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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.
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Highlights

Annual Fee Waiver
Perpetual
Cashback Online Food Delivery
3  %
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Cashback Overseas
2  %
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Cashback Supermarket
3  %
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5 Offers Available
Delsey ECLIPSE SE 31
MoneyHero Limited-Time Exclusive Offer
Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour)

+ 3 other gift options

MoneyHero Limited-Time Exclusive Offer

  • Open a Mox Account successfully with the invitation code "MHMOXFEB" and successfully apply for Mox Credit via MoneyHero, you can enjoy Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280) / BRUNO BOE053 Oval Hot Plate (valued at HK$1,598) /Marshall Emberton Speaker (valued at HK$1,499) / HK$1,200 Apple Gift Card / HK$1,200 HKTVmall e-Gift Voucher

    • From 1 February 2024 12 noon to 29 February 2024 11:59 p.m.: New Mox customers who successfully apply for Mox Credit via MoneyHero with the invitation code " MHMOXFEB"
    • 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
    • On or before 31 March 2024: The Mox account and Mox Credit must be approved by Mox, subject to the Bank’s system records
  • Tips:
    • Please submit the reward redemption form sent via email previously within 14 days of after receiving the successful application email.
    • 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 submitting the application and opening the Mox account as well as Mox Credit, you will receive an email notice with application reference number (7-digits) in 14 working days. Please be reminded to enter the Invitation Code “MHMOXFEB” 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 Apply.
Up to 7% p.a.
Welcome Offer: Up to 7% p.a. saving rate
Up to 7% p.a.

Welcome Offer: Up to 7% p.a. saving rate

  • From now till 31 March 2024, new customers who open a Mox Account using the promo code "MHMOXFEB", and fund in no more than HK$3,000,000 of deposit, can enjoy up to 7% p.a. saving rate:
    • Base Rate: 1.5% p.a. (unlimited savings balances with no strings attached)
    • Welcome Bonus: 1.5% p.a. (only applicable to the first HK$3,000,000 deposit)
    • Bring in the required amount of New Funds specified in the table below by 29 February 2024. Keep these New Funds in your savings accounts (other than your Time Deposit Accounts) with Mox until 30 June 2024 to be rewarded with up to 2.5% p.a. savings rate
    • MOX Invest Additional Rate: 1.5% p.a. (after investing HK$10,000 on HK/US stocks)
    • Total of 7% p.a.
  • MHMOXFEB Invitation Code Promotion Terms and Conditions apply.
TRIP.COM Hotel Booking 9% Discount
Mox Bank X Trip.com Promotion
TRIP.COM Hotel Booking 9% Discount

+ 1 other gift options

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

Promotion Period: From now until 17 March 2024

Valid for hotel stays and flight departures: From now until 30 June 2024

  • 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
Earn as low as HK$1/mile on Dining
Mox Credit Time-limited Offer
Earn as low as HK$1/mile on Dining

Mox Credit Time-limited Offer - Limited Offer: earn as low as HK$1/mile on Dining

  • From 6 February 2024 to 3 March 2024, Simply register your Cathay Membership Account and join the promotion through the Mox app, can earn enticing mileage rewards at any physical restaurant, local or abroad when spending with Mox Credit:
    • Spend HK$3,000 at local physical restaurant: 1,000 Miles (HK$3/mile)
    • Spend HK$2,000 at abroad physical restaurant: 2,000 Miles (equal to HK$1/mile)
  • Earn any of the above rewards and get an automatic entry into our lucky draw,a round-trip ticket to Japan (up to 25,000 miles)

HK$800 Reward cash
Mox Bank Welcome Offer - up to HK$800 Cash Rewards with Mox
HK$800 Reward cash

Mox Bank Welcome Offer - up to HK$800 Cash Rewards with Mox

  • From now until 31 March 2024, open a Mox Account successfully with the invitation code "MHMOXFEB" and successfully apply for Mox Credit, you can get HK$800 Cash Rewards by making eligible spendings with at least HK$800 with Mox Credit within the first 30 days of your Mox Credit approval!
  • MHMOXFEB Invitation Code Promotion Terms and Conditions apply.

Things to consider

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Supermarket rebate

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Uber/ Taxi offer

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Food delivery

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Unlimited rebate

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Benefits

Cashback

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Cashback Base Rate
1  %
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Cashback Local
3  %
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flight
Cashback Overseas
2  %
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restaurant
Cashback Dining
2  %
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shopping_cart
Cashback Supermarket
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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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!
  • 3% CashBack at selected CashBack Merchants: spend with Mox Credit to earn 3% CashBack at selected Cashback Merchants, such as 7-11, Mannings, Watsons, Circle K, Deliveroo, HKTaxi, Uber, Trip.com, selected merchants under HKT and more! (cap HK$1,800 cash reward during the promotion period)

First in Hong Kong! Earn interest upfront with cash or miles!

  • Interest earnings are credited to you right away – and you can choose to receive interest in either cash or Asia Miles!
  • Mox pays your interest the exact moment of your deposit and lets you choose to earn cash or miles. Earn interest upfront with cash or miles? It’s up to you.

Choose miles as interest, enjoy as low as $1.47 for 1 mile by placing a Time Deposit with New Funds

  • No waiting: The moment you save, not only you will transparently see how many miles you can earn, you’ll also get them upfront instantly.
  • Easy to earn: Save and earn. It’s that simple. Why spend over months to earn the miles you need and wait for them coming into your account?
  • Low barrier: You can earn miles even if you save with a small budget, which is a perfect choice for you if you’re just missing a few more miles for your next trip.
TenorAsia Miles Time Deposite Rate
6-monthHK$5 = 1 Mile
12-monthHK$2.5 = 1 Mile
24-month~HK$1.47 = 1 Mile

Choose miles as cash, enjoy up to 3.9% p.a. Interest

  • For Time Deposits with tenors of 6-months or above with New Fund, interest is even credited right away!
TenorPreferential interest rate (p.a.)
6-month3.9%
12-month3.2%
24-month3.0%
  • upon preferential interest rate Till 29 February 2024

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

  • 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. 
  • Earn up to HK$1,800 CashBack calculated at 3% on the eligible transaction made with Mox Credit at selected CashBack Merchants.
  • 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.
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Eligibility

Eligibility

Minimum Age
18  years old
Min. Annual Income
No Requirement
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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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Others

Association

Mastercard

Tags

Mox Credit Mox Credit