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.
Highlights
Benefits
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Eligibility
Fees
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Mox Credit (CashBack) Highlights

Designated Local Merchants
5  % CashBack
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All Local and Overseas Spends
2  % Unlimited CashBack
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All Supermarkets and Groceries
3  % Unlimited CashBack
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Annual Fee Waiver
Perpetual
4 Offers Available
Dyson Zone™ Noise Cancelling Headphones (valued at HK$5,980) (provided by MoneyHero)
MoneyHero Limited-Time Welcome Offer (with the invitation code "MOXMHSUMMER")
Dyson Zone™ Noise Cancelling Headphones (valued at HK$5,980) (provided by MoneyHero)

+ 6 other gift options

Open a Mox Account successfully with the invitation code "MOXMHSUMMER", successfully apply for Mox Credit Card via MoneyHero and spend HK$5,000 within 60 calendar days after approval to enjoy extra: Dyson Zone™ Noise Cancelling Headphones (valued at HK$5,980) / Delsey 30” Top-Lip Opening 4 Wheels Travel Suitcase (valued at HK$4,980, random colour) OR HK$1,500 Apple Store Gift Card OR HKTVmall e-Gift Voucher OR Trip.com Gift Card OR Wellcome Voucher OR HK$1,300 Cash Rebate (Deposited via FPS Account)

  • From 13 June 2025 6 p.m. to 3 July 2025 11:59 p.m.: New customers open Mox Account via promo code and complete the Mox Account opening process the following 15 days
  • Within 14 days of after receiving the reward redemption code email from Mox when your Mox Credit spending requirement is completed: 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$5,000 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 MOXMHSUMMER 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$200 Cash Reward (provided by Mox)
MoneyHero x Mox CashBack Exclusive Offer（with the invitation code "MOXMHSUMMER"）
HK$200 Cash Reward (provided by Mox)

Open a Mox Account successfully with the invitation code "MOXMHSUMMER", successfully opened Mox account via MoneyHero and sucessfully apply CashBack Credit Card after approval to enjoy: HK$200 Cash Reward (provided by Mox)

  • From 13 May 2025 10 a.m. to 3 July 2025 11:59 p.m.: New customers open Mox Account via promo code and complete the Mox Account opening process the following 15 days
  • The Mox CashBack Credit Card must be approved by Mox within 30 days after opening the Mox Bank Account, subject to the Bank’s system records

  • "MOXMHSUMMER" Invitation Code Promotion Terms and Conditions apply.

  • To borrow or not to borrow? Borrow only if you can repay!
Up to 5% CashBack for all spending on foodpanda
New 5% CashBack Merchant：foodpanda
Up to 5% CashBack for all spending on foodpanda
  • 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 Unlimited CashBack calculated at 2% on the amount of the eligible Mox Credit Card transaction. From 4 November 2024, 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 CashBack calculated at 1% on the amount of the eligible Mox Credit Card transaction. “Eligible Balance” means the ‘available cash balance’, any ‘cash on hold’ and any ‘cash on hold for fund(s)’ in your savings accounts with Mox. For the avoidance of doubt, any ‘cash on hold from unsettled cash’ in your Mox Invest Account or balances in your Time Deposit Account(s) will not constitute ‘Eligible Balance’.
Up to 9% exclusive hotel and flight discounts on Trip.com
Exclusive Trip.com hotel and flight offers + CashBack
Up to 9% exclusive hotel and flight discounts on Trip.com

Exclusive Trip.com hotel and flight offers + CashBack

Promotion Period: From now until 31 December 2025

Valid for hotel stays and flight departures: From now until 15 January 2026

  • 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
  • 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)
  • Rack up even more rewards after enjoying exclusive offers – get an extra 3% CashBack!

  • From 1 April until 31 May 2025, register the promotion and earn Cash Reward calculated at 3% on the amount of the eligible transaction made with Mox Credit at Selected Merchants of up to HKD150. Selected Merchants 3% Cash Reward Promotion Terms and Conditions applies.

  • Mox Credit X Trip.com Hotel and Flight Offer Terms and Conditions apply.

  • Mox Disclaimer applies.

  • To borrow or not to borrow? Borrow only if you can repay!

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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All Local and Overseas Spends
2  % Unlimited CashBack
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flight
Designated Local Merchants
5  % CashBack
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restaurant
Cashback Dining
2  %
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All Supermarkets and Groceries
3  % Unlimited CashBack
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Cashback Convenience Store
3  %
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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

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 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 Unlimited CashBack calculated at 2% 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 CashBack calculated at 1% on the amount of the eligible Mox Credit Card transaction.

  • 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.
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Mox Credit Eligibility

Eligibility

Minimum Age
18  years old
Min. Annual Income
No Requirement
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Mox Credit Fees / Repayment

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
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Mox Credit Other Info

Association

Mastercard

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

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