MoneySmart Exclusive

Citi Card Debt Consolidation Loans

8.87%

APR*

^HK$222,080

Total Amount Payable

^HK$22,080

Total Interest Payable

Apply through MoneySmart and redeem for any of these:

Loan amount of HK$200,000 or above with repayment period of 12 months or above, submit all the required documents, will be entitled for HK$800 cash rewards (automatically converted from 8,000 SmartPoints and directly deposited into FPS account) + HK$200 Apple Store Gift Card

Loan amount HK$100,000 - HK$199,999, repayment period 12 months or above, customer is eligible for Bose QuietComfort Headphones (2nd Gen) Bluetooth Headset (HK$2,499, random color)

Loan amount HK$100,000 - HK$199,999, repayment period 12 months or above, customer is eligible for HK$2,200 Apple Store Gift Card

Loan amount HK$100,000 - HK$199,999, repayment period 12 months or above, customer is eligible for HK$2,200 ParknShop e-Voucher

Loan amount HK$100,000 - HK$199,999, repayment period 12 months or above, customer is eligible for HK$2,200 HKTVMall e-Voucher

Loan amount HK$100,000 - HK$199,999, repayment period 12 months or above, customer is eligible for HK$2,200 Cash (automatically converted from 22,000 SmartPoints and directly deposited into FPS account)

Loan amount HK$200,000 - HK$299,999, repayment period 12 months or above, customer is eligible for TEFAL BR453A RO Water Purifier Compact (HK$3,998)

Loan amount HK$200,000 - HK$299,999, repayment period 12 months or above, customer is eligible for HK$2,800 Apple Store Gift Card

Loan amount HK$200,000 - HK$299,999, repayment period 12 months or above, customer is eligible for HK$2,800 ParknShop e-Voucher

Loan amount HK$200,000 - HK$299,999, repayment period 12 months or above, customer is eligible for HK$2,800 HKTVMall e-Voucher

Loan amount HK$200,000 - HK$299,999, repayment period 12 months or above, customer is eligible for HK$2,800 Cash (automatically converted from 28,000 SmartPoints and directly deposited into FPS account)

Loan amount HK$300,000 - HK$499,999, repayment period 12 months or above, customer is eligible for Insta 360 X6 (Essential Bundle) (Value: $5,699, random color)

Loan amount HK$300,000 - HK$499,999, repayment period 12 months or above, customer is eligible for HK$5,800 Apple Store Gift Card

Loan amount HK$300,000 - HK$499,999, repayment period 12 months or above, customer is eligible for HK$5,800 ParknShop e-Voucher

Loan amount HK$300,000 - HK$499,999, repayment period 12 months or above, customer is eligible for HK$5,800 HKTVMall e-Voucher

Loan amount HK$300,000 - HK$499,999, repayment period 12 months or above, customer is eligible for HK$5,800 Cash (automatically converted from 58,000 SmartPoints and directly deposited into FPS account)

Loan amount HK$500,000 - HK$799,999, repayment period 12 months or above, customer is eligible for Dyson CameraJet™ Electric Toothbrush with Flosser (HK$4,290, random color) + Dyson Supersonic r™ hair dryer HD17 (HK$3,990, random color)

Loan amount HK$500,000 - HK$799,999, repayment period 12 months or above, customer is eligible for HK$7,300 Apple Store Gift Card

Loan amount HK$500,000 - HK$799,999, repayment period 12 months or above, customer is eligible for HK$7,300 ParknShop e-Voucher

Loan amount HK$500,000 - HK$799,999, repayment period 12 months or above, customer is eligible for HK$7,300 HKTVMall e-Voucher

Loan amount HK$500,000 - HK$799,999, repayment period 12 months or above, customer is eligible for HK$7,300 Cash (automatically converted from 73,000 SmartPoints and directly deposited into FPS account)

Loan amount HK$800,000 - HK$1,499,999, repayment period 12 months or above, customer is eligible for Antigravity A1 8K 360 Panoramic Drone (Standard Bundle) (HK$9,999)

Loan amount HK$800,000 - HK$1,499,999, repayment period 12 months or above, customer is eligible for HK$9,800 Apple Store Gift Card

Loan amount HK$800,000 - HK$1,499,999, repayment period 12 months or above, customer is eligible for HK$9,800 Parknshop e-Voucher

Loan amount HK$800,000 - HK$1,499,999, repayment period 12 months or above, customer is eligible for HK$9,800 HKTVMall e-Voucher

Loan amount HK$800,000 - HK$1,499,999, repayment period 12 months or above, customer is eligible for HK$9,800 Cash (automatically converted from 98,000 SmartPoints and directly deposited into FPS account)

Loan amount HK$1,500,000 - HK$1,999,999, repayment period 12 months or above, customer is eligible for HK$11,300 Apple Store Gift Card

Loan amount HK$1,500,000 - HK$1,999,999, repayment period 12 months or above, customer is eligible for HK$11,300 ParknShop e-Voucher

Loan amount HK$1,500,000 - HK$1,999,999, repayment period 12 months or above, customer is eligible for HK$11,300 HKTVMall e-Voucher

Loan amount HK$1,500,000 - HK$1,999,999, repayment period 12 months or above, customer is eligible for HK$11,300 Cash (automatically converted from 113,000 SmartPoints and directly deposited into FPS account)

Loan amount HK$2,000,000 or above, repayment period 12 months or above, customer is eligible for HK$12,300 Apple Store Gift Card

Loan amount HK$2,000,000 or above, repayment period 12 months or above, customer is eligible for HK$12,300 ParknShop e-Voucher

Loan amount HK$2,000,000 or above, repayment period 12 months or above, customer is eligible for HK$12,300 HKTVMall e-Voucher

Loan amount HK$2,000,000 or above, repayment period 12 months or above, customer is eligible for HK$12,300 Cash (automatically converted from 123,000 SmartPoints and directly deposited into FPS account)

Loan amount HK$100,000 - HK$199,999, repayment period 48 months or above, customer is eligible for Bose QuietComfort Headphones (2nd Gen) Bluetooth Headset (HK$2,499, random color)

Loan amount HK$100,000 - HK$199,999, repayment period 48 months or above, customer is eligible for HK$2,200 Apple Store Gift Card

Loan amount HK$100,000 - HK$199,999, repayment period 48 months or above, customer is eligible for HK$2,200 ParknShop e-Voucher

Loan amount HK$100,000 - HK$199,999, repayment period 48 months or above, customer is eligible for HK$2,200 HKTVMall e-Voucher

Loan amount HK$100,000 - HK$199,999, repayment period 48 months or above, customer is eligible for HK$2,200 Cash (automatically converted from 22,000 SmartPoints and directly deposited into FPS account)

Loan amount HK$200,000 - HK$299,999, repayment period 48 months or above, customer is eligible for TEFAL BR453A RO Water Purifier Compact (HK$3,998)

Loan amount HK$200,000 - HK$299,999, repayment period 48 months or above, customer is eligible to HK$2,800 Apple Store Gift Card

Loan amount HK$200,000 - HK$299,999, repayment period 48 months or above, customer is eligible to HK$2,800 ParknShop e-Voucher

Loan amount HK$200,000 - HK$299,999, repayment period 48 months or above, customer is eligible to HK$2,800 HKTVMall e-Voucher

Loan amount HK$200,000 - HK$299,999, repayment period 48 months or above, customer is eligible for HK$2,800 Cash (automatically converted from 28,000 SmartPoints and directly deposited into FPS account)

Loan amount HK$300,000 - HK$499,999, repayment period 48 months or above, customer is eligible for Insta 360 X6 (Essential Bundle) (Value: $5,699, random color)

Loan amount HK$300,000 - HK$499,999, repayment period 48 months or above, customer is eligible for HK$5,800 Apple Store Gift Card

Loan amount HK$300,000 - HK$499,999, repayment period 48 months or above, customer is eligible for HK$5,800 ParknShop e-Voucher

Loan amount HK$300,000 - HK$499,999, repayment period 48 months or above, customer is eligible for HK$5,800 HKTVMall e-Voucher

Loan amount HK$300,000 - HK$499,999, repayment period 48 months or above, customer is eligible for HK$5,800 Cash (automatically converted from 58,000 SmartPoints and directly deposited into FPS account)

Loan amount HK$500,000 - HK$799,999, repayment period 48 months or above, customer is eligible for Dyson CameraJet™ Electric Toothbrush with Flosser (HK$4,290, random color) + Dyson Supersonic r™ hair dryer HD17 (HK$3,990, random color)

Loan amount HK$500,000 - HK$799,999, repayment period 48 months or above, customer is eligible for HK$7,300 Apple Store Gift Card

Loan amount HK$500,000 - HK$799,999, repayment period 48 months or above, customer is eligible for HK$7,300 ParknShop e-Voucher

Loan amount HK$500,000 - HK$799,999, repayment period 48 months or above, customer is eligible for HK$7,300 HKTVMall e-Voucher

Loan amount HK$500,000 - HK$799,999, repayment period 48 months or above, customer is eligible for HK$7,300 Cash (automatically converted from 73,000 SmartPoints and directly deposited into FPS account)

Loan amount HK$800,000 - HK$1,499,999, repayment period 48 months or above, customer is eligible for Antigravity A1 8K 360 Panoramic Drone (Standard Bundle) (HK$9,999)

Loan amount HK$800,000 - HK$1,499,999, repayment period 48 months or above, customer is eligible for HK$9,800 Apple Store Gift Card

Loan amount HK$800,000 - HK$1,499,999, repayment period 48 months or above, customer is eligible for HK$9,800 Parknshop e-Voucher

Loan amount HK$800,000 - HK$1,499,999, repayment period 48 months or above, customer is eligible for HK$9,800 HKTVMall e-Voucher

Loan amount HK$800,000 - HK$1,499,999, repayment period 48 months or above, customer is eligible for HK$9,800 Cash (automatically converted from 98,000 SmartPoints and directly deposited into FPS account)

Loan amount HK$1,500,000 - HK$1,999,999, repayment period 48 months or above, customer is eligible for HK$11,300 Apple Store Gift Card

Loan amount HK$1,500,000 - HK$1,999,999, repayment period 48 months or above, customer is eligible for HK$11,300 ParknShop e-Voucher

Loan amount HK$1,500,000 - HK$1,999,999, repayment period 48 months or above, customer is eligible for HK$11,300 HKTVMall e-Voucher

Loan amount HK$1,500,000 - HK$1,999,999, repayment period 48 months or above, customer is eligible for HK$11,300 Cash (automatically converted from 113,000 SmartPoints and directly deposited into FPS account)

Loan amount HK$2,000,000 or above, repayment period 48 months or above, customer is eligible for HK$16,300 Apple Store Gift Card

Loan amount HK$2,000,000 or above, repayment period 48 months or above, customer is eligible for HK$16,300 ParknShop e-Voucher

Loan amount HK$2,000,000 or above, repayment period 48 months or above, customer is eligible for HK$16,300 HKTVMall e-Voucher

Loan amount HK$2,000,000 or above, repayment period 48 months or above, customer is eligible for HK$16,300 Cash (automatically converted from 163,000 SmartPoints and directly deposited into FPS account)

MoneySmart Exclusive

💰 【September Spending Plan — Get HK$800 Cash + HK$200 Apple Store Gift Card + Early Bird Rewards Worth Up to HK$21,300】
After back-to-school expenses, festive planning and daily family spending, September is the perfect time to review your budget and keep your cash flow more flexible. From 18 September (10:00am) to 30 September 2026, customers who successfully apply for and draw down a Citi Speedy Cash / Citi Tax Season Loan / Citi Card Debt Consolidation Loan via MoneySmart can enjoy total rewards worth up to HK$21,300!
⠀⠀

Submit all required loan documents and apply for a loan amount of HK$200,000 or above with a repayment tenor of 12 months or above to receive a HK$800 Cash Reward + HK$200 Apple Store Gift Card!
⠀⠀

✨ 【Upgraded Drawdown Rewards — Choose Up to HK$16,300 Cash / Vouchers, Dyson New Products or a 360° Drone】
New customers who successfully apply from 18 September (10:00am) to 30 September 2026 and successfully draw down the loan on or before 14 October 2026 can choose their favourite MoneySmart-exclusive reward: HK$16,300 Apple Store Gift Card / ParknShop e-Vouchers / HKTVmall e-Vouchers / Cash, or rewards worth up to HK$9,999, including a 360° drone.

Valid till 30 Sep 2026

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 30 September 2026 and draw down the loan on or before 14 October 2026, will be eligible for MoneySmart exclusive gifts
Customers must complete and submit the redemption form after logging in to MoneySmart before 15 October 2026
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

【 September Exclusive — HK$800 cash rewards + HK$200 Apple Store Gift Card regardless of approval!】
From 18 September (10:00am) to 30 September 2026, customers who successfully apply for Citi Speedy Cash / Citi Tax Season Loan / Citi Card Debt Consolidation Loan and submit the required documents, will be entitled for HK$800 cash rewards (converted from 8,000 SmartPoints) + HK$200 Apple Store Gift Card.
1. Apply a loan amount of HK$200,000 or above;
2. With a 12-month repayment period or longer tenure;
3. Submit the required documents

【MoneySmart Exclusive Offer】
New customers who successfully apply for the Citi Speedy Cash / Citi Tax Season Loan / Citi Card Debt Consolidation Loan during 18 September 2026 (10:00am) to 30 September 2026 and successfully draw down on or before 14 October 2026 would be eligible for MoneySmart exclusive gift :

Drawdown Amount	Drawdown Offers
HK$100,000 - HK$199,999	Bose QuietComfort Headphones (2nd Gen) Bluetooth Headset (HK$2,499, random color) / HK$2,200 Apple Store Gift Card / HK$2,200 Parknshop e-Voucher / HK$2,200 HKTVmall e-Vouchers / HK$2,200 Cash (Repayment period 12 months or above)
HK$200,000 - HK$299,999	TEFAL BR453A RO Water Purifier Compact (HK$3,998) / HK$2,800 Apple Store Gift Card / HK$2,800 Parknshop e-Voucher / HK$2,800 HKTVmall e-Vouchers / HK$2,800 Cash (Repayment period 12 months or above)
HK$300,000 - HK$499,999	Insta 360 X6 Essentials Bundle (HK$5,699, random color) / HK$5,800 Apple Store Gift Card / HK$5,800 Parknshop e-Voucher / HK$5,800 HKTVmall e-Vouchers / HK$5,800 Cash (Repayment period 12 months or above)
HK$500,000 - HK$799,999	Dyson CameraJet™ Electric Toothbrush with Flosser (HK$4,290, random color) + Dyson Supersonic r™ hair dryer HD17 (HK$3,990, random color) / HK$7,300 Apple Store Gift Card / HK$7,300 Parknshop e-Voucher / HK$7,300 HKTVmall e-Vouchers / HK$7,300 Cash (Repayment period 12 months or above)
HK$800,000 - HK$1,499,999	Antigravity A1 8K 360 Panoramic Drone (Standard Bundle) (HK$9,999) / HK$9,800 Apple Store Gift Card / HK$9,800 Parknshop e-Voucher / HK$9,800 HKTVmall e-Vouchers / HK$9,800 Cash (Repayment period 12 months or above)
HK$1,500,000 - HK$1,999,999	HK$11,300 Apple Store Gift Card / HK$11,300 Parknshop e-Voucher / HK$11,300 HKTVmall e-Vouchers / HK$11,300 Cash (Repayment period 12 months or above)
HK$2,000,000 or above	HK$12,300 Apple Store Gift Card / HK$12,300 Parknshop e-Voucher / HK$12,300 HKTVmall e-Vouchers / HK$12,300 Cash (Repayment period <48 months) ⠀⠀ HK$16,300 Apple Store Gift Card / HK$16,300 Parknshop e-Voucher / HK$16,300 HKTVmall e-Vouchers / HK$16,300 Cash (Repayment period 48 months or above)

【Citi Drawdown Offer】

Customers who successfully apply for between Sep 18, 2026 (10:00am) to Dec 31, 2026 (both dates inclusive) and draw down on or before Jan 14, 2027 with a specific loan amount and repayment period will be eligible for supermarket cash coupon
The Early Bird Offer Promotion Period runs from 18 September 2026 (10:00am) to 18 October 2026, both dates inclusive.
Only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited at the time of application.

Drawdown Amount	Repayment period of 12-24 months	Repayment period of 48 months or above:
HK$100,000-HK$499,999	Up to HK$1,500 reward	Up to HK$2,500 reward
HK$500,000-HK$799,999,	Up to HK$2,000 reward	Up to HK$3,000 reward
HK$800,000-HK$1,499,999	Up to HK$2,500 reward	Up to HK$3,500 reward
HK$1,500,000 or above	Up to HK$3,000 reward	Up to HK$4,000 reward

For more details, please refer to the terms and conditions.

Cash rewards fulfilled by MoneySmart will be automatically converted from SmartPoints and deposited directly into your FPS account.

T&Cs FAQ Claim Form

Loan Details

Good For

Salaried employees needing a substantial loan with manageable repayments to consolidate existing debts effectively.

Hong Kong residents seeking extended repayment terms for large purchases or significant financial commitments.

Full-time workers aiming to minimize interest on borrowed funds through competitive APR and straightforward conditions

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, insurance company, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

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ARE YOU ELIGIBLE?

WHAT YOU NEED TO KNOW

Loan Details

Good For

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Repayment Summary

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Eligibility

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