A credit card designed specifically for Hong Kong drivers. Earn up to 10% return on Autotoll tunnel payments, and 3.2% on car-related spend including car washes, repairs, EV charging, and petrol stations. Comes with complimentary tyre puncture repair and towing service, plus exclusive 365 Car Wash privileges. High earn rates are unlocked with HK$4,000 in monthly spend — ideal for daily commuters and frequent tunnel users.

Eligibility

Key Rates (Source: KFS, January 2025)

Fees

Who Is This Card For?

The Mox Credit Card is issued by Mox Bank, a virtual bank backed by Standard Chartered. Positioned as an all-in-one card for everyday users, it is best suited for:

• Digital-first users: Those comfortable managing finances entirely through an app — online shopping, food delivery, mobile payments — with no need for physical branch services

• Supermarket spenders: Earn 3% unlimited CashBack at supermarkets across Hong Kong with no category restrictions, making daily grocery spending genuinely rewarding

• Salary-in workers: Those whose employer deposits payroll of HK$25,000 or above via FPS into their Mox account each month can unlock 2% CashBack or HK$4 = 1 mile — a straightforward and achievable threshold

• Overseas spenders and travellers: Miles mode comes with 0% foreign transaction fee, making it well-suited for overseas purchases and travel spending

• Miles beginners: HK$4 = 1 Asia Mile (when unlocked) outperforms most traditional bank cards (typically HK$6–8 = 1 mile), with miles credited to Cathay accounts on the same day

• Those needing flexible fund transfers: The only virtual bank in Hong Kong that supports FPS transfers using credit limit — ideal for paying rent or transferring money while enjoying up to 56 days interest-free

Card Details

1. Unlock Conditions (new rules effective 2 April 2026)

The higher reward rates of 2% CashBack or HK$4 = 1 mile are not automatic — cardholders must meet ONE of the following conditions:

• Employer deposits payroll of HK$25,000 or above via FPS into the Mox account each month, shown as "salary" in the Mox app; or

• Achieve Mox+ status: monthly average savings balance of HK$600,000 or above

Without meeting unlock conditions, rates drop to 1% CashBack or HK$10 = 1 mile — a significant difference.

⚠ Standing instructions or self-transfers do not qualify. Only employer-initiated FPS payroll transfers count.

Honeymoon period for new customers: Automatically unlocked for the first 60 days after card approval — no conditions required.

2. 0% Foreign Transaction Fee is Miles Mode Only

The 0% foreign transaction fee applies exclusively when the card is set to Asia Miles mode. CashBack mode incurs the standard 1.95% foreign transaction fee. Switch modes in the app before travelling.

3. Credit Card + Debit Card in One

The physical Mox Card functions as both a credit card and a savings/debit card, and doubles as an ATM card. The card face has no printed card number for enhanced security.

4. Instant Approval and Instant Use

Application results are issued immediately. Upon approval, the virtual card can be added to Apple Pay or Google Pay right away — no need to wait for the physical card.

5. FPS Credit Transfers

Mox is the only virtual bank in Hong Kong that allows FPS transfers using the credit limit. Rent payments and transfers count towards cashback rewards (when unlocked) and enjoy up to 56 days interest-free. Transfers exceeding the personalised monthly limit are charged up to 2%.

6. Instalment Plans

Single transactions of HK$400 or above are eligible for "Transaction Instalment"; statement balances of HK$2,000 or above can be converted to "Statement Instalment". Repayment periods range from 3 to 60 months, with no hidden fees and real-time APR display.

Other Fees

This Card May Not Be Ideal If:

• Your salary doesn't go through Mox and savings are below HK$600,000: Without meeting unlock conditions, you're limited to 1% CashBack or HK$10 = 1 mile long-term — significantly less competitive

• You need airport lounge access or travel insurance: Mox Credit provides neither — frequent travellers will need a separate travel card for these perks

• You prefer in-person banking: Mox is app-only with no physical branches — not suitable for those who rely on counter services

• You need a supplementary card: Supplementary cards are currently not available

• Dining and online shopping are your main spending categories: Mox offers no bonus rates for dining or general online shopping (supermarkets aside) — a specialist card may deliver better returns

• You don't use Asia Miles: Miles can only be redeemed for Asia Miles and cannot be transferred to other airline programmes — limited appeal for those who don't fly Cathay Pacific

The core proposition of this card is unlimited 2% cash rebate across all spending categories. The 2% rebate comprises a 1% base rebate plus a 1% promotional rebate, with a maximum rebate cap of HK$2,000 per card — meaning only the first HK$200,000 in eligible spend qualifies for the full 2%; any spend beyond this earns only the 1% base rebate.

Rebate Structure

The 2% rebate (1% base + 1% promotional) applies to all eligible retail purchase transactions. The additional 1% promotional rebate is capped at HK$800 during the promotion period (1 January 2026 to 30 June 2026). No registration required. Rebate is calculated per transaction, settled monthly and credited to the next statement.

Ineligible Transactions (No Rebate)

Cash advances, credit card charges (annual fee, interest/finance charges, late charges, over-the-limit fees, cash advance handling fees), Octopus Automatic Add-Value Service (AAVS), casino transactions, P2P transfers, electronic money transfers, e-wallet top-ups, instalment amounts, unposted/cancelled/refunded/fraudulent transactions, and unauthorised transactions.

Octopus AAVS: HK$1 rebate per HK$250 auto top-up (0.4% base rate only; not eligible for the additional 1% promotional rebate).

Airport Lounge Access: Spend HK$12,000 or more in 2 consecutive months to unlock 3 complimentary LoungeKey visits per year.

Key Rates

Fees

Eligibility

Minimum age 18. No minimum income requirement. PrimeCredit is a licensed money lender (not a bank), and applies relatively flexible approval criteria.

Principal cardmembers must be Hong Kong residents aged 18 or above with a minimum annual income of HK$150,000 (full-time university/tertiary students exempt). Supplementary cardmembers must be aged 16 or above; if under 18, the principal cardmember must be their parent or guardian.

Best For: Frequent travellers, foreign currency spenders, Japan/Korea/Thailand trips, local dining, perpetual annual fee waiver, Greater Bay Area spending

About +FUN Dollars

• Redeemable via Hang Seng Mobile App through +FUN Centre as direct statement credit

• Validity: 24 months from annual card renewal month

• Bonus +FUN Dollars credited within 2 months after monthly spend is settled

Travel Perks

• HK$10 dining credit at airport Starbucks / Intervals Bar

• Exclusive booking offers with Rakuten Travel, Trip.com, Agoda and Expedia

• Priority access to concert and major music festival tickets

Important Notes

Monthly reward cap: The combined monthly bonus reward cap is $500 +FUN Dollars (equivalent to approximately HK$500 in statement credit).

High earn rate trigger: One-time online registration is required. Monthly eligible retail spend must reach HK$6,000 to unlock the higher earn rates. In months where spend falls below HK$6,000, only the base 0.4% rebate applies.

Ineligible transactions (no rewards earned): Online bill payments (utilities, insurance premiums, repayments to banks/credit cards, etc.), tax payments, all Alipay and WeChat Pay transactions, phone/fax orders, cash coupon purchases, instalment payments, balance transfers, Octopus top-ups (including via e-wallets), stored value card purchases/reloads, purchases of financial products or services (foreign currency exchange, money orders, travellers' cheques, deposits, remittances, etc.), cash advances and handling fees, casino chip purchases, autopay, recurring payment instructions, annual fees/finance charges/late charges, and any transactions that are subsequently cancelled, refunded or identified as fraudulent.

Not Suitable If:

• You rarely travel overseas or have limited foreign currency spend — the high earn rates will be difficult to trigger

• Your monthly spend is consistently below HK$6,000 — you will only earn the 0.4% base rebate

• You want to earn airline miles directly — this card does not offer direct miles conversion

The Visa Signature tier requires a minimum annual income of HK$240,000. Applications that do not meet the Visa Signature threshold will automatically be downgraded to a Visa Platinum Card. Applicants must be Hong Kong residents aged 18 or above. Full-time university/tertiary students must be Hong Kong permanent residents.

0.4% base rebate + 3.6% bonus rebate (selected Fun category); monthly spend of HK$1,500 required to activate bonus rebate; monthly cap of HK$200.

Cashback Mechanism — 4% Fun Category Rebate (Pick 1 of 4; selected at application, cannot be changed)

Monthly eligible spend of HK$1,500 or above required to activate the 3.6% bonus rebate. Monthly bonus rebate cap: HK$200. Registration required via OmyCard App.