daily necessities to travel expenses, spend with Mox Credit to earn 3% CashBack at selected Cashback Merchants, including newly joined merchants such as 7-11, Mannings, Watsons and Circle K and more!

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CashBack

3_%

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3% CashBack⁶ at selected CashBack Merchants

View full merchant table

Join Mox with “MOXEARN” and earn HKD1,500 in Cash Rewards

Spend HKD500 and earn HKD1,000!

Open a Mox Account with the code “MOXEARN”, from now until 10 January 2024, apply for Mox Credit and spend HKD100 in up to 5 eligible transactions during your first 30 days to earn HKD1,000 in Cash Rewards⁷. That’s double the Cash Rewards, simply by spending with Mox Credit¹.

Open an Account within minutes² and start cashing right away. What are you waiting for?

Exclusive for new customers: Earn the best rate in town⁸ up to 10.4% p.a.!

With Mox, you get more. Enjoy all the flexibility you deserve and the very best interest rates every single day.

Become a Mox customer, bring in the required New Funds and keep them in your Mox Savings Account until the specified date to earn 4.2% p.a.⁹ That’s not all, as a new Mox customer you’ll enjoy a Welcome Bonus. Together with our base rate and after completing all the Mox Bonus challenges¹⁰, you can earn a total of 10.4% p.a. savings rate!

Apply now Apply now

Frequently Asked Questions

Your total eligible balance is more than HKD75,000, but why the 2% Unlimited CashBack is not yet unlocked?

Click ‘view account’ on homepage in Mox app to check the total eligible balance. A warm reminder Time Deposit is not included.

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 HKD75,000 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 15 credit cards in Hong Kong regarding unlimited cash rebate as published on official website as of 7 September 2023.

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

²Clause 8 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.

³From 26 September 2023, earn unlimited CashBack calculated at 2% on the amount of the eligible transaction made with Mox Credit, if you have an eligible balance of at least HKD75,000 in your savings accounts with Mox (excluding any balances held in your Time Deposit Account(s)) at the time you make the relevant transaction.

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 26 September to 31 December 2023, earn up to HKD600 CashBack calculated at 3% on the eligible transaction made with Mox Credit at selected CashBack Merchants.

⁷MOXEARN Invitation Code Promotion Terms and Conditions apply.

⁸Compared against 27 banks in Hong Kong on (i) HKD savings rate with HKD75,000 deposits as published on official websites as of 27 Oct 2023, and (ii) based on the additional rates from the completion of the relevant challenges to earn the maximum bonus interest during the relevant challenge periods.

⁹This is the annualised rate of the cash reward offered if you maintain the required New Funds during the Hold Fund Period from 30 November 2023 to 15 April 2024. Mox New Funds Promotion (November 2023) Phase 2 terms and conditions apply.

¹⁰If any of the Challenges above are completed on the last day of the calendar month, you will not be credited any bonus interest rate the next calendar day.