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Citi Tax Season Loan Annualized Percentage Rate as low as 1.78%

Citi Tax Season Loan
Annualized Percentage Rate
as low as 1.78%b

Apply now

Citi offers you Tax Season Loan with an Annualized Percentage Rate as low as 1.78%b and HK$0 handling fee. You can enjoy up to HK$6,000 cash coupone if you apply successfully. Act now to enjoy a hassle-free tax season. (Click HERE for Personal Loan Key Fact Statement)

Same day approval and same day loan disbursementa

Annualized Percentage Rate
as low as 1.78%b

Loan amount up to
12X
monthly salaryc

Repayment term up to
60 monthsd

Earn up to HK$6,000
cash coupone

  • To apply for Citi Tax Season Loan, you will need to fulfill the following requirements:

    • • Hong Kong permanent resident aged 18 or above
    • • In full-time employment with present employer for at least 3 months
    • • Monthly salary of HK$6,000 or above

To borrow or not to borrow?
Borrow only if you can repay!

Useful Links
Submit Supporting Documents
Frequently Asked Questions
Terms & Conditions for Citibank Personal Loan
Key Facts Statement for Citibank Personal Loan
Fees Schedule for Citi Personal Loans


 

  • The annualized percentage rate ("APR") ranges from 1.78% to 44.72%, with repayment period of 6 to 60 months.
  • The Annualized Percentage Rate ("APR") of as low as 1.78% is calculated based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment tenor of 12 months.
  • The Annualized Percentage Rate ("APR") of as low as 44.72% is calculated based on the monthly flat rate 1.79% with loan amount of HK$90,000 and repayment tenor of 12 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 HKD200,000 with 12 months repayment period, the monthly flat rate is 0.22% (APR 4.95%), and the total loan repayment amount is HKD205,284 (including full handling fee waiver). The above example is for reference only.

 

Remarks:

  • Same day approval and same day loan disbursement is only applicable to selected customers who successfully submit the required documents together with a filled in application form before 10am of that working day (Monday to Friday). Actual approval and loan disbursement time may differ based on the information provided.
  • The Annualized Percentage Rate ("APR") of as low as 1.78% is calculated based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment tenor of 12 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.
  • Loan amount of Citi Tax Season Loan is up to 12x times of your monthly salary or HK$2,000,000, whichever is lower.
  • Repayment period of Citi Tax Season Loan is of 6 to 60 months.
  • Cash coupon reward up to HK$6,000 is only applicable to customer of Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders and successfully drawdown loan amount HK$1,500,000 with repayment period of 42 months or above.
  • Application hotline service hours: Monday to Friday 9:00am - 7:00pm. (not applicable to public holiday)

 

Terms and Conditions of Citi Tax Season Loan Promotion (“Offer”)

  • The Offer promotion period is from October 1, 2020 to December 31, 2020, both dates inclusive ("Promotion Period").
  • Customers who successfully apply for Citi Tax Season Loan within the Promotion Period and drawn down on or before January 15, 2021 with a specific loan amount and repayment term 12 months or above (“Eligible customers”) will be eligible for the Offer. Only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited (“The Bank”) at the time of application.

    Offer

    Loan Amount (HK$)

    Reward for Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders

    Reward for other customers

    Additional Reward for repayment period of 42 months or above

    HK$1,500,000 or above

    HK$4,000 cash coupon

    HK$2,000 cash coupon

    HK$2,000 cash coupon

    HK$1,000,000 to HK$1,499,999

    HK$2,000 cash coupon

    HK$1,500 cash coupon

    HK$2,000 cash coupon

    HK$500,000 to HK$999,999

    HK$1,500 cash coupon

    HK$1,000 cash coupon

    HK$1,000 cash coupon

    HK$200,000 to HK$499,999

    HK$1,000 cash coupon

    HK$700 cash coupon

    HK$1,000 cash coupon

  • The Reward for Citigold Private Client/ Citigold/ Citi ULTIMA cardholders is only applicable to who fulfill the following requirements:
    - existing Citigold Private Client/ Citigold Client who currently hold Citigold Private Client/ Citigold account or Citi ULTIMA cardholders who currently hold Citi ULTIMA card with The Bank on the date of application; AND
    - existing Citigold Private Client should maintain the account balance at HK$8,000,000 or above, while Citigold Client should maintain the account balance at HK$1,500,000 or above from the date of application to the issue date of redemption letter.
  • Additional Reward for repayment period of 42 months or above is only applicable to customers who drawdown the specific loan amount and a minimum repayment period of 42 months.
  • The Annualized Percentage Rate ("APR") of 1.78% is calculated based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment tenor of 12 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. For definition of Annualized Percentage Rate ("APR"), please refer to clause (7).
  • The loan amount is up to 12 times of monthly salary or HK$2,000,000, whichever is lower.
  • APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
  • 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 March 31, 2021.
  • Cash coupon reward is subject to availability. The Bank reserves the right to offer an alternative gift or benefit in substitution of the cash coupon reward without prior notice. Cash coupon reward cannot be converted to cash and are not replaceable in the event of any loss or damage. The use of the cash coupon reward is bounded by the relevant terms and conditions printed therein and The Bank accepts no liability in respect of the quality of the products and services provided by the supplier involved in this promotion. The respective suppliers are responsible for all obligations and liabilities in relation to such products or services.
  • Each Eligible Customer can enjoy the Reward once during the Promotion Period.
  • Citibank Personal Loan account of Eligible Customers must be valid and in good condition without any late payment or early repayment, otherwise The Bank reserves the right to forfeit the eligibility of an Eligible Customer to participate in this promotion and the Eligible Customer shall immediately repay to The Bank full amount of Reward under this promotion.
  • If Eligible Customers have made early settlement of /cancelled Citi Tax Season Loan accounts after the Rewards are awarded, The Bank reserves the right to charge:
    • the full amount of the cash coupon reward (if applicable); AND
    • the early repayment fee for the Citi Tax Season Loan (which is based on a rate on the entire principal amount as set out in the Drawdown Letter).
  • The Offer cannot be used in conjunction with any other promotional offers.
  • Citi Tax Season Loan is the product of Citibank Personal Loan and is subject to the "Terms and Conditions for Citibank Personal Loan".
  • The Bank reserves the right to amend these terms and conditions at any time without prior notice.
  • In case of dispute, the decision of The Bank shall be final and conclusive.
  • In the event of discrepancy or inconsistency between this English version of the terms and conditions and the Chinese version, the English version shall prevail.
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