Mox and Mastercard launch groundbreaking feature to “Flip” between debit and credit spending on the all-in-one Mox Card

June 23, 2021 | Hong Kong


Mox Bank Limited (“Mox”) and Mastercard today announce another smart new feature called “Flip” on the all-in-one numberless Mox Card, enabling customers with Mox Credit to freely flip between spending on their Mox Card from Mox Account (debit) and Mox Credit (credit), giving them the best of both worlds.

Deniz Güven, CEO of Mox, said: “We listened to our customers. When we launched Mox Credit, some customers told us they hope to enjoy the flexibility and choice of flipping between debit and credit spending on the Mox Card. Working closely with Mastercard, we now help our customers further unlock the potential of the Mox Card, enabling them to easily spend on debit or credit.”

Helena Chen, Managing Director, Hong Kong and Macau, Mastercard, said: “As demand for digital experiences grows stronger, Mastercard is pleased to further its collaboration with Mox to bolster the Mox Card, which has both debit and credit features that give consumers greater control and more choices in their transactions. Mastercard’s Digital First program across Asia Pacific opens up more opportunities for the Mox Card to deliver seamless, flexible and secure digital payment experiences.”

Mox has pioneered a number of market-leading innovations - the Mox Card is the first all-in-one numberless bank card in Asia. Mox is the first virtual bank in Hong Kong to introduce both Apple Pay and Google Pay as well as to launch Mox Credit on our all-in-one Mox Card. This new “Flip” feature, developed in partnership with Mastercard, continues to enhance the functionalities of our Mox Card, and introduces a groundbreaking innovation to Hong Kong.

We now have more than 130,000 customers and our Mox Card has already been used close to 4 million times. More than 40% of our Mox Card spending is online, reflecting the digital lifestyle of our customers. 

Flipping between debit and credit spending on the Mox Card is easy for Mox Credit customers. In the Mox app, simply click on “View Details”, then the “Flip” button, and follow the steps. If you want to switch back to spending on Mox Credit, simply repeat the process.

Go virtual and experience a faster, smarter, safer and more secure way to pay today with the Mox Card powered by Mastercard.

About Mox by Standard Chartered

Mox is a virtual bank in Hong Kong by Standard Chartered in partnership with PCCW, HKT and We launched in September 2020 and currently have more than 130,000 customers.

We are the combined power of a well-trusted international bank, the city’s telecom and lifestyle leader as well as Asia’s largest online travel agency.

Mox delivers a suite of retail banking services as well as lifestyle benefits all in the one place, growing your money, your world and your possibilities.

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About Mastercard (NYSE: MA)

Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.