Citi Card Debt Consolidation Loan

Great for

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  [MoneyHero Exclusive Offer] - Time-limited HK$800 Apple Store Gift Card / Wellcome Shopping Voucher

  • From 6 November 2023 12 noon to 30 November 2023 06:00 p.m., you can get extra HK$800 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 November 2023, regardless of loan approval and drawdown
  • For more details about the promotion, please see Terms and Conditions
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  [MoneyHero Exclusive Offer]

  • Eligibility:
    • successfully apply for Citi Tax Season Loan or Citi Card Debt Consolidation Loan on MoneyHero from 6 November 2023 12 noon to 30 November 2023 6 p.m., and
    • choose a repayment period of 12 months or above, and drawdown the loan within 1 month

  Loan Amount	MoneyHero Exclusive Offer
  HK$800,000 or above	iPhone 15 256GB (valued at HK$7,699) HK$10,000 Apple Store Gift Card / Supermarket Coupon
  HK$500,000 to HK$799,999	iPad mini Wi‑Fi 256GB (valued at HK$5,199) HK$7,000 Apple Store Gift Card / Supermarket Coupon
  HK$300,000 to HK$499,999	DYSON HP07 Purifier Hot+Cool (valued at HK$5,780) HK$6,000 Apple Store Gift Card / Supermarket Coupon
  HK$200,000 to HK$299,999	DYSON HD15 Supersonic™ hair dryer (valued at HK$3,780) HK$5,000 Apple Store Gift Card / Supermarket Coupon
  HK$100,000 to HK$199,999	Bose QuietComfort Ultra Earbuds (valued at HK$2,299) HK$4000 Apple Store Gift Card / Supermarket Coupon

  • All of the Rewards will be issued randomly in colour
  • For more details about the promotion, please see Terms and Conditions
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  Welcome offer - Up to HK$8,000 Cash Coupon
  Clients who successfully apply for Citi Tax Season Loan or Citi Speedy Cash Loan or Citi Card Debt Consolidation Loan from 1 November 2023 to 31 December 2023 and drawdown the loan on or before 14 January 2024 will be entitled to the following welcome offer:

  Loan Amount	Repayment period 24 months or below	Repayment period 24 months above
  Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders	Other customers	Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders	Other customers
  HK$1,500,000 or above	HK$4,000	HK$2,000	HK$8,000	HK$4,000
  HK$800,000 - HK$1,499,999	HK$2,500	HK$1,500	HK$4,000	HK$2,500
  HK$400,000 - HK$799,999	HK$1,500	HK$1,000	HK$2,000	HK$1,500
  HK$100,000 - HK$399,999	HK$500	HK$400	HK$700	HK$600

  • A cash coupon redemption letter (if applicable) will be mailed to the Eligible Customers’ Hong Kong correspondence address according to The Bank’s record on or before 31 March 2024
  • For more details about the promotion, please see terms and conditions
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  Product Features

  • Same-day approval and same-day loan disbursement
  • Repayment term up to 72 months, HK$0 handling fee
  • Loan amount of Citi Card Debt Consolidation Loans is up to 21 times of your monthly salary or HK$1,200,000, whichever is lower
  • No hidden terms and conditions

Need to know

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  Things you need to know

  • The application of Citi Card Debt Consolidation Loan must be successfully applied on or before 31 December 2023. The application date is subject to Citibank’s system records
  • Offers are only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited at the time of application
  • Each eligible customer can enjoy the Reward once during the promotion period
  • The annualized percentage rate (“APR”) ranges from 8.64% to 35.78%, with repayment period of 6 to 72 months.
  • The Annualized Percentage Rate ("APR") of as low as 8.64% is calculated based on the monthly flat rate 0.38% with loan amount of HK$1,200,000 and repayment tenor of 12 months.
  • The Annualized Percentage Rate ("APR") of as low as 35.78% is calculated based on the monthly flat rate 1.46% with loan amount of HK$100,000 and repayment tenor of 18 months.
  • APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer’s profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The maximum APR will change and subject to monthly flat rate amendment. The Bank reserve the right to amend the monthly flat rate and APR. The loan application is subject to the Bank’s approval. For a loan amount of HK$200,000 with 12 months repayment period, the monthly flat rate is 0.38% (APR 8.64%), and the total loan repayment amount is HK$1,254,720 (including full handling fee waiver). The above example is for reference only.
  • To borrow or not to borrow? Borrow only if you can repay!