Are you eligible?

• • Eligible for new customers who do not hold Personal Loan account offered by Citibank (Hong Kong) at the time of application)

  • You need to apply on or before 31 May 2025 and draw down the loan on or before 30 June 2025

  • Get extra HK$600 cash regardless of approval !
    Eligible customers must complete and submit the redemption form after logging in to MoneySmart on or before 30 June 2025, along with the valid loan application reference number provided by the loan provider and the phone number that is linked to your bank account for receiving funds via FPS and submit required documents for loan applications.

  • Customers must complete and submit the redemption form after logging in to MoneySmart before 30 June 2025

  • Please note: Before the application through the MoneySmart, please first Turn off ad block；Clear the cookies；Don't use "incognito mode"；Turn off prevent cross-site tracking (Safari users) or Turn off do not track function (Chrome users)

What you need to know

1. Flexible repayment plans with reward up to HK$8,000 － Easier Cash Flow Management :

2. Repayment period of 12-24 months :
   ・Loan amount between HK$800,000-$1,499,999, enjoy up to HK$1,500 reward
   ・Loan amountHK$1,500,000 or above, enjoy up to HK$3,000 reward
   [Applicable for for Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholder]
   ⠀⠀
   ・Loan amount between HK$800,000-$1,499,999, enjoy up to HK$1,000 reward
   ・Loan amountHK$1,500,000 or above, enjoy up to HK$2,000 reward
   [Applicable for for Others]

3. Repayment period of 30-42 months :
   ・Loan amount between HK$100,000-$399,999, enjoy up to HK$500 reward
   ・Loan amount between HK$400,000-$799,999, enjoy up to HK$2,000 reward
   ・Loan amount between HK$800,000-$1,499,999, enjoy up to HK$3,000 reward
   ・Loan amountHK$1,500,000 or above, enjoy up to HK$5,000 reward
   [Applicable for for Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholder]
   ⠀⠀
   ・Loan amount between HK$100,000-$399,999, enjoy up to HK$500 reward
   ・Loan amount between HK$400,000-$799,999, enjoy up to HK$1,000 reward
   ・Loan amount between HK$800,000-$1,499,999, enjoy up to HK$2,000 reward
   ・Loan amountHK$1,500,000 or above, enjoy up to HK$3,000 reward
   [Applicable for for Others]

4. Repayment period of 48 months or above :
   ・Loan amount between HK$100,000-$399,999, enjoy up to HK$1,000 reward
   ・Loan amount between HK$400,000-$799,999, enjoy up to HK$3,000 reward
   ・Loan amount between HK$800,000-$1,499,999, enjoy up to HK$4,000 reward
   ・Loan amountHK$1,500,000 or above, enjoy up to HK$8,000 reward
   [Applicable for for Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholder]
   ⠀⠀
   ・Loan amount between HK$100,000-$399,999, enjoy up to HK$750 reward
   ・Loan amount between HK$400,000-$799,999, enjoy up to HK$2,000 reward
   ・Loan amount between HK$800,000-$1,499,999, enjoy up to HK$3,500 reward
   ・Loan amountHK$1,500,000 or above, enjoy up to HK$8,000 reward
   [Applicable for for Others]

5. The Offer for Citigold Private Client/ Citigold Client / Citi ULTIMA cardholder is only applicable to the applicant who fulfill the following requirement from the date of application to the issue date of redemption letter (both dates inclusive):
   - Citigold Private Client should maintain the account balance at HK$8,000,000 or above, Citigold Client should maintain the account balance at HK$1,500,000 or above, Citi ULTIMA cardholder needs to hold the Citi ULTIMA card.

6. MoneySmart Exclusive: Loan amount of HK$2M or above, get an extra HK$10,000 PARKnSHOP Supermarket Voucher / HK$10,000 Apple Store Gift Card / 🍎 iPhone 16 Plus 512GB (valued: HK$10,199) / B&O Beoplay H100 Ultimate Over-Ear Headphones (value: $11,998)

7. MoneySmart Exclusive: Loan amount HK$500K - HK$1.99M, get an extra HK$7,000 PARKnSHOP Supermarket Voucher / HK$7,000 Apple Store Gift Card / 🍎 iPhone 16e 512GB (valued: HK$7,599) 

8. MoneySmart Exclusive: Loan amount HK$300K - HK$499K, get an extra HK$6,000 PARKnSHOP Supermarket Voucher / HK$6,000 Apple Store Gift Card / 🆕 LG PuriCare™ AeroBooster (Value: HK$6,150)0kg baggage allowance

9. MoneySmart Exclusive: Loan amount HK$200K - HK$299K below get an extra HK$4,000 PARKnSHOP Supermarket Voucher / HK$4,000 Apple Store Gift Card / 🆕 DYSON Supersonic r™ HD17 hair dryer (value: HK$4,180)

10. MoneySmart Exclusive: Loan amount HK$100K - HK$199K, get an extra HK$1,500 PARKnSHOP Supermarket Voucher / HK$1,500 Apple Store Gift Card / 🆕 Tapo RV20 Max 5300Pa Suction MagSlim™ LiDAR Navigation Robot Vacuum and Mop (value: HK$1,499)