Mox Credit Card (CashBack)

Mox Credit Card (CashBack)

Mox Credit offers an unlimited 3% CashBack on spending at supermarkets across Hong Kong. Maintaining a current deposit of HK$75,000 also grants an unlimited 2% cashback. You can apply for Mox Credit after opening a Mox account and, as a welcome offer, enjoy an annual interest rate of up to 4.5% on current deposits.
Cashback Supermarkets
3  %
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Cashback Designated Local Spending
Up to 5  %
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Cashback Local
2  %
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Annual Fee Waiver
Perpetual
5 Offers Available
Delsey ECLIPSE SE 31
MoneyHero Limited-Time Exclusive Offer (with the invitation code "MHNOV")
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280; random colour)

+ 2 other gift options

Open a Mox Account successfully with the invitation code "MHNOV", successfully apply for Mox Credit Card via MoneyHero and spend HK$15,000 within 60 calendar days after approval to enjoy: Delsey ECLIPSE SE 31" Expandable Front Opening Suitcase (valued at HK$4,280; random colour) / Marshall Motif II A.N.C. True Wireless Headphones (valued at HK$1,599) / DELONGHI EC685 Pump Espresso Coffee Machine (valued at HK$2,160)

  • From 4 November 2024 12 noon. to 29 November 2024 6 p.m.: New Mox customers who successfully apply for Mox Credit Card via MoneyHero
  • Within 14 days of after receiving the successful application email from Mox when your Mox Credit Card approved: Submit the reward redemption form sent via email previously
  • The Mox Credit Card must be approved by Mox within 30 days after opening the Mox Bank Account, subject to the Bank’s system records
  • Tips:
    • Successfully open the Mox Bank Account as well as Mox Credit Card and accumulate spending of HK$15,000 within 60 calendar days after approval to receive an email with application reference number (7 or 9 alpha-numeric digits) from Mox in 14 working days. Please submit the reward redemption form sent via email previously within 14 days of after successfully fulfilling the required spending.
    • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
    • Remember to have your cell phone and Hong Kong Identity Card ready before applying! It is recommended to submit all the required documents in one go to speed up the approval process.. After successfully fulfilling the spending requirement, you will receive an email notice with application reference number (7 or 9 alpha-numeric digits) in 14 working days. Please be reminded to enter the Invitation Code to get the application reference number, if you don't receive the email, please check your spam folder.
    • MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Mox has no relation with its redemption, usage and dispute.
    • Terms and Conditions and MHNOV Invitation Code Promotion Terms and Conditions apply.
    • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
HK$1,200 Apple Store Gift Card
MoneyHero Limited-Time Welcome Voucher (with the invitation code "MHNOV")
HK$1,200 Apple Store Gift Card

+ 2 other gift options

Open a Mox Account successfully with the invitation code "MHNOV", successfully apply for Mox Credit Card via MoneyHero and spend HK$15,000 within 60 calendar days after approval to enjoy: HK$1200 Apple Gift Card OR HKTVmall e-Gift Voucher OR Wellcome Shopping Voucher

  • From 4 November 2024 12 a.m. to 29 November 2024 6 p.m.: New Mox customers who successfully apply for Mox Credit Card via MoneyHero
  • Within 14 days of after receiving the successful application email from Mox when your Mox Credit Card approved: Submit the reward redemption form sent via email previously
  • The Mox Credit Card must be approved by Mox within 30 days after opening the Mox Bank Account, subject to the Bank’s system records
  • Tips:
    • Successfully open the Mox Bank Account as well as Mox Credit Card and accumulate spending of HK$15,000 within 60 calendar days after approval to receive an email with application reference number (7 or 9 alpha-numeric digits) from Mox in 14 working days. Please submit the reward redemption form sent via email previously within 14 days of after successfully fulfilling the required spending.
    • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
    • Remember to have your cell phone and Hong Kong Identity Card ready before applying! It is recommended to submit all the required documents in one go to speed up the approval process.. After successfully fulfilling the spending requirement, you will receive an email notice with application reference number (7 or 9 alpha-numeric digits) in 14 working days. Please be reminded to enter the Invitation Code to get the application reference number, if you don't receive the email, please check your spam folder.
    • MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Mox has no relation with its redemption, usage and dispute.
    • Terms and Conditions and MHNOV Invitation Code Promotion Terms and Conditions apply.
    • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
Up to 9% Hotel Discount + Up to HK$100 Flight Discount
Mox Bank X Trip.com Promotion
Up to 9% Hotel Discount + Up to HK$100 Flight Discount

Mox Bank X Trip.com Promotion - Up to 9% exclusive hotel and flight discounts on Trip.com

Promotion Period: From now until 31 December 2024

Valid for hotel stays and flight departures: From now until 15 January 2025

  • During the promotion period, Mox customers can enjoy exclusive discount offers when booking hotels or flights via a specified page on Trip.com directed from our specified link. Simply use Mox Credit Card and enter the unique promo codes below for instant savings, earning up to 9% discount and 5.5% discount respectively, including an extra 3% CashBack
  • Offer 1: Enjoy a 6% discount on hotel bookings with promo code “MOXH” (applicable to room rates and taxes only)
  • Offer 2: Get discounts on flights with promo code “MOXF”: Get HK$50 off for orders over HK$2,000 or HK$100 off for orders over HK$4,000 (applicable to adult ticket fares only, excluding taxes and other surcharges)
  • Details HERE
iPhone 16 series clean-up and launch discount - up to HKD600 cash reward and 2% unlimited CashBack
Mox Bank iPhone for Life Offer
iPhone 16 series clean-up and launch discount - up to HKD600 cash reward and 2% unlimited CashBack

iPhone 16 Series Offer - Get up to HKD600 Cash Rewards and 2% Unlimited CashBack

Campaign period: Valid until 31 December 2024

- Offer 1: iPhone for Life: Upgrade to the latest iPhone and earn a HKD600 Cash Reward!

  • Just looking to buy the phone outright? This deal is perfect for you! From now till 31 December 2024, join iPhone for Life ² ³ to get a new iPhone 16 Pro or iPhone 16 at 1O1O Center and csl Shops! You can use ‘0% Merchant Split Purchase’⁴ to split your purchase into flexible instalments:
  • No interest and no handling fee
  • Pay with Mox Credit Card and set up a 0% Merchant Split Purchase to enjoy up to 36 months of interest-free instalments and earn HKD600 Cash Rewards upon approval
  • After the first 24 months of instalments:- Mox rewards you real cash! Earn up to 2% Unlimited CashBack⁶ anytime, anywhere!

- Offer 2:Enjoy HKD600 rebate on your month’s bill with a new device purchase and a service plan subscription/renewal

  • Ready for a new device with a service plan? From now till 31 December 2024, buy any designated device worth HKD6,000 or more at AI Store (1O1O Center / csl shop) with Mox Credit Card. Pick a 24-month or longer plan with autopay and snag HKD600 off your bill, plus up to 2% Unlimited CashBack!

- Offer 3:Enjoy HKD350 instant discount at the Club

  • From now till 31 December 2024, use Mox Credit Card to spend HKD9,500 or more on phones and accessories with promo code "MOXPHONE24" at The Club, to get a HKD350 instant discount, plus up to 2% Unlimited CashBack!

For details, click here

6,250 Asia Miles + 1,000,000 exclusive miles earned every week
New fund deposit offer and million Asia Miles lucky draw
6,250 Asia Miles + 1,000,000 exclusive miles earned every week

Mox New Customer New Fund Deposit Offer – Earn 6,250 Asia Miles

Campaign period:Valid until 31 December, 2024

  • Deposit HKD250,000 or above within 7 days after account opening
  • Maintain such balance for 60 days or above, to receive 6,250 Asia Miles

Million Asia Miles Lucky Draw – Win 1,000,000 Miles Every Week

Campaign Period :Valid until 29 December,2024

  • Mox Credit customer spend spend HKD500 or above in a single transaction during campaign period
  • You will get a chance to win a Million Asia Miles draw that week

  • For details, click here

Things to consider

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Instant onboarding

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Unlimited Instant Cashback

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Instant Cash Loan

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0% Instalment offer

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Mox Credit Benefits

Cashback

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Cashback Base Rate
1  %
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location_on
Cashback Local
2  %
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flight
Cashback Designated Local Spending
Up to 5  %
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restaurant
Cashback Dining
2  %
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shopping_cart
Cashback Supermarkets
3  %
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Cashback Convenience Store
3  %
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orders
Cashback Online Food Delivery
3  %
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shopping_bag
Cashback Overseas Online Shopping
2  %
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account_balance_wallet
Cashback Digital Wallet
1  %
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manage_search

Mox Credit More Info

With Mox Credit Credit, earn best-in-town unlimited CashBack everywhere

  • Earn 3% unlimited CashBack at supermarkets in Hong Kong (including  Donki, HKTVmall, Yata, Parknshop, Wellcome, AEON, etc.)
  • Earn 2% unlimited CashBack (with an Eligible Balance of HKD250,000 or above)! Or earn 1% unlimited CashBack if otherwise
  • Earn a total of up to 5% CashBack at selected daily merchants
  • Want to earn Asia Miles instead? You can switch your spending reward mode to “Miles”, and start earning “best-in-town” HKD4 / mile + 0% FX fees (for both overseas spending / online shopping)

Transfer flexibly with Mox Credit with no fees

  • Starting 1 May 2023, Mox Credit allows you to effortlessly manage your monthly expenses by making transfers via FPS to pay bills or send money to loved ones
  • Whether you need to transfer money to friends or family, set up designated payees to pay rent, tuition fees, or miscellaneous expenses, or purchasing goods and services, Mox Credit makes it easy for you.
  • Enjoy an interest-free period of up to 56 days with just one click and you can even set up recurring payments to stay ahead of deadlines. If you exceed your personalised transfer limit, a handling fee of up to 2% will be applied. To keep track of your threshold and fees, you can easily check your Mox app

Mox Credit - Numberless All-in-One Bank Card

  • Up to 56 days of interest-free
  • Spend with Mox Credit: Enjoy 3% Unlimited CashBack at all supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc
  • No late payment fee
  • One card for all purchases and cash withdrawal.
  • No card number, expiry date or CVV on physical card. It is to reduce the risk of losing personal information and for added security benefits.
  • Use the Mox app to lock/unlock your Mox Credit, update your daily limit, and set ATM PIN. Reduce the risk of fraud even if you lose your card.
  • Use JETCO ATMs in Hong Kong for free.

Mox Exclusive Offer

  • Discover discount offers, free gifts, unique experiences and more
  • Please visit the Mox Official Website for the list of exclusive offers

Other things to note

  • Mox Asia Miles Time Deposit Promotion Terms and Conditions and Mox Upfront Interest Time Deposit Promotion apply.
  • These Time Deposit interest rates are subject to the rates quoted by the Bank from time to time. The actual interest rate will be confirmed upon time deposit set up. Interest rates are subject to review according to changes in market conditions from time to time. The Bank reserves the right to change the interest rate offers at any time without prior notice. Before making the relevant transaction, please check on Mox app for the interest rate offers applicable to the transaction. Please note that if you request for an early withdrawal, the upfront interest will be deducted from the time deposit principal amount.
  • Earned CashBack will be deposited to your Mox Account directly. You no longer need to redeem points.
  • Perpetual annual fee waiver
  • Mox Credit terms and conditions and the Mox Credit Key Facts Statement apply.
  • “Best-in-town” refers to the comparison against 27 credit cards in Hong Kong regarding unlimited cash rebate as published on official website as of 8 March 2024.

  • 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.
  • From 3 November 2024, if you have an Eligible Balance of HKD250,000 or more a t the time you make an eligible Mox Credit Card transaction, you may earn unlimited 2% CashBack on the amount of the eligible Mox Credit Card transaction. 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 1% CashBack on the amount of eligible Mox Credit Card transaction. See the Definitions Schedule for the definition ‘Eligible Balance’.
  • From 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 Campaign Terms and Conditions applies.
  • 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 HKD4 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. From 4 November 2024 to 16 February 2025 (both dates inclusive), if you have an Eligible Balance of below HKD250,000 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 17 February 2025, if you have an Eligible Balance of below HKD250,000 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. See the Definitions Schedule for the definition ‘Eligible Balance’.
  • FX Fees refer to the Foreign Exchange Handling Fee and the Cross-Border Access Fee. 0% Foreign Currencies and Overseas Merchant Spending Fees Promotion Terms and Conditions apply (which can be found in the Mox app and/or on its website).
  • Terms and conditions apply. To borrow or not to borrow! Only borrow if you can repay!
  • Mox disclaimer applies.

Eligibility

Minimum Age
18  years old
Min. Annual Income
No Requirement

Fees

Annual Fee Waiver
Perpetual
Annual Fee
Perpetual Annual Fee Waiver
Foreign Currency Transaction Fee
1.95  %

Repayment

Minimum Payment
If your statement balance is less than HK$220, the minimum amount due will be the total statement balance. Otherwise, the minimum amount due will be the highest of the following two amounts: 1. i. 100% of interest, fees and charges; plus ii. 1% of outstanding principal; plus iii. the higher of: A. any amount exceeding your credit limit (excluding interest, fees and charges under (i)); and B. any overdue amount (as applicable, such as any overdue minimum payments); or 2. HK$220.
Late Payment Charge
No late payment fee but Finance charges (interest) will apply if you do not pay your Mox Credit statement balance in full on or before your payment due date
Retail Purchase APR
35.99  %
Cash Advance APR
35.91  %
Interest Free Period
56  Days

Association

Mastercard

Tags

Mox Credit Card (CashBack) Mox Credit Card (CashBack)