TAX SEASON LOAN

Up to 12x your monthly salary and
up to HK$4,200 in rewards

Up to 12x your monthly salary and 
up to HK$4,200 in rewards

Grasp the chance to enjoy low interest cash at this time of year to fulfill your plans. Act now to enjoy up to HK$4,200 in cash coupons!

Top reasons to get a Tax Season Loan

  • Entire Tax Season Loan's APR as low as 1.86%1
  • Loan amount up to 12X your monthly salary5
  • Repayment term up to 48 months
  • Handling fee as low as HK$04
  • No hidden Terms and Conditions
  • Entire Tax Season Loan's APR as low as 1.86%1
  • Loan amount up to 12X your monthly salary5
  • Repayment term up to 48 months
  • Handling fee as low as HK$04
  • No hidden Terms and Conditions

Act Now

Act Now

Apply by phone

(852) 2963 6442e(852) 2963 6442e

Apply Online

Act Now

Apply by phone

(852) 2963 6442e(852) 2963 6442e

Apply Online

Welcome Offer

Exclusive Online Offer

Exclusive Online Offer

Loan Amount (HK$) Cash Coupon (HK$)
(Repayment Term of 12-48 Months)
>=$1,500,000 $2,900
$1,000,000 - <$1,500,000 $2,400
$500,000 - <$1,000,000 $1,000
$200,000 - <$500,000 $500

Cash Rebate Offer for opening a designated Citibank account3:

Citibank Account Cash Rebate Offer (HK$)
Citigold/ Citigold Private Client $1,500
Citi Priority $1,000
Citibanking $500
Rate Table

Our tax season loan is simple and direct with no hidden terms.

Loan Amount (HK$) Monthly Flat Rate Annualized Percentage Rate6 Monthly Interest Amount6 (HK$)
(Every HK$100,000 Loan Amount )
Tax Season Loan Open a
Citibank Account*
>=$1,500,000 0.105% 1.99% 1.86% $105
$1,000,000 - <$1,500,000 0.113% 2.12% 1.95% $113
$500,000 - <$1,000,000 0.121% 2.39% 2.08% $121
$200,000 - <$500,000 0.137% 2.75% 2.13% $137
$50,000 - <$200,000 0.155% 3.48% 2.23% $155
Loan Amount (HK$) Monthly Flat Rate Annualized Percentage Rate6 Monthly Interest Amount6 (HK$)
(Every HK$100,000 Loan Amount)
Tax Season Loan Open a
Citibank Account*
>=$1,500,000 0.105% 1.99% 1.86% $105
$1,000,000 - <$1,500,000 0.113% 2.12% 1.95% $113
$500,000 - <$1,000,000 0.121% 2.39% 2.08% $121
$200,000 - <$500,000 0.137% 2.75% 2.13% $137
$50,000 - <$200,000 0.155 3.48% 2.23% $155

*Examples for opening a Citi Priority account. You can enjoy more offers when opening a Citigold or Citigold Private Client account.

Unlimited Referral Bonus

Refer your friends to apply for a Tax Season Loan and both you and your friends can enjoy the cash coupons. There’s no cap on the number of referrals!

No. of Successful Referrals Cash Coupon
HK$300
HK$300 X2
and so on HK$300 and so on
Referee gets HK$300
How To Apply

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

  • Hong Kong 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

Remarks:Remarks:

a.
Customers who submit their applications online before noon will be contacted by our Banking Officers within the same business day (excluding Saturday, Sundays and Public Holidays) with preliminary approval status (including interest rate and loan details). Duplicate applications will impact the application process, please submit your application only once.
b.
Application Hotline service hours: Monday to Friday 9:00a.m. - 8:00p.m., Saturday 9:00a.m. - 6:00p.m.

Terms and Conditions:Terms and Conditions:

Promotional Terms & Conditions

  1. The Annualized Percentage Rate ("APR") of 1.86% is only applicable to selected individual customers and is calculated based on the monthly flat rate 0.105% with a loan amount of HK$1,500,000 and a tenor of 12 months, inclusive of the HK$2,900 cash coupon reward and HK$1,000 Cash Rebate Offer. 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. The monthly interest amount for every HK$100,000 loan amount is HK$105 (HK$100,000 x 0.105% = HK$105). For the definition of Annualized Percentage Rate ("APR") , please refer to clause (8).
  2. Cash coupon rewards are only applicable to customers ("Eligible Customers") who successfully apply and draw down a Citibank Tax Season Loan (with specified loan amount and repayment terms of 12 months or above) between December 1, 2015 and January 31, 2016, both dates inclusive ("Promotion Period") . Customers who currently hold and/ or have held any Citibank Personal Loan account with Citibank (Hong Kong) Limited ("Citibank") within the past 12 months from the date of application are not eligible.

    Loan Amount (HK$) Repayment Term Cash Coupon (HK$)
    >= $1,500,000 12-48 months $2,900
    $1,000,000 - < $1,500,000 12-48 months $2,400
    $500,000 - < $1,000,000 12-48 months $1,000
    $200,000 - < $500,000 12-48 months $500
  3. To be eligible for the additional cash rebate offer (“Cash Rebate Offer” – Citibanking customers can enjoy HK$500 cash rebate, while Citi Priority customers can enjoy HK$1,000 cash rebate and Citigold customers / Citigold Private Clients can enjoy HK$1,500 cash rebate), customers (“Eligible Cash Rebate Offer Customers) must fulfill the below requirements:
    • Successfully apply for a Citibank Tax Season Loan during the Promotion Period with a loan amount of HK$10,000 or above (for Citibanking customers) or HK$30,000 or above (for Citi Priority customers) or HK$40,000 or above (for Citigold customers / Citigold Private Clients) and a repayment period of 12 months or above and draw down the loan on or before January 31, 2016 while fulfilling the respective terms and conditions.
    • Successfully open a Citibanking or Citi Priority or Citigold or Citigold Private Client account during the Promotion Period and be the primary account holder, and use the account as the repayment account of the Tax Season Loan and fulfill the respective terms and conditions so as to be eligible for the Citibanking or Citi Priority or Citigold or Citigold Private Client welcome offer (Please refer to the promotion leaflet of Citibanking, Citi Priority or Citigold or Citigold Private Client or visit www.citibank.com.hk for details and terms and conditions of the welcome offer).
    • The offer is not applicable to customers who are holding or have successfully applied for or cancelled any Citibank banking account or customers who are currently holding and/or have held any Citibank Personal Loan account with Citibank within the past 12 months from the date of application. The offer will be credited to the Citibanking or Citi Priority or Citigold or Citigold Private Client account of the Eligible Cash Rebate Offer Customers together with the Citibanking/ Citi Priority/ Citigold/ Citigold Private Client welcome offer.
    • The loan account of the Eligible Customers must be in good condition without late payment or early repayment; otherwise the offer will be forfeited. If the Eligible Customers have made early settlement of /cancelled Citibank Tax Season Loan accounts after the Cash Rebate Offer is credited, Citibank reserves the right to charge the Cash Rebate Offer AND the early repayment fee for the Tax Season Loan (which is based on a rate on the entire principal amount of the loan as set out in the Drawdown Letter). If the loan or banking account status has changed, Citibank reserves the right to terminate the Cash Rebate Offer to the Eligible Cash Rebate Offer Customers without prior notice.
    • The offer cannot be used in conjunction with any other promotion offers, except the Tax Season Loan offer.
    • The offer is not eligible for U.S. persons.
  4. Only applicable to selected individual customers.
  5. Loan amount is up to 12 times monthly salary or HK$2,000,000, whichever is lower.
  6. The example is for reference only. 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, subject to a 12-month tenor and a loan amount of HK$1,500,000, HK$1,100,000, HK$600,000, HK$300,000 and HK$150,000 and inclusive of the cash coupon rewards (if any) and HK$1,000 Cash Rebate Offer (if any). Interest is calculated on the basis of 365 days per year. The monthly interest amount is calculated according to a 12-month tenor using HK$100,000 as the loan amount basis and rounded up to the nearest integer. The actual monthly flat rate and APR may differ and are subject to the actual loan amount and credit assessment result of the individual customer. For definition of Annualized Percentage Rate ("APR"), please refer to clause (8).
  7. A reward redemption letter will be mailed to the Eligible Customers correspondence address on or before April 30, 2016.
  8. APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
  9. Cash coupon rewards are subject to availability. Citibank reserves the right to offer an alternative gift or benefit in substitution of the cash coupon rewards without prior notice. Cash coupon rewards cannot be converted to cash and are not replaceable in the event of any loss or damage. The use of the cash coupon rewards are bounded by the relevant terms and conditions printed therein and Citibank 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 product or services.
  10. Citibank Tax Season Loan accounts of Eligible Customers must be valid and in good condition without any late payment or early repayment, otherwise Citibank reserves the right to forfeit the eligibility of an Eligible Customer to participate in this promotion and the Eligible Customer shall immediately repay to Citibank the full amount of cash coupon rewards under this promotion .
  11. If Eligible Customers have made early settlement of /cancelled Citibank Tax Season Loan accounts after the cash coupon rewards are awarded, Citibank reserves the right to charge:

    • the full amount of the cash coupon rewards (if applicable); AND.
    • the early repayment fee for Citibank Tax Season Loan (which is based on a rate on the entire principal amount as set out in the Drawdown Letter).

  12. Citibank Tax Season Loan is the product of Citibank Personal Loan and is subject to the "Terms and Conditions for Citibank Personal Loan".
  13. The monthly flat rate / annualized percentage rate (“Interest Rate”) stated in this promotional material may subject to change within the Promotion Period, for the latest Interest Rate, please visit www.citibank.com.hk or visit Citibank branches for enquiry.
  14. Citibank reserves the right to amend these terms and conditions at any time without prior notice.
  15. In case of dispute, the decision of Citibank shall be final and conclusive.
  16. 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.

Terms and Conditions of Online Welcome Offer ("Online Offer")

  1. The promotion period (“Promotion Period”) of Online Offer is from January 1- 31, 2016, both dates inclusive.
  2. HK$300 Supermarket Cash Coupon (“Cash Coupon”) is applicable to customers who successfully submit the Citibank Loan Services Online Application Form with all required documents and drawdown a Citibank Debt Consolidation / Speedy Cash / Handy Loan/ Tax Season Loan ("Citibank Personal Loan") during the Promotion Period ("Online Offer Eligible Customers"). Only applicable to customers who currently do not hold and / or have held any Citibank Personal Loan account offered by Citibank (Hong Kong) Limited ("Citibank") within the past 12 months from the date of application.
  3. A Cash Coupon redemption letter will be mailed to the Online Offer Eligible Customer’s correspondence address on or before April 30, 2016.
  4. The cash coupons are available while stock lasts. Citibank reserves the right to replace the cash coupons with alternative gift without prior notice. The cash coupons offered cannot be converted to cash and are not replaceable in the event of any loss or damage. Citibank accepts no liability in respect of the quality of the products or services provided by the cash coupons supplier involved in this promotion. Cash coupons are subject to relevant terms and conditions printed therein. The respective suppliers are responsible for all obligations and liabilities in relation to such products or services.
  5. Online Offer Eligible Customers' Citibank Personal Loan accounts must be valid and in good condition without late payment or early payment, otherwise Citibank reserves the right to forfeit the eligibility of an Online Offer Eligible Customer to participate in this promotion and the Online Offer Eligible Customer shall immediately repay to Citibank the full amount of Online Offer awarded under this promotion.
  6. If Online Offer Eligible Customer are found to have made early settlement of/ cancel Citibank Personal Loan, Citibank reserves the right to debit:
    • the full amount of the Cash Coupon; AND
    • an early repayment fee for his/ her Personal Loan (which is based on a rate on the entire principal amount of the Personal Loan as set out in the drawdown letter).
  7. Citibank reserves the right to amend these Terms and Conditions at any time without prior notice.
  8. In case of disputes, the decision of Citibank shall be final and conclusive.
  9. 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.

Terms & Conditions of Personal Loan Referral Program ("Referral Program")

  1. The promotion period ("Promotion Period") of the Referral Program is from December 1, 2015 to January 31, 2016, both dates inclusive.
  2. To participate in this program, customers ("Referees") must successfully apply and draw down a Citibank Personal Loan (including Citibank Tax Season Loan, Citibank Card Debt Consolidation Loan and Citibank Speedy Cash) with a loan amount equal to or greater than HK$50,000 and repayment terms of 12 months or above during the Promotion Period. Each Referee must provide the English full name and Citibank Banking account ("Designated Banking Account")/ Citibank Credit Card ("Designated Credit Card Account")/ Diners Club Card account ("Designated Diners Club Card Account")/ Citibank Personal Loan account ("Designated Personal Loan Account")/ Citibank Ready Credit account ("Designated Ready Credit Account") number of his/her Referrer (as defined in clause 29) upon application. The English full name must correspond with the name of the account holder of the Designated Banking Account/ Designated Credit Card Account/ Designated Diners Club Card Account/ Designated Personal Loan Account/ Designated Ready Credit Account. Referees must not currently hold and/or have held any Citibank Personal Loan account with Citibank (Hong Kong) Limited ("Citibank") within the past 12 months from the loan application date. The Referrer and Referee cannot be the same person.
  3. "Referrers" include all existing banking, credit card, personal loan, and Ready Credit customers of Citibank and Diners Club card customers of Diners Club International (HK) Ltd ("Diners") ("Referrers").
  4. For each successful referral, Referees will be entitled to a HK$300 cash coupon while Referrers will be entitled to a HK$300 cash coupon.
  5. A cash coupon redemption letter will be mailed out to the Referrers’ and Referees’ respective correspondence address with Citibank by April 30, 2016 without further notice. The cash coupons are available while stock lasts. Citibank reserves the right to replace the cash coupons with an alternative gift without prior notice. The cash coupons offered cannot be converted to cash and are not replaceable in the event of any loss or damage. Citibank accepts no liability in respect of the quality of the products and services provided by the cash coupons supplier involved in this promotion. Cash coupons are subject to the relevant terms and conditions printed therein. The respective suppliers are responsible for all obligations and liabilities in relation to such product or services.
  6. Citibank Banking Account and/or Citibank Credit Card Account and/or Citibank Personal Loan Account and/or Diners Club Card Account and/or Citibank Ready Credit Account of Referrers and Referees must be valid, in good condition and without late payment or early repayment (if applicable) at the time of fulfillment, otherwise Citibank reserves the right to forfeit the eligibility of the Referrers and/or Referees to participate in this promotion and the Referrers and/or Referees shall immediately repay to Citibank the full amount of cash coupons awarded under this promotion.
  7. If Referees are found to have made early settlement of /cancelled Citibank Personal Loan, Citibank reserves the right to charge:

    • the full amount of the cash coupons; AND
    • the early repayment fee for Citibank Personal Loan (which is based on a rate on the entire principal amount as set out in the Drawdown Letter)
  8. All Citibank staff is not eligible to participate in this Referral Program.
  9. If customers are entitled to receive any other promotional offers under other promotions, Citibank reserves the right to provide only one of the promotion offers at its sole discretion.
  10. Citibank reserves the right to amend these terms and conditions at any time without prior notice.
  11. In case of dispute, the decision of Citibank shall be final and conclusive.
  12. 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.