X Cash.AI by X Wallet (promo code MS18000)
Apply through MoneySmart and redeem for any of these:
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MoneySmart Exclusive
Regardless of approval - HK$1,400 Apple Store Gift Card + extra HK$200 Apple Store Gift Card
Regardless of approval - HK$1,400 Apple Store Gift Card + extra HK$200 Apple Store Gift Card
MoneySmart Exclusive
Regardless of approval - HK$1,500 Parknshop e-Voucher + extra HK$200 Apple Store Gift Card
Regardless of approval - HK$1,500 Parknshop e-Voucher + extra HK$200 Apple Store Gift Card
MoneySmart Exclusive
Regardless of approval - Philips 3000 Series Lightweight Cordless Vacuum (XC3031/61) (Value: HK$3,498, random color) + extra HK$200 Apple Store Gift Card
Regardless of approval - Philips 3000 Series Lightweight Cordless Vacuum (XC3031/61) (Value: HK$3,498, random color) + extra HK$200 Apple Store Gift Card
MoneySmart Exclusive
Regardless of approval - Momax Ultra-Air Plus IoT UV Hot & Cool Purifying Fan (AP7S) (Value: HK$2,680, random color) + extra HK$200 Apple Store Gift Card
Regardless of approval - Momax Ultra-Air Plus IoT UV Hot & Cool Purifying Fan (AP7S) (Value: HK$2,680, random color) + extra HK$200 Apple Store Gift Card
MoneySmart Exclusive
Regardless of approval - PHILIPS RO Water Dispenser ADD6901/90 (Value: HK$1,998, random color) + extra HK$200 Apple Store Gift Card
Regardless of approval - PHILIPS RO Water Dispenser ADD6901/90 (Value: HK$1,998, random color) + extra HK$200 Apple Store Gift Card
[Limited Time] Get HK$1,500 voucher / HK$3,498 reward + extra HK$200 Apple Store Gift Card regardless of approval 🍎
From 1 October to 11 October 2026, new customer apply for X Wallet X Cash.AI via MoneySmart and enter promo code "MS18000" to enjoy HK$1,500 voucher / HK$3,498 reward +HK$200 Apple Store Gift Card regardless of approval 🍏 Total rewards worth up to HK$21,698 🏆
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【📱Phone First, Work Later: HK$100K+ Worth of Prizes Up for Grabs🔥 X Wallet Bonus: Score an Extra Flagship Phone!】
From 11 September to 11 October 2026, successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more!
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〖🏁X Wallet Customer Exclusive〗
Apply for X Cash.AI by X Wallet with promo code「MS18000」 and achieve the highest score among X Walle eligible participants to win an extra 🏆 iPhone 18 Pro Max 256 GB! If you also top the overall leaderboard, you could take home up to 2 new smartphones!
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Visit the campaign page for details. T&Cs apply.
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Warning: You have to repay your loans. Don't pay any intermediaries.
Valid till 11 Oct 2026
ARE YOU ELIGIBLE?
Regardless of approval - HK$1,500 e-Gift Voucher / HK$3,498 brand new reward 🎁
From 1 October to 11 October 2026, new customers who enter the promo code "MS18000" 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)
(Extra HK$200 Apple Store Gift Card regardless of gift choice)
Fulfilled by MoneySmart, qualified customers please complete and submit the redemption form after logging in to MoneySmart on or before 7 November, 2026
⠀⠀Get Up to HK$18,000 Cash Rebate upon Loan Drawdown 💰
From 1 October to 11 October 2026, new customers who enter the promo code "MS18000" 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$200,000, and maintain a daily loan balance of $20,000 or above within 120 days after drawdown.
・HK$18,000 cash rebate* upon successfully drawing down HK$200,001 or above, and maintain a daily loan balance of $200,001 or above within 120 days after drawdown.
⠀⠀*New customers must successfully confirm the loan contract with designated loan size within the promotion period after entering the promo code “MS18000” during the application process. To be eligible for the cash rebates, their accounts must maintain active status (any overdue payments, bad debts, freezes, etc., will be considered as not active). Terms and conditions applied.
“New customer” refers to those who has not held or applied for any X Wallet loan products in the past 12 months.
X Wallet reserves its absolute right on any loan approval decision, rewards issuance decision or any disputes.
WHAT YOU NEED TO KNOW
【📱Phone First, Work Later: Let the Top Scorers Get the Phone First!】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), customers who successfully apply for any designated product via MoneySmart (including credit cards, loans, investment accounts and travel insurance) with the eligibility requirements fulfilled, join the Mini Game on the campaign page, and submit your result in the reward redemption form. Top 100 Eligible Participants with the highest scores will stand a chance to win iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4 and Apple Store Gift Cards!
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【Campaign and Score Submission Rules】
・Submission Deadline: Eligible Customers must submit the claim form on or before 24 October 2026, along with a valid screenshot of their Mini Game score.
・More Applications, More Chances: For each successful application of a designated product, you may submit one form and one Mini Game score. You may replay the Mini Game an unlimited number of times to refresh your best score, and upload your most satisfactory score screenshot when submitting the form.
・Scores Cannot Be Reused: Each Mini Game score screenshot can only be used for single claim form; the same score record must not be reused.
・Results Announcement: The winner list will be announced on MoneySmart's social media page on 12 February 2027.
・Terms and Conditions: Please refer to the campaign page for details. Offer is subject to terms and conditions.
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$300,000)
- 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.
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