General terms and conditions (in particular, Part A: Split Purchase, Part B: Instant Loan, Part C: Instant Clear Credit Card Balance Transfer Plan of Schedule 3) and the Split Purchase, Instant Loan and Instant Clear Credit Card Balance Transfer Plan Key Facts Statement apply. Details are available in the ‘Legal documents’ section of our website.

*For an Instant Loan on a Mox Credit transaction of HKD950,000 or above spilt into 6 monthly instalments, the Annualised Percentage Rate (APR) is as low as 1.28% (which does not includes cash reward of Instant Loan Cash Reward Promotion).

#Once you confirm to top up, all your existing Instant Loan(s) will be closed. Applicable fees and charges, including any interest accrued since last Mox Credit statement and the early settlement fee of your existing Instant Loan(s) will be charged to your next Mox Credit statement for repayment.

¹Instant Loan Cash Reward Promotion Terms and Conditionsapply (Promotion period: 3 December 2024 – 6 February 2025). For an Instant Loan on a Mox Credit transaction of HKD750,000 spilt into 60 monthly instalments, the Annualised Percentage Rate (APR) is as low as 2.61% (which includes the cash reward of HKD6,888 which will be credited to your Mox Account on or before 31 December 2024), while the APR excluding cash rewards of Instant Loan Cash Reward Promotion is as low as 2.99%. If you apply to top up your active Instant Loan(s), the Eligible Instant Loan Amount applicable for this promotion will be additionally borrowed principal amount on top of the outstanding principal amount of your active Instant Loan(s). 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.

²The 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.

³The above illustration is calculated based on a monthly repayment of 1% of a major traditional bank credit card outstanding balance or HKD220 (whichever is higher) over a 337-month repayment period. The average monthly repayment amount quoted above is calculated based on the first 3-month repayment amount and is rounded to the nearest dollar. The Annualised Percentage Rate (“APR”) is 35.70%. The total interest expense over the whole repayment period quoted above is rounded to the nearest dollar. The above example is for reference only.

⁴The above illustration is calculated based on a monthly flat rate of 0.32% with 48-month repayment period for Mox Instant Clear Credit Card Balance Transfer Plan (“Instant Clear”). The APR is 7.43%, and the total loan repayment amount is HKD115,360. The average monthly repayment amount and the total interest expense over the whole repayment period quoted above are rounded to the nearest dollar. The above example is for reference only.

⁵For a Instant Clear of HKD20,000 into 6 monthly instalments, the Annualised Percentage Rate (APR) is 5.34%. 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 Clear 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 Clear application. Please refer to the Instant Clear Credit Card Balance Transfer Plan Key Facts Statement for details.

⁶The fees for Split Purchase will be reviewed from time to time. For more details, please refer to the Split Purchase Key Facts Statement and Schedule 3 to the General Terms and Conditions on our website for details. For a Split Purchase on Mox Credit of HKD100,000 into 60 monthly instalments, the Annualised Percentage Rate (APR) is as low as 5.11%. 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 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 application.

⁷For a Split Statement application on Mox Credit of HKD100,000 into 6 monthly instalments and the Annualised Percentage Rate (APR) is as low as 5.22%. Only 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)). 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 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 application.