Mox Credit
Last Updated: May 2022
No Requirement
Min. Annual Income
1
%
Overseas Spending - Cashback Rate
1
%
Local Spending - Cashback Rate
5% Cashback at selected merchants and 1% unlimited CaschBack everywhere else
Up to 56 days of interest-free; no late payment fee
Annual Fee Waiver

Great for

  • Mox Credit HK$500 Account Opening Cash Reward

    • From now till 31 May 2022, open a Mox Account for the first time with the invitation code "GOMOX" and spend HK$500 on Mox Credit from your Mox Account opening date and the following 30 days
  • Mox Credit - Numberless All-in-One Bank Card

    • Up to 56 days of interest-free
    • 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.
  • Earn 5% CashBack when you spend at selected merchants with Mox Credit

    • From now till 30 June 2022, earn 5% CashBack when you spend with Mox Credit on eligible transactions at selected merchants, up to HK$100.
    • From now till 30 June 2022, earn 3% CashBack when you spend with Mox Credit on eligible transactions at selected merchants, up to HK$50.
    • Enjoy 1% Unlimited CashBack when you spend at all other merchants. No limit on 1% CashBack, and CashBack is credited to Mox account directly.
  • Mox Bonus up to 1.3% p.a. Additional HKD Savings Rate until 31 May 2022

    • New customers earn up to 1.3% p.a. deposit rate until 31 May 2022
    • Mox existing and new customers enjoy a 0.3% p.a. HKD base savings rate on up to HK$250,000
    • Mox new customer enjoys a 0.3% p.a. additional HKD savings rate on up to HK$250,000 for 60 calendar days (on a rolling basis) if the customer successfully onboards during the promotion period
    • Mox customers enjoy a total of 0.5% p.a. additional HKD savings rate by finishing
      • Mox Bonus Spending Challenge: by spending HK$3,000 each month using a Mox Card (with Mox Credit or from your Mox Account
      • Mox Bonus Deposit Challenge: by keeping a total deposit balance of HK$50,000 or more in HKD accounts with Mox
    • Mox Bonus Bill Payment Challenge: Mox customers enjoy a 0.2% p.a. additional HKD savings rate by making 3 bill payments with a Mox Card (with Mox Credit or your Mox Account)
  • Mox Credit Split Purchase HK$100 Rebate

    • During the promotion period, earn HK$100 Cash Rewards for your first time using ‘Split Purchase’ on a transaction over HK$5,000
    • Cost a handling fee of HK$5 to split any eligible Mox Credit transaction of HK$400 up to HK$4,000, over 3 months
  • Earned CashBack will be deposited to your Mox Account directly. You no longer need to redeem points.
  • Perpetual annual fee waiver

Need to know

  • Mox Credit terms and conditions and the Mox Credit Key Facts Statement apply.
  • From 1 May 2022 to 30 June 2022, earn up to HK$100 CashBack when spending on eligible transactions with Mox Credit at selected 5% CashBack Merchants; and earn up to HK$50 CashBack when spending on eligible transactions with Mox Credit at selected 3% CashBack Merchants. 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 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.
  • Welcome Bonus 0.3% p.a. Additional HKD Savings Rate Promotion: not applicable for in-progress applications.
  • Mox Credit Split Purchase HK$100 Rebate: Only applicable to split offer customers who never book loan or split purchase.
  • The fees on Split purchase will be reviewed from time to time and you can refer to the Split Purchase Key Facts Statement for details. The APR is calculated based on the guidelines as set out in the Code of Banking Practice. An APR is a reference rate which includes all applicable basic interest rates, fees and charges of a product expressed as an annualised rate.
  • You are required to set up Mox Account before applying for Mox Credit.
    • To set up Mox Account, you must be aged 18 or above and hold a valid Hong Kong identity card. You must have a valid Hong Kong residential and mailing address.
  • Mox disclaimer applies.

Year-round rewards

CASH REBATE
Local Spending
1%
Overseas Spending
1%
Supermarket Spending
1%
Digital Wallet Spending
1%

Eligibility

Minimum Age
18 years old
Min. Annual Income
No requirement

Fees

Annual fee
Perpetual Annual Fee Waiver
Foreign Currency Transaction Fee
1.95%
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
Minimum Payment Due or HK$220, whichever is lower
Retail Purchase APR
34.69%
Cash Advance APR
37.68%
Interest Free Repayment Period
56 days

Other information

Credit card type
Mastercard

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