Mox Credit

Mox Credit

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 Overseas
2  %
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Cashback Local
2  %
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Annual Fee Waiver
Perpetual
3 Offers Available
Dyson Deluxe Package (total value at HK$7,160): Dyson Hot + Cool™ Tower Fan AM09 (valued at HK$3,380) + DYSON HD15 Supersonic™ hair dryer (valued at HK$3,780) (redeemed using Mox Credit with HK$4,000)
Offer Upgrade (with the invitation code "MOXMHBUY")
Dyson Deluxe Package (total value at HK$7,160): Dyson Hot + Cool™ Tower Fan AM09 (valued at HK$3,380) + DYSON HD15 Supersonic™ hair dryer (valued at HK$3,780) (redeemed using Mox Credit with HK$4,000)

+ 4 other gift options

Offer Upgrade (Mutually exclusive form Exclusive Offer)

Open a Mox Account successfully with the invitation code "MOXMHBUY", successfully apply for Mox Credit via MoneyHero and pay HK$4,000 with Mox Credit by 30 September 2024 to redeem Dyson Deluxe Package (total value at HK$7,160): Dyson Hot + Cool™ Tower Fan AM09 (valued at HK$3,380) + DYSON HD15 Supersonic™ hair dryer (valued at HK$3,780) / Samsung Smart Phone Package (Valued at HK$6,392) / GREE 3/4HP Double Black Diamond R32 Inverter Remote Control Window Air Conditioner GWV20EG (Valued at HK$5,290) / Philips Pet Air Purifier AC3681 (Valued at HK$5,398)/ Yoho Voucher (Valued at HK$5,000).

  • From 5 July 2024 12 noon to 31 July 2024 6 p.m.: New Mox customers who successfully apply for Mox Credit via MoneyHero
  • Within 14 days of after receiving the successful application email from Mox when your Mox Credit approved: Submit the reward redemption form sent via email previously
  • The Mox Credit must be approved by Mox within 30 days after opening the Mox account, subject to the Bank’s system records
  • Samsung Smart Phone Package details:
    • Samsung s23FE (valued at $5,098)
    • ITFIT TFITEX43 Pocket-Sized Massage Gun (valued at HK$598)
    • ITFIT Universal Travel Adapter (35.5W) (valued at HK$268)
    • 20,000mAh Battery Pack (valued at HK$428)
  • Tips:
    • Please submit the reward redemption form sent via email previously within 14 days after receiving the successful application email once your Mox Credit got approval.
    • 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 opening the Mox account as well Mox Credit, you will receive an email notice with application reference number (7 or 9 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 MOXMHBUY 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
0% FX Fee at overseas merchant spending
0% FX Fee at overseas merchant spending
0% FX Fee at overseas merchant spending
  • From 4 July 2024 to 31 August 2024, register to enjoy 0% fees on all your eligible spending with Mox Credit at overseas physical merchant and online shops.
    • Open your Mox app any time from 4 July to 31 August 2024, go to "Mox Rewards” and tap "Join Now." to register.
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 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

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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Cashback Local
2  %
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flight
Cashback Overseas
2  %
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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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Cashback Overseas Online Shopping
2  %
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Cashback Digital Wallet
1  %
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Mox Credit More Info

Introducing a new way to earn CashBack from Mox Credit. All you need is Mox Credit to earn Unlimited CashBack for all your spendings all year round with no cap and no category limits

  • Enjoy 3% Unlimited CashBack at supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc.
  • Enjoy 2% Unlimited CashBack anytime, everywhere: if you keep HK$75,000 in your Mox Account to enjoy high savings rate and unlock 2% Unlimited CashBack on all your spendings! No cap and no categories limit!
  • Earn 1% Unlimited CashBack: if you are not keeping enough savings with Mox. Start earning with no limit now!

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.
  • From 4 May 2021, earn 1% Unlimited CashBack when spending with Mox Credit on eligible transactions. CashBack terms and conditions apply. See also the CashBack table in the ‘Legal documents’ section of our website for specific details of our current CashBack offers.
  • From 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 HK$75,000 in your savings accounts with Mox (excluding any balances held in your Time Deposit Account(s)) at the time you make the relevant transaction. 
  • From 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. 
  • General Terms and Conditions (in particular, see Schedule 3 to the General Terms and Conditions) and Split Purchase Cash Rewards Promotion Terms and Conditions apply.
  • Monthly Average Balance refers to the average of your HKD deposit balance on all calendar days in a calendar month.
  • Terms and conditions apply.
  • 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 Mox Credit