X Cash.AI by X Wallet (Tax Season Applicable)
Apply through MoneySmart and redeem for any of these:
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MoneySmart Exclusive
Regardless of approval - HK$1,600 cash rewards (automatically converted from 16,000 SmartPoints and directly deposited into FPS account)
Regardless of approval - HK$1,600 cash rewards (automatically converted from 16,000 SmartPoints and directly deposited into FPS account)
MoneySmart Exclusive
Regardless of approval - HK$1,800 ParknShop e-Voucher
Regardless of approval - HK$1,800 ParknShop 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 (Valued: $1,998, random color)
Regardless of approval - PHILIPS RO Water Dispenser ADD6901/90 (Valued: $1,998, random color)
MoneySmart Exclusive
Regardless of approval - HK$1,600 Apple Store Gift Card
Regardless of approval - HK$1,600 Apple Store Gift Card
[Promo Code "MS18000"] Up to HK$3,498 reward regardless of approval 🏆
From 1 November to 30 November 2026, new customer apply for X Wallet X Cash.AI via MoneySmart and enter promo code "MS18000" receive following gift regardless of approval:
💰 HK$1,600 Cash (Direct FPS); or
🎟️ Up to HK$1,800 Voucher; or
🎁 Reward valued HK$3,498
✨ 24/7 Loan approval regardless of loan size
⠀⠀
Warning: You have to repay your loans. Don't pay any intermediaries.
Valid till 30 Nov 2026
ARE YOU ELIGIBLE?
Promo Code "MS18000" 💰 Regardless of Approval
From 1 November to 30 November 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$1,800 Parknshop e-Voucher / Trip.com e-voucher / HKTVmall e-Voucher or
・HK$1,600 cash reward (automatically converted by SmartPoints); or
・HK$1,600 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 December, 2026
⠀⠀Get Up to HK$18,000 Cash Rebate upon Loan Drawdown 💰
From 1 November to 30 November 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.
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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