- 3% unlimited cashback at supermarkets*
- 2% unlimited cashback with HK$75,000 in Mox Account (not including time deposits)^
- 1% unlimited cashback on all other purchases
- Extra 3% cashback (up to 5% total cashback) at Trip.com and designated daily merchants (including 7-Eleven, Mannings, Watsons, Circle K and more)#
- 0% merchant split purchase with 0% interest and 0 fees, flexible repayment period betwen 3-60 months
- No annual fee

*From 26 September 2023, earn unlimited CashBack calculated at 3% on the amount of the eligible transaction made with Mox Credit made at ‘supermarkets and grocery stores’, as classified by MasterCard Asia/Pacific (Hong Kong) Limited.
^From 26 September 2023, earn unlimited CashBack calculated at 2% on the amount of the eligible transaction made with Mox Credit, if you have an eligible balance of HKD75,000 or more in your savings accounts with Mox at the time you make the relevant transaction. For the avoidance of doubt, any ‘cash on hold from unsettled cash’ in your Mox Invest Account and balances in your Time Deposit Account(s) will not count towards your eligible balance.
#From 1 August to 30 September 2024, register both offers in Mox Rewards at Mox app to earn CashBack calculated at 3% on the amount of the eligible transaction made with Mox Credit at Trip.com and other selected daily merchants, up to HKD210 for Trip.com and up to HKD50 for other selected daily merchants. Trip.com 3% Cash Reward Campaign & Selected Daily Merchants 3% Cash Reward Campaign Terms and Conditions applies.

- Foreign Transaction Fee: 1.95%
- Minimum Payment: 1% of outstanding principal plus 100% of fees and charges plus the higher of any statement balance exceeding your credit limit and any overdue amount, HK$220, whichever is higher
- Late Charge: HK$0
- Overlimit Charge: HK$0
- Retail Purchase APR: 35.99%
- Cash Advance APR: 35.91%
- Cash Advance Fee: HK$100 per transaction
- Interest Free Period: Up to 56 days