Get Mox
中文

Enjoy 0% interest with Instant Clear for a repayment period of 3-6 months

Clearing your external credit card bills from other banks or financial institutions is so easy and affordable now – simply apply for an Instant Clear of HKD5,000 or above with a repayment period of 3 to 6 months, you can now enjoy 0% interest¹! 

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

When you choose to repay your Instant Clear in 3 to 6 months in any loan amounts, you can enjoy 0% interest¹, and only an one-off fee listed below will be charged.

Repayment period One-off fee Monthly fee (Interest)
3 months HKD100 0%
4-6 months HKD300 0%

For the APR of Instant Clear, please refer to the Mox app².

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 Card³ Instant Clear⁴𝄒⁵
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%)
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. Please note that designated one-off fee will be charged, you may refer the APR and related fee in the Mox app for details.

²For an Instant Clear application on Mox Credit of HKD50,000, the Annualised Percentage Rate (APR) of 3 months repayment period is 1.21% and 4-6 months repayment period (APR) is as low as 2.08%.

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.

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 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 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.