If there is any inconsistency between these terms and any of the other Mox terms, these terms will prevail.
Subject to these terms, you may participate in the Programme as a Referrer (as defined in clause 5 of these
terms) or a Referee (as defined in clause 6(a)(i) of these terms) or both.
Mox will provide to each individual, who has a valid Mox Account opened in their name (a
“Referrer”) ), a unique invitation code via the ‘Discover’ page in the Referrer’s Mox app (an
“Invitation Code”) that can be used by a Referee to open a Mox Account and complete a
Successful Referral (as described in clause 6 of these terms).
A “Successful Referral” occurs when:
during the period displayed in the table in clause 24 of terms (“Promotion Period”):
a Referrer provides their Invitation Code to an individual who has never held a Mox Account in their name (a
the Referee downloads the Mox app and applies for a Mox Account and Mox Credit using the Referrer’s
the Referee completes their Mox Account application within 15 days of using the Referrer’s Invitation Code
to open a Mox Account; and
durduring the period from the date the Referee successfully opens their Mox Account (i.e. the date on which
their digital Mox Card is ready to use) and the following 30 days, the Referee spends at least a total of
the HKD amount displayed in the table in clause 25 of these terms with Mox Credit across one, or more
Eligible Card Transaction(s) (as described in clause 7 to these terms)
(“Mox Credit Spend Requirement”).
“Eligible Card Transaction(s)”are transactions for the purchase of goods and services which
are determined by Mox in its absolute discretion based on transaction records held by Mox (which are final and
conclusive in case of any discrepancy). Some examples of transactions that are not Eligible Card
Transaction(s) are those that are not eligible for CashBack – see clause 7.5(b) of Schedule 1 to the General
Terms and Conditions (Terms and conditions for accounts and card management), and e-wallet top-ups including,
but not limited to, transactions conducted via WeChat Pay and Octopus top-ups conducted via Apple Pay. For a
transaction to be an Eligible Card Transaction and contribute towards the Spend Requirement, it does not need
to have ‘settled’ (i.e. appear as ‘completed’ in the Mox app) during the 30-day period following the date the
Referee opens his/her Mox Account (i.e. they can still appear as ‘pending’ in the Mox app).
for a transaction to be an ‘Eligible Card Transaction’ and contribute towards the Mox Credit Spend
Requirement, it does not need to have ‘settled’ (i.e. appear as ‘completed’ in the Mox app) during the
30-day period following the date the Referee opens their Mox Account (i.e. they can still appear as
‘pending’ in the Mox app); and
We will refer to transaction records held by us (which are final and conclusive in case of any discrepancy)
to determine whether a transaction is an ‘Eligible Card Transaction’.
Subject to these terms (including clause 6 of these terms), following a Successful Referral, if you are:
the Referrer, you will be eligible to receive the applicable cash reward displayed in the table in clause 26
of these terms from Mox; and
the Referee, you will be eligible to receive the cash reward displayed in the table in clause 27 of these
terms from Mox,
(each a “Cash Reward”).
We will pay you the applicable Cash Reward into your Mox Account within 30 days after:
if you are the Referrer, we have determined that a Successful Referral has taken place. In this respect,
whether a Successful Referral has taken place, and the number of Successful Referrals you have completed,
are ultimately determined by us in our absolute discretion based on referral records held by us (which are
final and conclusive in case of any dispute); and
if you are the Referee, the Eligible Card Transaction(s) made by you which contribute towards the Mox
Credit Spend Requirement have ‘settled’ in your Mox Credit (i.e. appear as ‘completed’ in your Mox app) per
our transaction records (which are final and conclusive in case of any discrepancy).
You can only participate in the Programme as a Referee once.
You are eligible to receive the applicable Cash Reward only if:
if you are the Referee:
you have never held a Mox Account in your name at any time prior to the opening of your Mox Account using
the Invitation Code. You are considered to have held a Mox Account even if you haven’t completed any
transactions on your prior Mox Account; and
you have never previously received any Cash Reward referred to in clause 27 of these terms or been a Referee
pursuant to the Programme. If you have been successfully referred by a Referrer to complete a Successful
Referral, you cannot be referred by any other Referrer to also complete a Successful Referral. You can
however become a Referrer yourself if you choose to. In this respect, Mox’s records are final and conclusive
in case of any discrepancy;
each of the relevant Referrer and the relevant Referee holds a valid Mox Account in their respective names
when Mox attempts to pay the applicable Cash Reward, with neither Mox Account having been suspended or
closed by the Referrer or Referee (as applicable) or Mox or in arrears or default; and
each of the relevant Referee and the relevant Referrer meets any additional requirements applicable to them
communicated by Mox.
Subject to these terms, including satisfaction of any requirements specified by Mox in connection with the
Programme, Mox will continue to pay you the applicable Cash Reward(s) after the Promotion Period has ended.
Neither your participation in the Programme as a Referrer or a Referee nor your eligibility for any Cash Reward
may be transferred, exchanged or converted into any other benefit or right.
Mox reserves the right, at any time without notice or reason and in its sole discretion, to:
change, modify, suspend or terminate the Programme or these terms (including any Cash Reward and its
rrefuse to offer or distribute any Cash Reward to you (whether as Referrer or Referee) or to any other
Referrer or Referee if Mox believes that any relevant Mox Account has been opened for an improper purpose
(for example attempting to secure payment of any Cash Reward by closing and opening one or more Mox
Accounts) or for any other reason Mox deems relevant;
make any decision in connection with the Programme (including to refuse or suspend your (whether as
Referrer or Referee) or any other Referrer’s or Referee’s participation in the Programme or determine
whether any Cash Reward can or cannot be combined with any other offer or promotion); and
determine that an Invitation Code has been used for an improper purpose and cancel the use of any such
Any such decision shall be conclusive and binding on you
(whether as a Referrer or Referee, as applicable).
If you are the Referee and you’ve received the Cash Reward referred to in clause 27 of these terms and you
subsequently close your Mox Account within 12 months of when you opened it, we have the right to deduct an
amount equal to the total value of your Cash Reward from your Mox Account prior to us completing the closure of
your Mox Account.
If any dispute arises in connection with the Programme, Mox’s decision is final.
To the extent permitted by laws and regulations:
Mox, its affiliates and shareholders shall not be responsible for any loss suffered by any Referrer or
you (whether as Referrer or Referee or otherwise) shall release Mox, its affiliates and shareholders from
all actions, proceedings and claims which may be brought by or against Mox or its affiliates or
arising from or in connection with your participation in the Programme (including any failure to receive any
Cash Reward) or these terms, unless due to Mox’s, its affiliates’ or shareholders’ negligence, fraud or
wilful default and only to the extent of direct and reasonably foreseeable loss and damage arising directly
and solely from such negligence, fraud or wilful default.
This clause 15 continues after the termination of these terms or
the expiry of the Promotion Period.
A person who is not a party to these terms has no rights to enforce or enjoy the benefit of any of their
provisions under the Contracts (Rights of Third Parties) Ordinance (Cap. 623).
The Programme does not constitute an offer, invitation or recommendation to any person to enter into any
Nothing under these terms or the Programme will deem, imply or suggest that a Referrer or any other person or
entity is acting as an agent or representative of Mox or otherwise soliciting business on behalf of Mox.
These terms are governed in all respects by and construed in accordance with the laws of the Hong Kong Special
Administrative Region. The parties submit to the exclusive jurisdiction of the courts of the Hong Kong Special
The English version prevails if there is any discrepancy or inconsistency between the English and Chinese
versions of these terms.
To borrow or not to borrow? Borrow only if you can repay!
22 September 2022 to 31 October 2022 (both dates inclusive) (from 31
October 2022, the Promotion Period is extended to 16 November 2022)
Mox Credit Spend Requirement
Referrer’s Cash Reward
1st Successful Referral
2nd Successful Referral
3rd Successful Referral and onwards
Referee’s Cash Reward
Each Referee who completes a Successful Referral by meeting the Mox Credit Spend Requirement