^HK$0

Min. Annual Salary

5%

CashBack on selected Merchants

56 days

interest-free repayment period

All Details

• Key Features

  • From now until 21 June 2023, new customers simply open a Mox Account with the invitation code “MOXJL”: Get a lucky draw chance for ‘FWD Insurance 10th AnniversaryｘHKT Present: JER LAU “ACROSS THE UNIVERSE” IN MY SIGHT SOLO CONCERT 2023’ tickets x2 (valued at HK$1,080 each) or 5,000 Clubpoints.

  • During the period beginning on and from your Joining Day and the following 10 days or by 21 June 2023, whichever is earlier, place a time deposit of at least HK$50,000 with us with a tenor of 6 months, and maintain such deposit before the maturity date, and you’ll be rewarded with an extra lucky draw entry plus a 3.3% p.a. savings rate on your Time Deposit!

  • Enjoy unlimited 1% CashBack by using Mox Credit for any spend

  • Enjoy 3% CashBack by using Mox Credit in designated merchants

  • Activate ‘5% CashBack Unlock’ with Split Purchase: During the promotion period, you’ll need to have an active Split Purchase of HKD5,000 or more, either with a single eligible Mox Credit transaction or combined transaction(s).  If you already have an active Split Purchase, you can enjoy an increase from 3% to 5% CashBack on your next purchase at our CashBack Merchants

  • 3%/ 5% CashBack Merchants： HKTaxi,Turkish Airlines Official Website, Emirates Official Website, NIKE Direct Stores, NIKE .COM.HK, Deliveroo, HKTVmall, Apple Services, Google Play Store, Trip.com, KKBOX, Microsoft Authorized Store, HBX, Vestiaire Collective, ZALORA, YOHO, Lane Crawford etc.

  • Mox Credit allows you to effortlessly manage your monthly expenses by making transfers via FPS to pay bills or send money to friends or family. No handling fee will be applied if within transfer limit for Mox Credit. Enjoy an interest-free period of up to 56 days

  • You can split any eligible Mox Credit transaction of HK$400 or above and you’ll receive an application response instantly. Moreover, you can split the Mox Credit transaction any time before it appears on your Mox Credit statement.

  • No minimum spend & Up to 56 days interest-free

  • No annual fee for Mox Credit. Once you open a Mox Account successfully, you can add Mox Card to Apple Pay and Google Pay to start spending immediately.

  • New customers can enjoy up to 6.2% p.a. in total (3.2% Welcome Bonus + 2.7% Mox Bonus + 0.3% Base rate)

  • 1. Welcome Bonus: New customers can enjoy 3.2% p.a. savings rate for the first 60 days if you register Mox as your default receiving bank for your FPS transfers! Together with our 0.3% p.a. base rate, you will automatically enjoy 3.5% p.a. in total (up to HK$250,000 deposits)

  • 2. Mox Bonus: By completing Mox Bonus challenges each month, you can further unlock an extra 2.7% p.a. savings rate on your next-day Hong Kong dollar savings deposit up to HK$500,000

  • 2a) Mox Bonus – Spending Challenges (1.2% p.a.): Spend at least HK$5,000 each month using your Mox Card (with Mox Credit or from your Mox Account)

  • 2b) Mox Bonus – Saving Challenges (1% p.a.): Keep HK$10,000 New Funds on a day on top of your Monthly Average Savings Balance for previous month (You can check how much deposits you should keep in total on Mox app).

  • 2c) Mox Bonus - Bill Payment Challenge (0.5% p.a.): Pay 2 bills of at least HK$100 each using ‘Pay bills’ feature, in the past 35 days (with Mox Credit or your Mox Account).

  • *All promotion quota are subject to availability and on a first come first serve basis while stocks last. Details please refer to Mox website.

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

Welcome Offers

• From now until 21 June 2023, simply open a Mox Account with the invitation code "MOXJL”: Get a lucky draw chance for JER LAU “ACROSS THE UNIVERSE” IN MY SIGHT SOLO CONCERT 2023” Tickets x 2 OR 5,000 Clubpoints

• From now until 31 July, new customers who successfully join Mox and register Mox as your default receiving bank for your FPS transfers can enjoy a Welcome Bonus of 3.2% p.a. savings rate and basic 0.3% p.a. saving rate on your savings deposits of up to HK$250,000 for the first 60 days, total 3.5% p.a. saving rate! Complete Mox Bonus in May, earn extra 3% p.a. saving rate, enjoy up to 6.5% p.a. saving rate in total!

• From now until 31 July, enjoy up to 5% Cashback when spending in designated stores!

Best Credit Cards

Annual Interest Rate and Fees

Annual Principal Fee	N/A
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Interest Free Period	Up to 56 days
Annual Interest Rate	34.69%
Foreign Currency Transaction Fee	1.95%

Minimum Income Requirements

Local Resident	N/A

Card Association

Mastercard	yes

Wireless Payment

Mastercard contactless	Yes