Information Density: Mox by Standard Chartered – Signal Evidence & AI Readability

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[IMG: Homepage KV]
[H2] 750,000+ customers* in just 6 years140+ prestigious accolades won
[IMG: 750,000+ customers* in just 6 years<br/>140+ prestigious accolades won]
[IMG: 750,000+ customers* in just 6 years<br/>140+ prestigious accolades won]
Ranked #1 among digital banks in Hong Kong by The BankerThe Best Mobile Application for Digital Bank by the Ediest Brand Awards 2026Top rated^ digital banking app for Hong Kong in Apple App Store
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Protect yourself from bogus phone calls
Please be aware of bogus phone calls, fraudulent SMS messages, phishing websites and email purportedly from banks. Should you have any suspicion, please contact our Customer Care Team at +852 2888 8228 or report to the Police immediately. Please click here for more information.
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[H3] Promotions
[IMG: 2025]
Offers2025 "Banking Personality" Lucky Draw Promotion Result AnnouncementLearn more
[IMG: Year-round offers just for you!]
OffersYear-round offers just for you!Learn more
[IMG: Mox-exclusive Xiaomi Offer ??: Up to 7% Total Cash Rewards + 12-mo 0% Instalments ? New Customers Get Up to HKD3,400 Cash Bonus?️]
Mox CreditWelcome OfferMox-exclusive Xiaomi Offer ??: Up to 7% Total Cash Rewards + 12-mo 0% Instalments ? New Customers Get Up to HKD3,400 Cash Bonus?️Learn more
[IMG: Use code “2000MOX” to open an account and earn up to HKD2,000 cash reward plus 0-requirement access to 2% Unlimited CashBack]
Welcome OfferUse code “2000MOX” to open an account and earn up to HKD2,000 cash reward plus 0-requirement access to 2% Unlimited CashBackLearn more
[IMG: New to Mox Invest? Start strong with Triple ZERO Fees.]
InvestNew to Mox Invest? Start strong with Triple ZERO Fees.Learn more
[IMG: Use code “1500MOX” to open an account and earn up to HKD1,500 cash reward plus 0-requirement access to 2% Unlimited CashBack]
Welcome OfferUse code “1500MOX” to open an account and earn up to HKD1,500 cash reward plus 0-requirement access to 2% Unlimited CashBack Learn more
[IMG: 0% Fund Subscription Fee – all fees waived]
Invest0% Fund Subscription Fee – all fees waivedLearn more
[IMG: Goals within reach - attractive rate as low as 1.18%]
BorrowingGoals within reach - attractive rate as low as 1.18% Learn more
[IMG: Join Mox with]
Welcome OfferJoin Mox with "MOXPAYROLL" and earn up to HKD1,600Learn more
[IMG: Scratch to win big? 5 Missions = 5x The Chance to scratch & win up to reward worth HKD8,888 ?]
InvestScratch to win big? 5 Missions = 5x The Chance to scratch & win up to reward worth HKD8,888 ?Learn more
[IMG: Mox x csl]
Mox CreditWelcome OfferMox x csl "Best-in-Town" Exclusive Plan Offer: Get up to HKD1,380 Rebates on New Sign-Ups or Renewals + a Free NowTV Pass ??Learn more
[IMG: We packed you a FREE add-on coverage with our Travel Pick & Go insurance! ✈️ ?]
InsureWe packed you a FREE add-on coverage with our Travel Pick & Go insurance! ✈️ ? Learn more
[IMG: Travelling on your mind 24/7?✈️ Open Mox Account with ‘MOXTRAVEL’, spend and save to earn up to 28,500 miles!]
Welcome OfferTravelling on your mind 24/7?✈️ Open Mox Account with ‘MOXTRAVEL’, spend and save to earn up to 28,500 miles!Learn more
[IMG: Save and earn with Mox! Simply fund in and earn straight away!]
Welcome OfferSave and earn with Mox! Simply fund in and earn straight away!Learn more
[IMG: Spend & Save Double Rewards : Earn 20% cash rebate from spendings across 5 hot merchants and more from savings!]
Welcome OfferSpend & Save Double Rewards : Earn 20% cash rebate from spendings across 5 hot merchants and more from savings!Learn more
[IMG: Mox x csl exclusive offer:]
Mox CreditWelcome OfferMox x csl exclusive offer: "Best-in-Town" device plans with installments ??Learn more
[IMG: Pay your HKT bills and earn HKD1,200 cash rewards + up to 2% Unlimited CashBack]
Welcome OfferPay your HKT bills and earn HKD1,200 cash rewards + up to 2% Unlimited CashBackLearn more
[IMG: Trip.com Exclusive: Up to 8% Off + Up to 2% Unlimited CashBack all year long✈️?️]
Mox CreditTrip.com Exclusive: Up to 8% Off + Up to 2% Unlimited CashBack all year long✈️?️Learn more
[IMG: Set payroll with Mox - Top up 1.5% p.a. on savings & Unlimited 2% CashBack on Mox Credit]
Mox CreditDepositsSet payroll with Mox - Top up 1.5% p.a. on savings & Unlimited 2% CashBack on Mox CreditLearn more
[IMG: ?Mission Bonus Rate: Stack wins, stack rates – up to 3.5% p.a. on your deposit!]
Deposits?Mission Bonus Rate: Stack wins, stack rates – up to 3.5% p.a. on your deposit! Learn more
[IMG: Mox Referral Programme]
Welcome OfferMox Referral ProgrammeLearn more
[IMG: Open a Mox Account with]
Welcome OfferMox CreditOpen a Mox Account with "CLUBLINK" and enjoy fantastic rewards: worth up to HKD 1,400 rewards!Learn more
[IMG: Mox Zone is now on The Club – enjoy year-round deals]
Welcome OfferMox CreditMox Zone is now on The Club – enjoy year-round dealsLearn more
[IMG: Fly farther with Mox Asia Miles Time Deposit]
DepositsAsia MilesFly farther with Mox Asia Miles Time DepositLearn more
[IMG: Unmatched flexibility and competitive rates with FlexiBoost savings?]
DepositsUnmatched flexibility and competitive rates with FlexiBoost savings?Learn more
[IMG: New FX users get up to HKD175 cash rewards]
FX Savings / RemitNew FX users get up to HKD175 cash rewardsLearn more
[IMG: Unlock your next journey with Mox Credit Card✈️ Unlimited miles + 0 Limits + 0% FX Fees]
Mox CreditUnlock your next journey with Mox Credit Card✈️ Unlimited miles + 0 Limits + 0% FX FeesLearn more
[IMG: Best in town! Enjoy Unlimited CashBack with Mox Credit Card!]
Mox CreditBest in town! Enjoy Unlimited CashBack with Mox Credit Card!Learn more
[IMG: Get up to HKD1,700 when you join Mox with “MOXTRIP25” – plus up to 2% CashBack on Trip.com bookings!]
Mox CreditWelcome OfferGet up to HKD1,700 when you join Mox with “MOXTRIP25” – plus up to 2% CashBack on Trip.com bookings! Learn more
[IMG: Shop at HKT to get HKD1,400 Cash Rewards!]
Welcome OfferMox CreditShop at HKT to get HKD1,400 Cash Rewards!Learn more
[IMG: Say goodbye to waiting and hello to instant earnings!]
DepositsSay goodbye to waiting and hello to instant earnings!Learn more
[IMG: 0% interest* Instant Clear]
Borrowing0% interest* Instant ClearLearn more
[IMG: 2025 Hong Kong People’s Favorite Travel Destination Guess & Win Lucky Draw Promotion Result Announcement]
Offers2025 Hong Kong People’s Favorite Travel Destination Guess & Win Lucky Draw Promotion Result AnnouncementLearn more
[IMG: 2025]
Offers2025 "Banking Personality" Lucky Draw Promotion Result AnnouncementLearn more
[IMG: Year-round offers just for you!]
OffersYear-round offers just for you!Learn more
[IMG: Mox-exclusive Xiaomi Offer ??: Up to 7% Total Cash Rewards + 12-mo 0% Instalments ? New Customers Get Up to HKD3,400 Cash Bonus?️]
Mox CreditWelcome OfferMox-exclusive Xiaomi Offer ??: Up to 7% Total Cash Rewards + 12-mo 0% Instalments ? New Customers Get Up to HKD3,400 Cash Bonus?️Learn more
[IMG: Use code “2000MOX” to open an account and earn up to HKD2,000 cash reward plus 0-requirement access to 2% Unlimited CashBack]
Welcome OfferUse code “2000MOX” to open an account and earn up to HKD2,000 cash reward plus 0-requirement access to 2% Unlimited CashBackLearn more
[IMG: New to Mox Invest? Start strong with Triple ZERO Fees.]
InvestNew to Mox Invest? Start strong with Triple ZERO Fees.Learn more
[IMG: Use code “1500MOX” to open an account and earn up to HKD1,500 cash reward plus 0-requirement access to 2% Unlimited CashBack]
Welcome OfferUse code “1500MOX” to open an account and earn up to HKD1,500 cash reward plus 0-requirement access to 2% Unlimited CashBack Learn more
[IMG: 0% Fund Subscription Fee – all fees waived]
Invest0% Fund Subscription Fee – all fees waivedLearn more
[IMG: Goals within reach - attractive rate as low as 1.18%]
BorrowingGoals within reach - attractive rate as low as 1.18% Learn more
[IMG: Join Mox with]
Welcome OfferJoin Mox with "MOXPAYROLL" and earn up to HKD1,600Learn more
[IMG: Scratch to win big? 5 Missions = 5x The Chance to scratch & win up to reward worth HKD8,888 ?]
InvestScratch to win big? 5 Missions = 5x The Chance to scratch & win up to reward worth HKD8,888 ?Learn more
[IMG: Mox x csl]
Mox CreditWelcome OfferMox x csl "Best-in-Town" Exclusive Plan Offer: Get up to HKD1,380 Rebates on New Sign-Ups or Renewals + a Free NowTV Pass ??Learn more
[IMG: We packed you a FREE add-on coverage with our Travel Pick & Go insurance! ✈️ ?]
InsureWe packed you a FREE add-on coverage with our Travel Pick & Go insurance! ✈️ ? Learn more
[IMG: Travelling on your mind 24/7?✈️ Open Mox Account with ‘MOXTRAVEL’, spend and save to earn up to 28,500 miles!]
Welcome OfferTravelling on your mind 24/7?✈️ Open Mox Account with ‘MOXTRAVEL’, spend and save to earn up to 28,500 miles!Learn more
[IMG: Save and earn with Mox! Simply fund in and earn straight away!]
Welcome OfferSave and earn with Mox! Simply fund in and earn straight away!Learn more
[IMG: Spend & Save Double Rewards : Earn 20% cash rebate from spendings across 5 hot merchants and more from savings!]
Welcome OfferSpend & Save Double Rewards : Earn 20% cash rebate from spendings across 5 hot merchants and more from savings!Learn more
[IMG: Mox x csl exclusive offer:]
Mox CreditWelcome OfferMox x csl exclusive offer: "Best-in-Town" device plans with installments ??Learn more
[IMG: Pay your HKT bills and earn HKD1,200 cash rewards + up to 2% Unlimited CashBack]
Welcome OfferPay your HKT bills and earn HKD1,200 cash rewards + up to 2% Unlimited CashBackLearn more
[IMG: Trip.com Exclusive: Up to 8% Off + Up to 2% Unlimited CashBack all year long✈️?️]
Mox CreditTrip.com Exclusive: Up to 8% Off + Up to 2% Unlimited CashBack all year long✈️?️Learn more
[IMG: Set payroll with Mox - Top up 1.5% p.a. on savings & Unlimited 2% CashBack on Mox Credit]
Mox CreditDepositsSet payroll with Mox - Top up 1.5% p.a. on savings & Unlimited 2% CashBack on Mox CreditLearn more
[IMG: ?Mission Bonus Rate: Stack wins, stack rates – up to 3.5% p.a. on your deposit!]
Deposits?Mission Bonus Rate: Stack wins, stack rates – up to 3.5% p.a. on your deposit! Learn more
[IMG: Mox Referral Programme]
Welcome OfferMox Referral ProgrammeLearn more
[IMG: Open a Mox Account with]
Welcome OfferMox CreditOpen a Mox Account with "CLUBLINK" and enjoy fantastic rewards: worth up to HKD 1,400 rewards!Learn more
[IMG: Mox Zone is now on The Club – enjoy year-round deals]
Welcome OfferMox CreditMox Zone is now on The Club – enjoy year-round dealsLearn more
[IMG: Fly farther with Mox Asia Miles Time Deposit]
DepositsAsia MilesFly farther with Mox Asia Miles Time DepositLearn more
[IMG: Unmatched flexibility and competitive rates with FlexiBoost savings?]
DepositsUnmatched flexibility and competitive rates with FlexiBoost savings?Learn more
[IMG: New FX users get up to HKD175 cash rewards]
FX Savings / RemitNew FX users get up to HKD175 cash rewardsLearn more
[IMG: Unlock your next journey with Mox Credit Card✈️ Unlimited miles + 0 Limits + 0% FX Fees]
Mox CreditUnlock your next journey with Mox Credit Card✈️ Unlimited miles + 0 Limits + 0% FX FeesLearn more
[IMG: Best in town! Enjoy Unlimited CashBack with Mox Credit Card!]
Mox CreditBest in town! Enjoy Unlimited CashBack with Mox Credit Card!Learn more
[IMG: Get up to HKD1,700 when you join Mox with “MOXTRIP25” – plus up to 2% CashBack on Trip.com bookings!]
Mox CreditWelcome OfferGet up to HKD1,700 when you join Mox with “MOXTRIP25” – plus up to 2% CashBack on Trip.com bookings! Learn more
[IMG: Shop at HKT to get HKD1,400 Cash Rewards!]
Welcome OfferMox CreditShop at HKT to get HKD1,400 Cash Rewards!Learn more
[IMG: Say goodbye to waiting and hello to instant earnings!]
DepositsSay goodbye to waiting and hello to instant earnings!Learn more
[IMG: 0% interest* Instant Clear]
Borrowing0% interest* Instant ClearLearn more
[IMG: 2025 Hong Kong People’s Favorite Travel Destination Guess & Win Lucky Draw Promotion Result Announcement]
Offers2025 Hong Kong People’s Favorite Travel Destination Guess & Win Lucky Draw Promotion Result AnnouncementLearn more
[IMG: 2025]
Offers2025 "Banking Personality" Lucky Draw Promotion Result AnnouncementLearn more
[IMG: Year-round offers just for you!]
OffersYear-round offers just for you!Learn more
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[H3] The only bank in Hong Kong that pays you cash every day
The world is changing, and your wealth game needs to keep up with the times.
With Mox, the interest on your savings is calculated and credited to your Mox Account daily – watch your savings grow faster as the interest keeps rolling in.
When you spend with Mox Credit⁵, your CashBack⁶ is also calculated instantly and credited daily to your Mox Account. What’s more, it’s the best in town 2% Unlimited CashBack – real cash, with no cap or category limits. Simply use your Mox Credit anytime, anywhere!
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[H3] Watch your money grow with Mox
With Mox as your wealth management partner, watch your money grow right before your eyes.
Mox Invest: Mox is the 1st digital bank that allows you to trade in both HK and US stocks, including fractional shares. Break free from entry barriers and invest with low fees⁷ in stocks and fund, all with the advantage of a bank.
Savings Rate: Take advantage of daily interest enjoy up to 0.5% p.a. on HKD savings. Starting 1 March 2025, for USD savings we also offer a 1% p.a. with no strings attached! Watch your savings grow every day!
Time Deposit: Mox gives you rewards for your Time Deposit instantly, right at the moment you place it. Whether you prefer cash or Asia Miles, you can earn either of them instantly with Mox!
Everything you need to make your money flourish is at the tap of a button with Mox.
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[H3] Mox Credit, better than a credit card
Saving smart is great, but don’t forget to spend smart too. With Mox Credit, you’re not only enjoying Unlimited CashBack, but Mox Credit offers more than just a credit card.
Once your credit limit is approved, you’ll unlock a realm of banking services with Mox, no extra documents or headaches required:
You can pay with Mox Credit via FPS, making daily transfers or paying bills, as easy as a breeze
After spending, split your transactions instantly by Split Purchase or Split Your Statement, and easily manage your finance
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[H3] Dream big. We’ve got your back
Besides smart money management, Mox has your back when you need extra cash for your dreams. Explore our instant solutions, available 24/7 with instant application decision – just a few clicks away:
Get extra cash with Instant Loan, money arrives in as fast as a second upon approval
With Instant Clear, clear your external credit card bills from other banks or financial institutions and save as much as 94%³?⁴?⁵ interest charges in a few minutes
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[H1] Promotions
AllInvestDepositsInsureFX Savings / RemitMox CreditWelcome OfferBorrowingAsia MilesOffers
[IMG: Mox-exclusive Xiaomi Offer ??: Up to 7% Total Cash Rewards + 12-mo 0% Instalments ? New Customers Get Up to HKD3,400 Cash Bonus?️]
Mox CreditWelcome OfferMox-exclusive Xiaomi Offer ??: Up to 7% Total Cash Rewards + 12-mo 0% Instalments ? New Customers Get Up to HKD3,400 Cash Bonus?️Shop at mi.com or any Xiaomi Store with your Mox Credit Card! Hit the required cumulative spend and unlock up to 5% extra cash rebate (capped at HKD450) plus up to 12-month 0% interest instalments. On top of that, you'll still earn our standard up to 2% Unlimited CashBack — that adds up to a total of up to 7% cash rewards!
New to Mox? Sign up with invitation code "MOXMI26" to earn worth up to HKD3,400 in cash rewards.Learn more
[IMG: Use code “2000MOX” to open an account and earn up to HKD2,000 cash reward plus 0-requirement access to 2% Unlimited CashBack]
Welcome OfferUse code “2000MOX” to open an account and earn up to HKD2,000 cash reward plus 0-requirement access to 2% Unlimited CashBackFrom now until 30 June 2026, new customers who use invitation code “2000MOX” to open a Mox account and apply for a Mox Credit Card can earn up to HKD2,000 in cash rewards by meeting spending requirements at any merchant in Hong Kong. For a limited time, unlock 2% Unlimited CashBack or Unlimited Asia Miles with no balance requirement, and start earning on every daily spend, everywhere!“2000MOX” Invitation Code Promotion Terms and Conditions apply.
To borrow or not to borrow? Borrow only if you can repay!Learn more
[IMG: New to Mox Invest? Start strong with Triple ZERO Fees.]
InvestNew to Mox Invest? Start strong with Triple ZERO Fees.For New Mox Invest customers only: Triple Zero fees. Start with 100% of what you put in. Starting 8 May, successfully open your Mox Invest account and instantly unlock 60 days of UNLIMITED zero-fee perks: 0 Stock Buy Commission, 0 Crypto Buy Commission, 0 Funds Subscription Fee.Other fees and charges continue to apply, including but not limited to the settlement fee, stamp duty, trading fee, transaction levy and trading activity fee with respect to the relevant market(s). For details, please refer to the ‘Invest Fees and Charges’ section on the Mox website.
Other fees and charges continue to apply, including but not limited to Annual Management fees, custodian fees and/or administration fees with respect to the relevant fund. For details, please refer to the respective fund offering documents.
Promotion period from 8 May 2026 to 30 June 2026. Mox Invest Triple $0 Rewards Welcome Offer Promotion Terms and Conditions apply.Learn more
[IMG: Use code “1500MOX” to open an account and earn up to HKD1,500 cash reward plus 0-requirement access to 2% Unlimited CashBack]
Welcome OfferUse code “1500MOX” to open an account and earn up to HKD1,500 cash reward plus 0-requirement access to 2% Unlimited CashBack From now until 30 June 2026, new customers who use invitation code “1500MOX” to open a Mox account and apply for a Mox Credit Card can earn up to HKD1,500 in cash rewards by meeting spending requirements at any merchant in Hong Kong. Plus, top up an additional HKD200 cash reward when you spend on electronics and electronic products! For a limited time, unlock 2% Unlimited CashBack or Unlimited Asia Miles with no balance requirement, and start earning on every daily spend, everywhere!“1500MOX” Invitation Code Promotion Terms and Conditions apply.
To borrow or not to borrow? Borrow only if you can repay!Learn more
[IMG: 0% Fund Subscription Fee – all fees waived]
Invest0% Fund Subscription Fee – all fees waivedMox Invest makes your first step simple: Enjoy 0% fund subscription fee^ on any fund purchase until 30 June 2026. Low entry as HKD100/USD100. Small to start.^Other fees and charges continue to apply, including but not limited to Annual Management fees, custodian fees and/or administration fees with respect to the relevant fund. For details, please refer to the respective fund offering documents.
Promotion period from 1 April 2026 to 30 June 2026. Funds 0% Subscription Fee promotion Terms and Conditions apply.Learn more
[IMG: Goals within reach - attractive rate as low as 1.18%]
BorrowingGoals within reach - attractive rate as low as 1.18% Get the cash you need – all at your fingertips with the Mox app from personalised quotation to instant disbursement!
From now until 31 July 2026, successfully apply for designated Instant Loan and enjoy up to HKD12,888 cash reward.Terms and Conditions applyLearn more
[IMG: Join Mox with]
Welcome OfferJoin Mox with "MOXPAYROLL" and earn up to HKD1,600Open a Mox Account with the invitation code "MOXPAYROLL" by 30 June 2026. Once your credit card is approved within the following 30 days, you earn HKD400. Accumulate eligible payroll transactions in May and June 2026 to earn HKD600 each month, totaling up to HKD1,600 in cash!This offer is only applicable to customers who have not held any Mox Account in their name at any time during the 12 months prior to the onboarding date.
“MOXPAYROLL” welcome offer promotion terms and conditions apply.Learn more
[IMG: Scratch to win big? 5 Missions = 5x The Chance to scratch & win up to reward worth HKD8,888 ?]
InvestScratch to win big? 5 Missions = 5x The Chance to scratch & win up to reward worth HKD8,888 ?During the promotional period¹, take on any of our five simple challenges and get a Mox Scratch Card. Scratch and reveal your prize instantly! Finish more to multiply your chances to win the top prize of HKD8,888 (HKD8,000 SOL(s) (Solana)^ + HKD888 cash reward)!?
*Quota is limited, first-come, first-served.Investment involves risks. 
Mox Invest Terms and Conditions apply.
¹Promotion period from 16 March 2026 to 15 June 2026. Mox Journey from Scratch Promotion Terms and Conditions apply.Learn more
[IMG: Mox x csl]
Mox CreditWelcome OfferMox x csl "Best-in-Town" Exclusive Plan Offer: Get up to HKD1,380 Rebates on New Sign-Ups or Renewals + a Free NowTV Pass ??Mox x csl proudly presents the "Best-in-Town" exclusive plan offer. Simply sign up for a new plan or renew your existing one with Mox Credit Card autopay set up, and you'll automatically enjoy an HKD180 monthly fee rebate plus a free Now TV beIN SPORTS Super Pack 1-Month Pass (valued at HKD188) — upgrading both your connectivity and entertainment in one go.Terms and Conditions apply.Learn more
[IMG: We packed you a FREE add-on coverage with our Travel Pick & Go insurance! ✈️ ?]
InsureWe packed you a FREE add-on coverage with our Travel Pick & Go insurance! ✈️ ? From 4 March to 31 May, apply Travel Pick & Go for 1 FREE add-on coverage.? It's our way to help you safeguard your trip from the financial stress that unexpected events can bring. ?Promotion period from 4 March 2026 to 31 May 2026. Travel Pick & Go Eggstra Care+ promotion (March 2026 to May 2026) Terms and Conditions apply.Learn more
[IMG: Travelling on your mind 24/7?✈️ Open Mox Account with ‘MOXTRAVEL’, spend and save to earn up to 28,500 miles!]
Welcome OfferTravelling on your mind 24/7?✈️ Open Mox Account with ‘MOXTRAVEL’, spend and save to earn up to 28,500 miles!From now until 30 June 2026, new customers who enter invitation code "MOXTRAVEL" to open a Mox account and apply for a Mox Credit Card can earn up to 28,500 miles through spending and saving — enough for a round-trip flight to Asia!“MOXTRAVEL” Invitation Code Promotion Terms and Conditions apply.
To borrow or not to borrow? Borrow only if you can repay!Learn more
[IMG: Save and earn with Mox! Simply fund in and earn straight away!]
Welcome OfferSave and earn with Mox! Simply fund in and earn straight away!From now until 30 June 2026, open a Mox Account using the invitation code "MOXDEPO". Complete your account opening within 15 days, place a Time Deposit of at least HKD250,000 within 7 days, and maintain a HKD Time Deposit Account Balance of at least HKD250,000 until the end of the Hold Fund Period to earn HKD2,500 cash rewards!
Start saving smarter. Join Mox today!This offer is only applicable to customers who have not held any Mox Account in their name at any time during the 12 months prior to the onboarding date.
“MOXDEPO” Invitation Code Promotion Terms and Conditions apply.Learn more
[IMG: Spend & Save Double Rewards : Earn 20% cash rebate from spendings across 5 hot merchants and more from savings!]
Welcome OfferSpend & Save Double Rewards : Earn 20% cash rebate from spendings across 5 hot merchants and more from savings!As a new Mox customer, simply enter invitation code "MOXSMART" when you sign up and spend on your favorite merchants include HKTVmall, foodpanda, Uber, Keeta, or Taobao to enjoy a full year of 20% CashBack, PLUS our standard up to 2% Unlimited CashBack on all spending. What's more, earn a total welcome savings rate of 12% p.a.from deposit. Make every day more rewarding!MOXSMART Invitation Code Promotion Terms and Conditions apply.
To borrow or not to borrow? Borrow only if you can repay!Learn more
[IMG: Mox x csl exclusive offer:]
Mox CreditWelcome OfferMox x csl exclusive offer: "Best-in-Town" device plans with installments ??Choice overload? As a Mox Credit Card customer, skip the comparison — you already have access to the best-in-town offer.
Mox, together with csl, presents the "Best-in-Town" device plans instalments. Enjoy 24-month 0% interest instalments* (with no hidden fees), and walk away with a phone worth up to HKD3,000 for free, or update to any other flagship phones!Terms and Conditions apply.
To borrow or not to borrow? Borrow only if you can repay!Learn more
[IMG: Pay your HKT bills and earn HKD1,200 cash rewards + up to 2% Unlimited CashBack]
Welcome OfferPay your HKT bills and earn HKD1,200 cash rewards + up to 2% Unlimited CashBackWho says paying bills is just an expense? From now until 30 June 2026, open a Mox Account with the invitation code MOXBILL26, apply for a Mox Credit Card, and pay HKT bills . You'll unlock cash rewards worth up to HKD1,200? — so while your bills get paid, the rewards keep coming in!MOXBILL26 Invitation Code Promotion Terms and Conditions apply. Quota is limited, first come, first served.Learn more
[IMG: Trip.com Exclusive: Up to 8% Off + Up to 2% Unlimited CashBack all year long✈️?️]
Mox CreditTrip.com Exclusive: Up to 8% Off + Up to 2% Unlimited CashBack all year long✈️?️Fly, stay, and earn—Mox and Trip.com make every trip more rewarding. From now until 31 December 2026, use your Mox Card to book hotels or flights on Trip.com and enjoy up to 8% exclusive discounts! Spend with Mox Credit Card can even earn you up to an extra 2% Unlimited CashBack. It’s a full year of savings designed just for you, so you can travel more and earn more!Learn more
[IMG: Set payroll with Mox - Top up 1.5% p.a. on savings & Unlimited 2% CashBack on Mox Credit]
Mox CreditDepositsSet payroll with Mox - Top up 1.5% p.a. on savings & Unlimited 2% CashBack on Mox CreditFully experience with Mox by switching your payroll today and discover the daily banking advantages we offer. Switch to Mox Payroll to unlock 1.5% p.a. bonus rate on your HKD/USD Savings Account. That’s not it, you can also enjoy unlimited 2% CashBack or unlimited Asia Miles.¹
?One simple switch delivers gains month after month.To borrow or not to borrow? Borrow only if you can repay!Learn more
[IMG: ?Mission Bonus Rate: Stack wins, stack rates – up to 3.5% p.a. on your deposit!]
Deposits?Mission Bonus Rate: Stack wins, stack rates – up to 3.5% p.a. on your deposit! Crush 4 easy missions – route payroll, invest, FX, or boost daily balance – and it’s on us to top up to 3.5% p.a. on your HKD or USD Eligible Savings Deposits. Stack any or all, bonus kicks in instantly and lasts till end of the month. Level up your savings today!Learn more
[IMG: Mox Referral Programme]
Welcome OfferMox Referral ProgrammeNew round of referral fun
Easy to share. Easy to earn.Terms and conditions apply.
To borrow or not to borrow? Borrow only if you can repay!Learn more
[IMG: Open a Mox Account with]
Welcome OfferMox CreditOpen a Mox Account with "CLUBLINK" and enjoy fantastic rewards: worth up to HKD 1,400 rewards!From now until 30 June 2026, new customers can open a Mox Account with the code "CLUBLINK", link your Mox Card to The Club account, and apply for a Mox Credit Card to earn up to HKD1,400 worth of rewards!CLUBLINK Invitation Code Promotion Terms and Conditions apply. Quota is limited, first come, first served.Learn more
[IMG: Mox Zone is now on The Club – enjoy year-round deals]
Welcome OfferMox CreditMox Zone is now on The Club – enjoy year-round dealsMox Zone has officially landed on The Club – As a Mox customer, you can now enjoy exclusive year-round discounts on 100+ popular gadgets. Plus free delivery on orders of HKD400 or more!Quota is limited, first come, first served.Learn more
[IMG: Fly farther with Mox Asia Miles Time Deposit]
DepositsAsia MilesFly farther with Mox Asia Miles Time DepositFrom now, set up a Mox Time Deposit and earn Asia Miles to travel. For example, an Asia Miles Time Deposit of HKD104,000 new fund for 12 months will earn you 26,000 Asia Miles, which is enough for a round-trip flight to Tokyo, Osaka or further destinations! Perfect for a round trip to Asia!Learn more
[IMG: Unmatched flexibility and competitive rates with FlexiBoost savings?]
DepositsUnmatched flexibility and competitive rates with FlexiBoost savings?New savings solution? With FlexiBoost, you can be confident that your interest rate won't change no matter what happens in the market. Watch your wealth grow as you earn progressively higher interest rates!?Promotion terms and conditions apply.Learn more
[IMG: New FX users get up to HKD175 cash rewards]
FX Savings / RemitNew FX users get up to HKD175 cash rewardsTrading FX, making investment or sending money overseas? Try Mox FX and earn up to HKD175 cash rewards! ?Terms and Conditions apply.Learn more
[IMG: Unlock your next journey with Mox Credit Card✈️ Unlimited miles + 0 Limits + 0% FX Fees]
Mox CreditUnlock your next journey with Mox Credit Card✈️ Unlimited miles + 0 Limits + 0% FX FeesSeamlessly earn unlimited Asia Miles on all your spending with Mox Credit Card's Miles Rewards Scheme — earn faster and fly sooner. Plus, enjoy 0% FX Fees, making every purchase count, whether at home or abroad!
Break free from traditional credit card rewards schemes. With Mox Credit Card, you can switch between CashBack and Asia Miles rewards with ease, putting you in control of how you earn.Learn more
[IMG: Best in town! Enjoy Unlimited CashBack with Mox Credit Card!]
Mox CreditBest in town! Enjoy Unlimited CashBack with Mox Credit Card!You can now earn 2% Unlimited CashBack everywhere with Mox Credit Card. What’s more? You can also earn 3% Unlimited CashBack at supermarkets in Hong Kong!
All your CashBack is in real cash, calculated instantly and credited to your Mox Account daily, start earning now!Learn mo

[H2] Goals within reach - attractive rate as low as 1.18%
Big plans or small? Instant Loan keeps you moving with simple application, fast approval, zero stress. APR goes as low as 1.18%¹ - All within Instant Loan.
[H5]
Apply now via Mox AppApply now via Mox App
[IMG: Extra financial boost: Up to HKD12,888 Cash Reward?]
[IMG: Extra financial boost: Up to HKD12,888 Cash Reward?]
[H4] Extra financial boost: Up to HKD12,888 Cash Reward?
From now until 31 July 2026, successfully apply for designated Instant Loan and enjoy up to HKD 12,888 cash reward²:

Eligible Instant Loan amount
Repayment period
Reward

HKD250,000 to HKD399,999.99
36 months or above
HKD800

HKD400,000 to HKD499,999.99
36 months or above
HKD1,000

HKD500,000 to HKD749,999.99
36 – 48 months
HKD2,000

49 months or above
HKD4,000

HKD750,000 to HKD999,999.99
36 – 48 months
HKD4,000

49 months or above
HKD8,000

HKD1,000,000 or above
36 – 48 months
HKD8,000

49 months or above
HKD12,888

Cash Reward will be credited to your Mox Account on or before 31 January 2027.
[IMG: Just need a little extra financial boost?]
[IMG: Just need a little extra financial boost?]
[H4] Just need a little extra financial boost?
Instant Loan daily interest goes as low as HKD6^, so even when unexpected expenses come your way, you can handle them with ease.
[IMG: 4 unique advantages of Instant Loan]
[IMG: 4 unique advantages of Instant Loan]
[H4] 4 unique advantages of Instant Loan
✓ Instant Quotation: View your APR in seconds through Mox App
✓ Flexible Options: Repay 3–60 months — your choice
✓ Zero Handling Fees: what you see is what you get — no extra or hidden fees
✓ Instant approval³: Get cash as fast as 1 second — straight to your Mox account upon approval
[IMG: Just 3 steps to apply and get extra cash in just 1 second upon approval]
[IMG: Just 3 steps to apply and get extra cash in just 1 second upon approval]
[H4] Just 3 steps to apply and get extra cash in just 1 second upon approval
Step 1: Open your Mox app > go to ‘More’ 
Step 2: Tap ‘Borrow’, then choose ‘Instant Loan’ 
Step 3: Follow the on-screen instructions to complete your application. That’s it! 
*New to Mox? open an account via the Mox app⁴. Once your Mox Credit Card is approved, you can apply for Instant Loan. * 
[H2] Apply Now
? +852 2888 8228
[H5]
Apply now via Mox AppApply now via Mox App
[H2] Frequently Asked Questions
What is Instant Loan? Mox Instant Loan is a personal loan, a convenient and quick way for accessing cash from your Mox Credit Card. It offers flexible repayment options, allowing you to choose a period from 3 to 60 months that best suits your financial needs.Can I apply for Instant Loan entirely online?Absolutely! We offer a fully online personal loan service. From application to disbursement, everything can be conveniently completed through our Mox app. It's the ideal choice for a fast loan. Once your application is approved, the cash will be instantly credited to your Mox Account, perfect for urgent financial needs or everyday expenses.How quick is the Instant Loan application process?Existing Mox customers can apply anytime, anywhere via the "Borrow" section in the Mox app. Simply select your desired loan amount and repayment period, then follow the on-screen instructions. Loans can be approved instantly³, making it one of the most convenient online loan options available.
New customers can follow the same process to apply for Instant Loan after successfully opening a Mox Account and getting their Mox Credit application approved. The entire process can be completed in just a few minutes.What is the Annualised Percentage Rate (APR) for Instant Loan?The Annualised Percentage Rate (APR) for Instant Loan is as low as 1.18%¹. You can use our Repayment Calculator to quickly estimate your repayment amounts.How does Instant Loan compare to personal loans offered by traditional bank?With Mox, upon successful loan application, you’ll receive the full approved amount with zero handling fees. Compared to traditional bank personal loan, our application is fully digital and disbursement is much faster. Once approved, the cash will be instantly credited to your Mox Account.What can I use Instant Loan for?Instant Loan can meet a variety of your needs, such as paying taxes, home renovations, purchasing a car, wedding expenses, starting a business, or any other plans requiring immediate cash flow. It's a flexible instalment loan for life's moments that can also serve as a cash loan when you need funds quickly.To borrow or not to borrow? Borrow only if you can repay!
Please refer to Part B (Instant Loan) of the Mox Credit Schedule (also referred to as ‘Schedule 3 to the General Terms and Conditions’) and the Instant Loan Key Facts Statement for further details.
The maximum amount of an Instant Loan depends on the status of your Mox Credit. For example, your maximum Instant Loan amount will vary depending on factors such as your available credit limit for Mox Credit.
The Annualised Percentage Rate ranges from 1.18% to 19.84%, with repayment period of 3 to 60 months.
¹For an Instant Loan with a principal amount of HKD1,000,000 with a repayment period of 6 months, the Annualised Percentage Rate (APR) is as low as 1.18% (which does not include any cash reward under the Instant Loan Cash Reward Promotion). Total repayment amount is HKD1,003,420. The APR is calculated using methods specified in relevant guidelines as set out in the Code of Banking Practice. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. The APR for an Instant Loan is subject to Mox’s final decision on a case-by-case basis and the Mox Credit account status at the time Mox receives the Instant Loan application.
²Instant Loan Cash Reward Promotion Terms and Conditions apply. For an Instant Loan with a principal amount of HKD1,000,000 with a repayment period of 60 months, the Annualised Percentage Rate (APR) is as low as 3.42% (when including the cash reward of HKD12,888, which will be credited to your Mox Account on or before 31 January 2027), while the APR excluding cash rewards of Instant Loan Cash Reward Promotion is as low as 3.95%. If you apply to top up your active Instant Loan(s), the Eligible Instant Loan Amount for the Instant Loan Cash Reward Promotion will be the Instant Loan principal amount that is on top of the outstanding principal amount of your active Instant Loan(s).
³After logging into the Mox app, loan applications completed by existing customers may be approved instantly. Instant approval is available to customers who meet our approval requirements, on case-by-case basis. The actual processing time required may differ depending on the circumstances of individual applications.
⁴You need to provide HKID for Mox Account opening and apply for Mox Credit. The approval time for Instant Loan application depends on the status of your Mox Credit. In some circumstances, we may require you to provide supporting documents by a simple submission process when you apply for Mox Credit. The approval time for Mox Credit is subject to a customer’s individual circumstances.
^For an Instant Loan of HKD100,000 split into 60 monthly instalments, the Annualised Percentage Rate (APR) is 3.95%. With interest calculated on 365 days per year, the estimated daily interest amount is HKD5.6 (rounded to the nearest whole number).

[H3] Mox Credit Card¹ All in One
[H2] One card. Every reward. Every moment.
[H2] Why juggle multiple cards just to earn miles here, cashback there, or to figure out which one to use at home or abroad?
Meet the Mox Credit Card¹. One card gives you the flexibility to switch between Asia Miles and Unlimited CashBack²˙³ whenever you like – all with powerful security and instant spending controls. Just one card to keep life (and rewards) wonderfully simple.
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[H3] 0% FX Fees. Unlimited Asia Miles. Your way.

Stack miles fast: Choose Asia Miles as your spending rewards and unlock unlimited earning potential on every purchase. From morning coffee to weekend getaways, watch your miles stack up on dining, shopping, travel bookings and subscriptions — with miles calculated instantly and credited to your Cathay Membership Account daily.

Zero limits: No caps. No restrictions. Earn as much as you spend – each dollar you spend adds miles to your balance with absolutely no limits.

Smarter overseas spend: Enjoy 0% FX fees⁴ on all overseas purchases – in store or online. Every trip, every spree and every checkout becomes a smarter way to boost your next adventure.

[H2] Prefer CashBack? Go unlimited – up to 2% everywhere you spend
If CashBack is more your vibe, simply switch your rewards mode in the Mox app – instantly.
Up to 2% Unlimited CashBack everywhere:
From dining, shopping, to travel and transport, earn 2% Unlimited CashBack on all your spend when you switch your payroll to Mox with a monthly amount of HKD25,000 or more.
*You can still earn 1% Unlimited CashBack even if your total balance dips below the above amount.
3% Unlimited CashBack at all supermarkets⁵:
Earn 3% Unlimited CashBack at major supermarkets in Hong Kong – perfect for topping up groceries, or stocking up for the week. No category limits, no confusing math, just pure rewards on everyday living.
Switch anytime. Earn your way with no caps. All from the same card.
View 3% Supermarkets full merchant table
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[H3] Spend smart, earn well, save more – and unlock unlimited possibilities
Good at spending? Be great at saving too – that’s how you unlock more and more possibilities. By switching your payroll to Mox with a monthly amount of HKD25,000 or more, you can enjoy 2% Unlimited CashBack on every purchase – no caps, no limits. Every dollar you spend earns you more, while your savings continue to grow with daily interest, paid daily, helping your wealth build faster so you can achieve even more.
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[H3] Credit + Debit – One Mox Card does it all
Use the same Mox Card for both Mox Credit and your Mox Account (debit) – no extra cards to carry, ever.
Your all-rounder card:
Physical card
Digital card
Apple Pay and Google Pay
ATM card
Numberless card design for next-level privacy and security
One card for everything you do.
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[H3] Powerful flexibility – Transfer with FPS via credit
Mox is the first digital bank in Hong Kong to let you transfer money using FPS with your 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.
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[H3] Want to split it? Easy.
Whether it’s one big purchase or your whole monthly statement, Split Purchase or Split Your Statement helps you spread costs your way.
Pick a payoff time frame from 3 to 60 months
See a transparent APR that updates in real time in the Mox app
Split any eligible transaction(s) of HKD400+
Or split your statement of HKD2,000+ up to 3 days before the due date
Flexibility, without the fine-print fear.
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[H3] Apply now. No annual fee!
Your Mox Credit Card application takes only minutes to apply:
Just your HKID Card
Instant application decision, instant spending
Simple document submission process (if required)
Your physical Mox Card will be on its way shortly after
[H2] More than a credit card! Enjoy other great banking services with Mox Credit
[H5] Apply for Mox Credit Card
Download nowDownload now
[H1] Plan Your Mox Credit Card Repayments
[H5] A smarter way to calculate and time your repayments
I owe (HKD)Daily interest rate (%)Prevailing daily interest rate for purchase is 0.0907%, APR: 35.99%CalculateIf you pay0.00HKDMonthlyTime to pay off36 monthsTotal amount to be paid0.00HKDTotal interest to be paid0.00HKDSavings by repaying fixed amount0.00HKDIf you payMinimum Amount DueMonthlyTime to pay off0 monthsTotal amount to be paid0.00HKDTotal interest to be paid0.00HKDSavings by repaying fixed amountNAPoints to note
[H6] To borrow or not to borrow? Borrow only if you can repay!
¹Please refer to the Mox Credit Schedule (also referred to as ‘Schedule 3 to the General Terms and Conditions’) and the Mox Credit Key Facts Statements for further details.
Friendly reminder: You can only apply for Mox Credit Card once your Mox Account has been successfully opened. In some circumstances, we may require you to provide supporting documents by a simple submission process when you apply for Mox Credit Card. The approval time for Mox Credit Card is subject to a customer’s individual circumstances.
²Please refer to the Rewards for Cards Schedule for further details. From 2 April 2026 to 30 June 2026, when you make an eligible Mox Credit Card transaction, if you (a) have completed an Eligible Payroll Transaction of HKD25,000 or more; and/or (b) you have Mox+ ("Unlocking Criteria"), then you may earn unlimited 2% CashBack or HKD4 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction based on your selected Spending Rewards Scheme. From 1 July 2026, if you have satisfied either one of the Unlocking Criteria at the time you make an eligible Mox Credit Card transaction, you will earn unlimited 2% CashBack or HKD5 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction based on your selected Spending Rewards Scheme. If you have not satisfied the Unlocking Criteria at the time you make an eligible Mox Credit Card transaction, you may still earn unlimited 1% CashBack or HKD10 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. “Eligible Payroll Transaction” means a transaction where your employer pays your salary into your Mox Account via FPS, and the transaction is displayed as ‘Salary’ in the Mox app. For the avoidance of doubt, standing instructions or other local electronic transfers are not considered ‘Eligible Payroll Transactions’. Based on your selected Spending Rewards Scheme, you will be eligible to receive: (i) 2% CashBack; or (ii) HKD4 =1 Asia Mile (until 30 June 2026) or HKD5 =1 Asia Mile (from 1 July 2026) during the period beginning on and from the day you complete the Eligible Payroll Transaction and ending on the last day of the next calendar month.
³We will charge a spending rewards switching fee of HKD50 unless we waive this fee if you have Mox+. Please refer to the Mox Credit Key Facts Statements and Mox+ Benefits Table for further details.
⁴FX Fees refer to the Foreign Exchange Handling Fee and the Cross-Border Access Fee. Asia Miles have to be chosen as your Spending Rewards Scheme. 0% Foreign Currencies and Overseas Merchant Spending Fees Promotion Terms and Conditions apply.
⁵Earn unlimited 3% CashBack on the amount of eligible Mox Credit Card transaction made at supermarkets and grocery stores, each as classified by Mastercard Asia/Pacific (Hong Kong) Limited.
⁶Whether you can transfer money using your Mox Credit depends on multiple factors. You may be restricted from using Mox Credit to make transfers even if there is available balance in your Mox Credit account.
⁷General Terms and Conditions (in particular, see Part A: Split Purchase of Schedule 3) and the Split Purchase Key Facts Statement apply. Refer to legal terms and conditions for more details. The fees for Split Purchase will be reviewed from time to time. Each monthly instalment for a Split Purchase is charged to Mox Credit and will show on your Mox Credit statement. Please pay your Mox Credit statement balance in full on or before its due date to avoid finance charges (interest).
⁸The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Associations of Banks. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate.
⁹Only certain types of Mox Credit transactions and amounts of Mox Credit statement balances are eligible for Split Purchase, as determined by us in our absolute discretion. The examples of transactions and amounts of Mox Credit statement balances that are ineligible for Split Purchase are listed in General Terms and Conditions (in particular, see Part A: Split Purchase of Schedule 3) – clause 8(d).