Settle your credit card balance as fast as 3 mins
CreFIT ClearCard Credit: Effortlessly eliminate all outstanding card debts within minutes! Experience the freedom to select a repayment period that suits your needs, accompanied by a 7-day Interest-free cooling-off period, enhancing flexibility in the repayment process. The maximum loan amount is up to HK$200,000, with no drawdown or annual charges, while safeguarding your credit rating. The product is also available to college students!
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MoneySmart Exclusive

【⚽ ️Score & Savour】Earn HK$500 Deliveroo Gift Card during Football Frenzy!
From now until 30 June, apply for CreFIT ClearCard Credit via MoneySmart, you can earn an extra HK$500 Deliveroo Gift Card regardless of approval! Score big on taste and excitement as you savor every electrifying moment of the game🍔🔥! T&Cs apply.

From now until 4 July, new customers who successfully apply for CreFIT ClearCard Credit via MoneySmart and possess a good repayment record for the first 3 months after loan disbursement, can enjoy a HK$4,000 total in cashback and supermarket vouchers and a 7-day interest-free cooling-off period ("Cooling-off Period"), for the first 7 days after loan drawdown!

Reminder: CreFIT ClearCard Credit currently supports 16 Hong Kong credit card issuers. Upon the acceptance of the loan agreement, the fund will immediately be disbursed to the designated credit card account(s) via FPS! 🆕 The Cashout Feature is now available - Cash or Bill Settlement, Your Call!

Valid until 30 Jun 2024 - See more details below

Are you eligible?

    • The Promotion Period is from now to 4 July 2024 (“Promotion Period”). 

    • Qualified customers are required to apply and the first drawdown of CreFIT ClearCard Credit through CreFIT mobile application within the Promotional Period. The first drawdown repayment period must be 12 months or more in order to enjoy up to HK$4,000 cashback and supermarket vouchers. 

    • This promotion is valid for new customers who have not held a CreFIT ClearCard Credit account in the past 12 months from the Promotional Period. 

    • 【⚽ ️Score & Savour】To qualify for the HK$500 Deliveroo Gift Card, customers must submit the redemption form after logging in to MoneySmart, along with the phone number you used to complete the application form on or before 30 June 2024.

What you need to know

  1. Cashback amount is based on the fourth month’s interest amount in the first loan repayment schedule and the maximum rebate is HK$1,000. If the fourth-month interest of the first loan exceeds HK$1,000, the reward you can receive is capped at HK$1,000.

    The value of supermarket vouchers will be determined based on the amount of the first drawdown. Details are as follows:

    Loan Amount for the first drawdown|Supermarket Voucher Value

    HK$160,000-$200,000 |HK$3,000

  2. The loan drawdown date and repayment records for the first 3 months of the Eligible Customers shall be based on the chronological order of entry records in VCREDIT computer system. 

  3. CreFIT ClearCard Credit currently supports the following Hong Kong credit card issuers, namely: HSBC, Bank of China (HK), Standard Chartered Bank, Citi Bank, Hang Seng Bank, Bank of East Asia, DBS, China CITIC Bank International, Dah Sing Bank, ICBC (Asia), CMB Wing Lung Bank, China Construction Bank (Asia), AEON, PrimeCredit, AE and SIM Credit Card. This list of card issuing banks will be updated continuously. Customers must hold a credit card account with the above-mentioned issuing banks when applying for loan drawdown. When drawdown a loan, the outstanding balance of the credit card account cannot be less than the minimum settlement amount of CreFIT ClearCard Credit.

  4. Terms and Conditions apply. Please visit CreFIT app for more T&C. 

  5. May Limited-time Loan Reward offer is subject to terms and conditions. For details, please click here.

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Quick Facts

Best For

Customers who are actively seeking an effective and streamlined solution to manage and pay off their credit card balances

Loan Approval Time

As fast as 3 minutes

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