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Instant Clear: Clear  external credit card bills in instalments effortlessly

Clear your external credit card bills in instalments! Potentially cut your interest expense up to 98%*


With Instant Clear, you have the flexibility to pay other banks or financial institutions’ credit card bills of HKD5,000 and above in easy instalments up to 60 months and enjoy an APR of as low as 2.80%¹˒⁴. 

Simply transfer the credit card bills you have with other banks or financial institutions to Mox for consolidation using Instant Clear – it potentially reduces your monthly repayments by up to 98%*.

Instant Clear is quick, easy and effortless, and lets you regain more control over your money.



*Compare interest expenses at a glance


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

Outstanding Balance of a Credit Card² Mox Instant Clear³ʼ⁴
Loan amount HKD100,000 HKD100,000
Repayment period (month) 337 48 (-86%)
Average monthly repayment HKD2,963 HKD2,203 (-26%)
Total interest expense HKD285,987 HKD5,760 (-98%)

Clear your external credit card bills in an instant

With Mox Credit, there’s no waiting around. Instant Clear doesn’t require any additional documentation. Everything is done via your Mox app, so you can apply and clear your or financial institutions’ credit card bills in just a few minutes.

Apply for Mox Credit today to access Instant Clear and clean up your external credit card bills.

Join us earlier and earn more! 
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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)

¹The APR ranges from 2.80% to 24.53% and repayment period of 3 to 60 months. The APR of 2.80% is calculated based on repayment tenor of 48 – 60 months for the Instant Clear loan.

²The 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.

³The above illustration is calculated based on a monthly flat rate of 0.12% with 48-month repayment period for Mox Instant Clear Credit Card Balance Transfer Plan (“Instant Clear”). The APR is 2.80%, and the total loan repayment amount is HKD105,760. 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.

⁴The 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.