X Cash.AI by X Wallet
Apply through MoneySmart and redeem for any of these:
Product Carousel
MoneySmart Exclusive
Regardless of approval - HK$1,400 Apple Store Gift Card
Regardless of approval - HK$1,400 Apple Store Gift Card
MoneySmart Exclusive
Regardless of approval - HK$1,500 HKTVmall e-Voucher
Regardless of approval - HK$1,500 HKTVmall e-Voucher
MoneySmart Exclusive
Regardless of approval - HK$1,500 Parknshop e-Voucher
Regardless of approval - HK$1,500 Parknshop e-Voucher
MoneySmart Exclusive
Regardless of approval - HK$1,500 Trip.com e-voucher
Regardless of approval - HK$1,500 Trip.com e-voucher
MoneySmart Exclusive
Regardless of approval - Philips 3000 Series Lightweight Cordless Vacuum (XC3031/61) (Value: HK$3,498, random color)
Regardless of approval - Philips 3000 Series Lightweight Cordless Vacuum (XC3031/61) (Value: HK$3,498, random color)
MoneySmart Exclusive
Regardless of approval - Momax Ultra-Air Plus IoT UV Hot & Cool Purifying Fan (AP7S) (Value: HK$2,680, random color)
Regardless of approval - Momax Ultra-Air Plus IoT UV Hot & Cool Purifying Fan (AP7S) (Value: HK$2,680, random color)
MoneySmart Exclusive
Regardless of approval - PHILIPS RO Water Dispenser ADD6901/90 (Value: HK$1,998, random color)
Regardless of approval - PHILIPS RO Water Dispenser ADD6901/90 (Value: HK$1,998, random color)
[Limited Time] Get HK$1,500 voucher regardless of approval 💜
From 1 August to 21 August 2026, apply for X Wallet X Cash.AI via MoneySmart and enter promo code「MS8000」to enjoy rewards worth up to total HK$11,498 🏆
⠀⠀
1️⃣ Regardless of approval, receive MoneySmart exclusive reward:
・HK$1,500 Parknshop e-Voucher / Trip.com e-voucher / HKTVmall e-Voucher; or
・HK$1,400 Apple Store Gift Card; or
・Philips 3000 Series Lightweight Cordless Vacuum (XC3031/61) (Value: HK$3,498, random color); or
・Momax Ultra-Air Plus IoT UV Hot & Cool Purifying Fan (AP7S) (Value: HK$2,680, random color); or
・PHILIPS RO Water Dispenser ADD6901/90 (Value: HK$1,998, random color)
⠀⠀
2️⃣ Successfully drawing down designated loan amount, and meeting specified conditions, can receive:
・ HK$20,000 - HK$168,000 - HK$2,700 cash rebate*
・ HK$168,001 or above - HK$8,000 cash rebate*
Valid till 21 Aug 2026
ARE YOU ELIGIBLE?
Regardless of approval - HK$1,500 e-Gift Voucher / HK$3,498 brand new reward 🎁
From 1 August to 21 August 2026, new customers who enter the promo code "MS8000" to apply for X Cash.AI via MoneySmart for the first time, are entitled to:
・HK$1,500 Parknshop e-Voucher / Trip.com e-voucher / HKTVmall e-Voucher or
・HK$1,400 Apple Store Gift Card; or
・Philips 3000 Series Lightweight Cordless Vacuum (XC3031/61) (Value: HK$3,498, random color) or
・Momax Ultra-Air Plus IoT UV Hot & Cool Purifying Fan (AP7S) (Value: HK$2,680, random color) or
・PHILIPS RO Water Dispenser ADD6901/90 (Value: HK$1,998, random color)
⠀⠀
(Fulfilled by MoneySmart, qualified customers please complete and submit the redemption form after logging in to MoneySmart on or before 7 September, 2026)From 1 August to 31 August 2026, new customers who enter the promo code "MS8000" to apply for X Cash.AI for the first time and meet the specified conditions, drawdown designated loan size and meeting specified conditions, can receive cash rebate (fulfilled by X Wallet)
・HK$2,700 cash rebate* upon successfully drawing down HK$20,000 - HK$168,000, and maintain a daily loan balance of $20,000 or above within 120 days after drawdown.
・HK$8,000 cash rebate* upon successfully drawing down HK$168,001 or above, and maintain a daily loan balance of $168,001 or above within 120 days after drawdown.
⠀⠀*During the promotion period, new customers who apply for the first time, enter promo code "MS8000" during the application process and successfully drawdown designated loan size, can enjoy cash rebate from X Wallet. Terms and conditions applied.
“New customer” refers to those who are NOT holding X Wallet account in past 12 months from the date of confirming the loan contract.
X Wallet reserves its absolute right on any loan approval decision, rewards issuance decision or any disputes.
Loan Details
- “New customer” refers to those who are NOT holding X Wallet account in past 12 months from the date of confirming the loan contract.
- Within 120 days from the loan contract confirmation date, the account must remain in a normal and active state (accounts with overdue repayments, bad debts, etc., will be considered abnormal) and the daily loan balance must be maintained at a specified amount to qualify for the Cash Rebate offered by X Wallet.
- Flexible loan amount (As low as HK$1,000; Maximum loan size: HK$180,000)
- 5s instant approval, using A.I. technology for data analysis, the approval result will be issued in seconds.
- Revolving loan, there is no fixed repayment amount except for interest. The loan amount can be re-withdrawn by logging in to the APP at any time.
- Once the contract is confirmed, the loan will be 24/7 real-time FPS transferred to your bank account.
- Only the Hong Kong ID card is needed for verification in the entire loan application.
- The offer is subjected to terms and conditions, please visit the application website and X Wallet website for details. Any matter or dispute regarding the offer or the terms and conditions, X Wallet reserves the right of final decision.
- Money Lender’s Licence Number : 773/2026
- Customer Service / Complaint Hotline：2531 0333
- Warning: You have to repay your loans. Don't pay any intermediaries.
Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.