Mox Credit Card Calculator
Best for: Flexible spenders who want to switch between cashback and Asia Miles earning, especially those with overseas spending who value the 0% FX fee
View official detailsThe Mox Credit Card offers a unique dual-mode reward system where you choose between CashBack or Asia Miles earning. In CashBack mode, supermarket spending earns 3% unlimited cashback, while all other spending earns 1% at the standard tier or 2% if you qualify for premium tier by maintaining a HK$250,000+ balance or receiving HK$25,000+ monthly payroll via FPS. In Asia Miles mode, the card earns miles directly with no points conversion needed. Premium tier cardholders earn at HK$4 per mile on all spending, while standard tier earns at HK$10 per mile. A key advantage is the 0% foreign exchange fee on all overseas transactions in both modes, making it particularly attractive for travellers. There are no spending caps, no category restrictions, and no annual fee, though switching between modes costs HK$50 if your balance is below HK$250,000.
- 3% unlimited cashback on supermarkets (CashBack mode)
- 2% unlimited on all spending with premium tier (CashBack mode)
- HK$4 = 1 mile with premium tier (Asia Miles mode)
- 0% foreign exchange fees on all overseas transactions
- No spending caps or category restrictions
- No annual fee
- No minimum income requirement
- Premium tier requires HK$250k+ balance or HK$25k+ payroll
- Standard tier only earns 1% cashback or HK$10 = 1 mile
- HK$50 fee to switch modes if balance below HK$250k
- Miles locked to Asia Miles program only
- Must choose one mode at a time (cannot earn both)