Mox Credit Card Comparison: Latest Offers and Rewards
Updated: 27 Jul 2026
Card | Hot Reward Pick | MoneyHero Reward | Minimum Annual Income | Card Benefit | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | Mox Credit Card (CashBack) | HK$2,800 | No Requirement | Up to7 % | $0 | ||
 | Mox Credit Card (Asia Miles) | HK$2,800 | No Requirement | $5 per mile | $0 |
Mox Credit Card (CashBack)
Promo Code:
“MOXPHONEMH” ; “MOXFLASHMH2”
Supermarket Spends (Online / Offline)
Unlimited 3 % CashBackAll Local and Overseas Spends
Up to Unlimited 2 % CashBackAnnual Fee Waiver
Perpetual Annual Fee WaiverApply through MoneyHero and choose from 3 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- iPhone Spending Offer: Up to 7% cash rebate and up to 12-mo 0% Split Purchase. First-time split purchase to get up to HK$200 extra reward — totally HK$800 cash rewards for you
- "Fastest-in-town" welcome gift redemption guarantee: 24/7 card application, instant apply instant use. Once spending requirements are met, automatically send you the gift redemption email to redeem gift, with same-day shipping available (free delivery)
- Essential for supermarket spending: 3% CashBack on all major supermarket purchases in Hong Kong with no cap, no designated spending promotion days or other conditions.
- For large purchases / as a "daily driver": Uncapped 2% CashBack on any spending (for Mox+ customers) or uncapped 1% CashBack.
- Suitable for budget-conscious shoppers / students: Up to 7% cash rebate and 0% instalment on Xiaomi store / mi.com purchases (phones, tablets, home appliances); permanent $0 annual fee.
Repayment Details
Interest Free Period: Up to 56 days
Late Payment Charge: Please refer to Mox website or Mox App for the latest details
Minimum Monthly Payment: Please refer to Mox website or Mox App for the latest details
Fees
Annual Fee: $0
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Minimum Age: 18 years old
Min. Annual Income: No Requirement
Key Features
- iPhone Spending Offer: Up to 7% cash rebate and 12-mo 0% Split Purchase at csl / 1O1O / HKT / The Club
- Register the promotion by 31 Dec, 2026, via Mox app
- Every single eligible spending transaction at csl / 1O1O / HKT / The Club of HK$6,500 - HK$1,199.99 with your Mox Credit Card to earn 3% extra rebate, or earn 5% extra rebate on HK$12,000+ single eligible spending transaction
- High reward cap: up to HK$600
- In the meantime, enjoy up to 12-mo 0% Split Purchase, and earn HK$200 extra reward if this is your first Split Purchase — totally HK$800 extra reward for you
-
Mox Credit Card = The Only Card You Need
- 3% CashBack on supermarkets: Earn 3% unlimited CashBack at major supermarkets across Hong Kong with Mox Credit (including: Don Don Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON, and more).
- 2% Unlimited CashBack on everything (Mox+ members) or 1% Unlimited CashBack on everything. "Your go-to for big purchases / must-have daily card!"
- Want to earn Asia Miles instead? Switch spending reward mode to “Asia Miles”, and start earning Unlimited Asia Miles + 0% FX fees (for both overseas spending / online shopping)
- HKT / CSL: Enjoy 0% instalments on single purchases of HK$4,500 or above; earn HK$180 service fee rebate when you set up auto-payment with Mox Credit Card after new subscription or renewal.
- The Club: HK$100 checkout discount; free priority access to grab 2026 flagship devices on launch day + 12-mo Smart Protection device protection plan.
- Trip.com: Up to 8% off hotels and flights all year round + earn up to 2% unlimited CashBack.
- Xiaomi stores / mi.com: Earn up to 7% rebates + 0% instalments.
- Emirates: Instant discount of up to HK$300 on selected flights. - Zero annual fee, forever — essential for students and savvy spenders.
- Use Mox Credit to pay bills and enjoy up to 56 days interest-free period with 0 fee, covering government, banks or credit cards, insurance, education and other institutions.
-
Powerful flexibility -- Mox Credit x FPS
-
Customers can transfer money using FPS with Mox Credit credit line.
-
Send money to friends, pay rent, settle bills or shop online from small business – then enjoy up to 56 days interest-free before you pay it back. Plus, with automatic spending categorisation, you’ll see exactly where your money goes, all in one clean view.
-
-
Pay Bills with Mox Credit
-
Use your Mox Credit to pay bills at over 900 merchants
-
Covering government, banks or credit cards, insurance, education institutions
-
Enjoy up to 56 days interest-free period and unlock extra cash flow
-
- Mox Credit Split Purchase or Split Statement
- Repayment period ranging from 3 to 60 months
- See a transparent APR that updates in real time in the Mox app
- Split any eligible transaction(s) of HK$400+
- Earn HK$200 cash reward by making an 6mo+ eligible Split Purcase of HK$5,000 or above
- Mox Card = only card that does everything
- Physical card / virtual card avalible
- Numberless card design for next-level privacy and security
- Apple Pay & Google Pay supported
- Free cash withdrawals at JETCO ATMs
- Perpetual annual fee waiver
- Mox Credit terms and conditions and the Mox Credit Key Facts Statement apply.
- 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).
- The charges for Mox Credit spending installments will be updated from time to time. For details, please refer to the Summary of Spending Installment Product Information. The actual annual interest rate of the spending installment is calculated based on the guidelines set out in the Bank’s Code of Practice. The actual annual interest rate is a reference interest rate that displays all applicable basic interest rates, fees and charges for Mox Credit purchase installments as an annualized rate.
- Please refer to the Mox Card Rewards Table for eligibility criteria to unlock the designated CashBack Rate / Asia Miles Reward Ratio. For further details, refer to the Definitions Schedule, Rewards for Cards Schedule and General Fees and Charges.
- Terms and Conditions apply
- You must first open a Mox account to apply for Mox Credit.
- Applicants for a Mox account must be 18 years of age or older, hold a valid Hong Kong Identity Card, and have a valid Hong Kong residential address and postal address.
- Mox Disclaimer applies.
- To borrow or not to borrow? Borrow if you can repay!
Mox Credit Card (Asia Miles)
Promo Code:
“MOXPHONEMH” ; “MOXFLASHMH2”
Unlimited mileage rebates on spending
as low as $ 5 per mileOverseas transaction fee
0 %Interest Free Period
Up to 56 daysApply through MoneyHero and choose from 3 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Enjoy 1.95% FX Fee waiver on all transactions worldwide (online / offline), save effortlessly on overseas trips and online purchases.
- Mox+ customers can unlock unlimited HKD5 = 1 Mile Asia Miles plus 0 FX fee on all credit card spending. Instant switching between reward schemes anytime with only one click anytime and anywhere, with switch fee waived.
- Miles are automatically credited to your Cathay Membership Account daily. Earn faster and fly sooner!
- Permanent 0 annual fee — a must-have for students and budget-conscious individuals
- 24/7 instant apply instant use (Apple Pay / Google Pay)
- 0% FX Fees
Repayment Details
Interest Free Period: Up to 56 days
Late Payment Fees: Please refer to Mox website or Mox App for the latest details
Minimum Monthly Payment: Please refer to Mox website or Mox App for the latest details
Fees
Overseas transaction fee: 0 %
Annual Fee: $0
Foreign Currency Transaction Fee: 0 %
Air Miles Conversion Fee: Waived
Eligibility
Minimum Annual Income: No Requirement
Minimum Age: 18 years old
Key Features
- iPhone Spending Offer: Up to 7% cash rebate and 12-mo 0% Split Purchase at csl / 1O1O / HKT / The Club
- Register the promotion by 31 Dec, 2026, via Mox app
- Every single eligible spending transaction at csl / 1O1O / HKT / The Club of HK$6,500 - HK$1,199.99 with your Mox Credit Card to earn 3% extra rebate, or earn 5% extra rebate on HK$12,000+ single eligible spending transaction
- High reward cap: up to HK$600
- In the meantime, enjoy up to 12-mo 0% Split Purchase, and earn HK$200 extra reward if this is your first Split Purchase — totally HK$800 extra reward for you
-
Mox Credit Card = The Only Card You Need
- Enjoy 1.95% FX Fee waiver on all transactions worldwide (online / offline), save effortlessly on overseas trips and online purchases.
- Limited time: Get 1 Asia Mile for every HKD5 on all purchases in any categories by switching your payroll to Mox with a monthly amount of HK$25,000 or more.
- Miles are automatically credited to your Cathay Membership Account daily. Earn faster and fly sooner!
- You can switch to “CashBack” anytime, earning up to 2% Unlimited CashBack everywhere you spend, or 3% Unlimited CashBack at major supermarkets across Hong Kong – no category limits, no confusing math, just pure rewards on everyday living.
- HKT / CSL: Enjoy 0% instalments on single purchases of HK$4,500 or above; earn HK$180 service fee rebate when you set up auto-payment with Mox Credit Card after new subscription or renewal.
- The Club: HK$100 checkout discount; free priority access to grab 2026 flagship devices on launch day + 12-mo Smart Protection device protection plan.
- Trip.com: Up to 8% off hotels and flights all year round + earn up to 2% unlimited CashBack.
- Xiaomi stores / mi.com: Earn up to 7% rebates + 0% instalments.
- Emirates: Instant discount of up to HK$300 on selected flights. - Zero annual fee, forever — essential for students and savvy spenders.
- Use Mox Credit to pay bills and enjoy up to 56 days interest-free period with 0 fee, covering government, banks or credit cards, insurance, education and other institutions.
-
Powerful flexibility -- Mox Credit x FPS
-
Customers can transfer money using FPS with Mox Credit credit line.
-
Send money to friends, pay rent, settle bills or shop online from small business – then enjoy up to 56 days interest-free before you pay it back. Plus, with automatic spending categorisation, you’ll see exactly where your money goes, all in one clean view.
-
-
Pay Bills with Mox Credit
-
Use your Mox Credit to pay bills at over 900 merchants
-
Covering government, banks or credit cards, insurance, education institutions
-
Enjoy up to 56 days interest-free period and unlock extra cash flow
-
- Mox Credit Split Purchase or Split Statement
- Repayment period ranging from 3 to 60 months
- See a transparent APR that updates in real time in the Mox app
- Split any eligible transaction(s) of HK$400+
- Earn HK$200 cash reward by making an 6mo+ eligible Split Purcase of HK$5,000 or above
- Mox Card = only card that does everything
- Physical card / virtual card avalible
- Numberless card design for next-level privacy and security
- Apple Pay & Google Pay supported
- Free cash withdrawals at JETCO ATMs
- Perpetual annual fee waiver
- Mox Credit terms and conditions and the Mox Credit Key Facts Statement apply.
- 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).
- The charges for Mox Credit spending installments will be updated from time to time. For details, please refer to the Summary of Spending Installment Product Information. The actual annual interest rate of the spending installment is calculated based on the guidelines set out in the Bank’s Code of Practice. The actual annual interest rate is a reference interest rate that displays all applicable basic interest rates, fees and charges for Mox Credit purchase installments as an annualized rate.
- Please refer to the Mox Card Rewards Table for eligibility criteria to unlock the designated CashBack Rate / Asia Miles Reward Ratio. For further details, refer to the Definitions Schedule, Rewards for Cards Schedule and General Fees and Charges.
- Terms and Conditions apply
- You must first open a Mox account to apply for Mox Credit.
- Applicants for a Mox account must be 18 years of age or older, hold a valid Hong Kong Identity Card, and have a valid Hong Kong residential address and postal address.
- Mox Disclaimer applies.
- To borrow or not to borrow? Borrow if you can repay!