MoneySmart Exclusive

1.56% Low Interest!

Citi Tax Season Loan

1.56%

APR*

^HK$203,360

Total Amount Payable

^HK$3,360

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

🤑 【Tax Season Pit Stop — Citi Tax Loan Annualised Interest Rate as Low as 1.56% + Early Bird Rewards Worth Up to HK$21,300】
Tax season is here again — let MoneySmart help you make a Pit Stop for smarter cash flow planning! 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.
⠀⠀

【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including the latest flagship phone, electronic products, and Apple Store gift cards! Visit the campaign page for details. T&Cs apply.

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.

【📱Phone First, Work Later: Let the Top Scorers Get the Phone First!】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), customers who successfully apply for any designated product via MoneySmart (including credit cards, loans, investment accounts and travel insurance) with the eligibility requirements fulfilled, join the Mini Game on the campaign page, and submit your result in the reward redemption form. The Eligible Participants with the highest scores will stand a chance to win the new flagship phone, the latest electronic products and Apple Store Gift Cards (100 quotas in total)!
⠀⠀

【Campaign and Score Submission Rules】
・Submission Deadline: Eligible Customers must submit the claim form on or before 24 October 2026, along with a valid screenshot of their Mini Game score.
・More Applications, More Chances: For each successful application of a designated product, you may submit one form and one Mini Game score. You may replay the Mini Game an unlimited number of times to refresh your best score, and upload your most satisfactory score screenshot when submitting the form.
・Scores Cannot Be Reused: Each Mini Game score screenshot can only be used for single claim form; the same score record must not be reused.
・Results Announcement: The winner list will be announced on MoneySmart's social media page on 12 February 2027.
・Terms and Conditions: Please refer to the campaign page for details. Offer is subject to 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 professionals planning significant expenses requiring structured monthly repayments to manage financial stability.

High-income individuals seeking substantial sum loans with low APR for major life investments or taxes.

Full-time employees in need of a processing fee waiver and predictable repayment arrangements over extended terms.

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.

Citi Tax Season Loan

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ARE YOU ELIGIBLE?

WHAT YOU NEED TO KNOW

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