TAX LOAN

Enjoy low rates and up to HK$2,800 cash coupon

Enjoy low rates and up to HK$2,800 cash coupon

Get a simple and direct tax season loan to help you easily pay taxes, have extra cash on hand – and enjoy savings and rewards. Enjoy a rate as low as 1.90%1, large loan sizes, up to 48 months to repay and no handling fees.

Top reasons to get a Tax Season Loan

  • Annualized Percentage Rate as low as 1.90%1
  • Early repayment fee waiver7
  • HK$0 handling fee4
  • Loan amount up to 12X of your monthly salary5
  • Repayment term 6-48 months

Act Now

  • For enquiries, call our Application Hotline at (852) 2962 8168# (852) 2962 8168#
Welcome Offer

Exclusive Online Offer

Loan Amount (HK$) Cash Coupon for (HK$)
12/18/24-month repayment 30-month or longer repayment
>=$1,500,000 $2,300 $2,500
$1,000,000 - <$1,500,000 $1,800 $2,000
$500,000 - <$1,000,000 $800 $1,000
$200,000 - <$500,000 $300 $500

Enjoy extra rewards

Selected customers will enjoy an extra bonus of HK$300 cash coupon3!

Earn extra HK$1,000 cash rebate for payroll account opening37-46.
Rate Table

Our tax season loan is simple and direct with no hidden terms. Your monthly interest is as low as HK$98 for every HK$100,0001.

Loan Amount (HK$) Monthly Flat Rate Annualized Percentage Rate6 Monthly Interest Amount (HK$)
(Every HK$100,000 Loan Amount )6
>=$1,500,000 0.098% 1.90% $981
$1,000,000 - <$1,500,000 0.104% 1.99% $104
$500,000 - <$1,000,000 0.116% 2.30% $116
$200,000 - <$500,000 0.139% 2.83% $139
$50,000 - <$200,000 0.169% 3.83% $169
Unlimited Referral Bonus

Refer your friends to apply for Tax Season Loan, you and your friends can enjoy the cash coupons. No cap on number of referrals!

No. of Successful Referrals Cash Coupon for Each Successful Referral
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:

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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.
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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 1.90% is only applicable to selected individual customers and is calculated based on the monthly flat rate 0.098% with loan amount of HK$1,500,000 and tenor of 12 months, inclusive of HK$2,300 cash coupon reward. 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 or 366 days (if applicable) per year. The actual APR applicable may differ. Monthly interest amount for every HK$100,000 loan amount is HK$98 (HK$100,000 x 0.098% = HK$98).
  2. Cash coupon rewards are only applicable to customers ("Eligible Customers") who successfully apply between October 6, 2014 and November 30, 2014, both dates inclusive ("Promotion Period"), and drawdown a Citibank Tax Season Loan (with specified loan amount and repayment terms of 12 months or above) on or before December 15, 2014. 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 30/36/42/48 months $2,500
    12/18/24 months $2,300
    $1,000,000 - < $1,500,000 30/36/42/48 months $2,000
    12/18/24 months $1,800
    $500,000 - < $1,000,000 30/36/42/48 months $1,000
    12/18/24 months $800
    $200,000 - < $500,000 30/36/42/48 months $500
    12/18/24 months $300
  3. Additional HK$300 cash coupon reward will be offered to Eligible Customers whose employer is classified as selected industries ("Selected Industries"): Banking / Finance, Investment, Government, Education, Accounting / Audit, Legal Firm, Medical / Dental and Airlines. Selected Industries shall be determined at the sole and absolute discretion of Citibank. Please contact our Application Hotline for enquiry about the eligibility of any employer.
  4. Only applicable to selected individual customers.
  5. Loan Amount is up to 12 times of 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 12-month tenor and loan amount of HK$1,500,000, HK$1,000,000, HK$500,000, HK$200,000 and HK$50,000 and inclusive of the cash coupon rewards (if any). Interest is calculated on the basis of 365 days or 366 days (if applicable) per year. Monthly interest amount is calculated according to 12-month tenor using HK$100,000 as 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 individual customer.
  7. Early repayment fee waiver is subject to credit assessment result of individual customer and on first-come-first serve basis with limited quota. Customers who make early repayment within 24 months from the date of loan drawdown will NOT be entitled to the fee waiver.
  8. Reward redemption letter will be mailed to the Eligible Customers correspondence address on or before April 30, 2015.
  9. Cash coupon rewards are subject to availability. Citibank reserves the right to offer 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 redeemed, Citibank reserves the right to debit:

    • 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) (if applicable).
  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. Citibank reserves the right to amend these terms and conditions at any time without prior notice.
  14. In case of dispute, the decision of Citibank shall be final and conclusive.
  15. 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. HK$300 Cash Coupon Rewards is applicable to customers ("Eligible Customers") who successfully submit the Citibank Loan Services Online Application Form with all required documents and drawdown a Citibank Tax Season Loan between October 6, 2014 and December 31, 2014, 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.
  2. Reward redemption letter will be mailed to the Eligible Customers’ correspondence address on or before April 30, 2015.
  3. Cash coupon rewards are subject to availability. Citibank reserves the right to offer 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.
  4. 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.
  5. If Eligible Customers have made early settlement of /cancelled Citibank Tax Season Loan accounts after the cash coupon rewards are redeemed, Citibank reserves the right to debit:

    • 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) (if applicable).
  6. Citibank Tax Season Loan is the product of Citibank Personal Loan and is subject to the "Terms and Conditions for Citibank Personal Loan".
  7. Citibank reserves the right to amend these terms and conditions at any time without prior notice.
  8. In case of dispute, 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 Referral Program is from October 6, 2014 to November 30, 2014, both dates inclusive.
  2. To participate in this program, customers ("Referees") must successfully apply during Promotion Period and drawdown a Citibank Personal Loan (including Citibank Tax Season Loan, Citibank Card Debt Consolidation Loan and Citibank Speedy Cash) with loan amount equal to or greater than HK$50,000 and repayment terms of 12 months or above on or before December 15, 2014. 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 27) 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. 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 HK$300 cash coupon while Referrers will be entitled to HK$300 cash coupon.
  5. A redemption letter of cash coupon will be mailed out to the Referrers’ and Referees’ respective correspondence address with Citibank by April 30, 2015 without further notice. 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 and 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 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 debit:

    • 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.

Terms & Condition of "Payroll x Tax Season Loan" Extra Offer:

  1. The promotion offer is valid from October 6, 2014 to December 31, 2014, inclusive of both dates ("the Promotional Period").
  2. Citibanking clients will enjoy HK$500 cash rebate while Citigold clients will enjoy HK$1,000 cash rebate.
  3. The offer is not applicable to clients who are holding or have successfully applied for or cancelled any Citibank banking account or Citibank Personal Loan now or within the past 12 months from the date of application.
  4. Clients must fulfill the below requirements during the Promotional Period to enjoy the extra offer:

    • Successfully apply for and drawdown a Citibank Tax Season Loan ("Tax Season Loan") with loan amount of HK$10,000 or above and repayment period of 12 months or above and fulfill the respective terms and conditions (Please refer to the above Promotional Terms and Conditions of the Tax Season Loan offer for details);
    • Successfully open a Step-Up Interest Account and be the primary account holder, use the account as the repayment account of the Tax Season Loan, and deposit monthly salary into the account and fulfill the respective terms and conditions so as to be eligible for the payroll account welcome offer (Please refer to the promotion leaflet of the payroll account welcome offer or visit www.citibank.com.hk/flynow for details);
  5. The offer will be credited to the client's Step-Up Interest Account together with the payroll account welcome offer. Please refer to the promotion leaflet of the payroll account welcome offer or visit www.citibank.com.hk/flynow for details.
  6. The account of the eligible client must be in good condition without late payment or early payment, otherwise the offer will be forfeited. If the eligible client has settled early or cancelled the Tax Season Loan, Citibank (Hong Kong) Limited ("Citibank") reserves the right to debit the value of the 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 account status has changed, Citibank reserves the right to terminate the offer to the eligible client without prior notice.
  7. The offer cannot be used in conjunction with any other promotion offers, except the Tax Season Loan offer and the payroll account welcome offer.
  8. The offer is not applicable for U.S. persons.
  9. Citibank reserves the right to amend any of these terms and conditions without further notice. Should there be any dispute, Citibank’s decision will be final.
  10. 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