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Enjoy 0% interest with Instant Clear

Clearing your external credit card bills from other banks or financial institutions is so easy and affordable now – simply apply for an Instant Clear with a repayment period of 3 to 6 months and a loan amount of below HKD75,000, you can now enjoy 0% interest¹!

Clear your external credit card bills now with 0% interest¹ Instant Clear to save more!
Clear your external credit card bills now with 0% interest¹ Instant Clear to save more!

Clear your external credit card bills now with 0% interest¹ Instant Clear to save more!

When you choose to repay your Instant Clear of below HKD75,000² in 3 to 6 months, you can enjoy 0% interest¹, and only a one-off fee listed below will be charged.

Instant Clear Amount One-off fee
A repayment period of 3 months A repayment period of 4-6 months
HKD20,000 or below HKD200 HKD300
HKD20,001 to HKD74,999 HKD800 HKD1,200

For the APR of Instant Clear, please refer to the Mox app³.

Compare interest expenses at a glance

Instant Clear doesn’t require any additional documents. Everything is done via your Mox app, so you can apply and clear your other banks’ or financial institutions’ credit card bills in just a few minutes.


Check out examples below to see how much you can save with Instant Clear:


Outstanding Balance of a Credit Card⁴ Instant Clear⁵𝄒⁶
Loan amount HKD100,000 HKD100,000
Repayment period (month) 337 48 (-86%)
Average monthly repayment HKD2,963 HKD2,404 (-19%)
Total interest expense HKD285,987 HKD115,360 (-94%)
Apply for Instant Clear with Mox Credit!
To borrow or not to borrow? Borrow only if you can repay!

Terms and Conditions apply (in particular, see Schedule 3 to the General Terms and Conditions)

¹0% interest refers to the monthly fee on Instant Clear application of repayment period of 3-6 months and below HKD75,000. Please note that designated one-off fee will be charged, you may refer the APR and related fee in the Mox app for details.

²Minimum loan amount eligible for an Instant Clear application is HKD5,000.

³For an Instant Clear application on Mox Credit of HKD20,000, the Annualised Percentage Rate (APR) of 3 months repayment period is as low as 6.24% and 4-6-months repayment period (APR) is as low as 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 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.

⁴The 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.

⁵The 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.

⁶For 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.