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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.
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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6 Offers Available
Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color)
MoneyHero Limited-Time Exclusive Offer
Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color)

+ 5 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 Front Opening Suitcase(Valued at HK$4280; random colour) / Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) / Nescafe Dolce Gusto Genio S Plus (Valued at HK$1,390 ; random colour) / BRUNO BOE065-PPK Multi Grill Pot (HK$1,098; random color) / HK$1,000 Apple Gift Card OR Trip.com Gift Card

    • From 21 March 2024 12 noon to 8 April 2024 6:00 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 8 May 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.
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 31 December 2024

Valid for hotel stays and flight departures: From now until 15 January 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
HK$800 Cash Reward (accumulate a trading amount of HK$50,000)
Mox Invest - Up to HK$1,000 Cash Rewards
HK$800 Cash Reward (accumulate a trading amount of HK$50,000)

+ 1 other gift options

Get up to HK$1,000 cash rewards by accumulating the target trading amount

Complete one or more of the transaction(s) below with Mox Invest from 1 Mar 2024 to 30 April 2024 and earn cash reward(s) that correspond to your trading amount

    • Buy or sell Hong Kong or U.S. stocks (including U.S. fractional shares)
    • Make a net fund transaction (the transaction amount is calculated by the balance of the accumulated fund amount purchased and the fund amount sold)
  • 1st Reward: Accumulate a trading amount of HK$10,000 and earn a HK$200 cash reward
  • 2nd Reward: Accumulate a trading amount of HK$50,000 and earn an additional HK$800 cash reward
  • The cash rewards will be credited to one of your accounts with Mox by 31 May 2024.
  • Investment involves risks.
  • Terms and Conditions Apply
  • Details HERE
    Up to 4.5% p.a.
    Welcome Offer: Up to 4.5% p.a. saving rate
    Up to 4.5% p.a.

    Welcome Offer: Up to 4.5% 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 4.5% 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)
      • MOX Invest Additional Rate: 1.5% p.a. (after investing HK$10,000 on HK/US stocks)
      • Total of 4.5% p.a.
    • Savings Base Rate Enhancement Scheme Terms and Conditions , Welcome Bonus Promotion (February – March 2024) Terms and Conditions apply. If the requirement is completed on the last day of the calendar month, you will not be credited any additional savings rate the next calendar day. Please see terms and conditions for details.
    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.
    6 Months Deliveroo Plus Silver Member + Deliveroo HK$80 Coupon
    MoneyHero x Deliveroo
    6 Months Deliveroo Plus Silver Member + Deliveroo HK$80 Coupon
    • Apply for Mox Credit using the promo code "MHMOXFEB" to enjoy 6 months Deliveroo Plus Silver Membership and HK$80 Deliveroo Coupon no matter the approval result
    • Please refer the Terms and Conditions for details

    Things to consider

    check

    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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    Mox Credit Benefits

    Cashback

    credit_card
    Cashback Base Rate
    1  %
    info
    location_on
    Cashback Local
    3  %
    info
    flight
    Cashback Overseas
    2  %
    info
    restaurant
    Cashback Dining
    2  %
    info
    shopping_cart
    Cashback Supermarket
    3  %
    info
    Cashback Convenience Store
    3  %
    info
    orders
    Cashback Online Food Delivery
    3  %
    info
    shopping_bag
    Cashback Overseas Online Shopping
    2  %
    info
    account_balance_wallet
    Cashback Digital Wallet
    1  %
    info
    manage_search

    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!
    • 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$5.56 = 1 Mile
    12-monthHK$2.5 = 1 Mile
    24-month~HK$1.47 = 1 Mile

    Choose miles as cash, enjoy up to 3.8% 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-month3.8%
    12-month3.4%
    24-month3.0%
    • upon preferential interest rate Till 31 March 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.

    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