BEST INSTALLMENT DEALS

Best Installment Deals.

Best Installment Deals.

Citi Credit Cards provide flexible repayment methods so that you can enjoy shopping all the time!

Hottest 0% Installment Plan

Enjoy the "Hottest 0% Installment Plan" at over 500 merchants across a wide variety of categories with Citi Credit Cards!






Limited time offer:

From now till May 24, 2017, Citi credit cardholders who make interest-free installment purchases can receive up to HK$400 Wellcome supermarket vouchers. Enjoy shopping and earn extra rewards! Act Now!

Single transaction spending (HK$) Wellcome supermarket vouchers (HK$)
30,000 or above 300

Remark:

Reward is capped at the first 400 eligible transactions during the promotion period. Cardholder is only eligible for the Reward once during the entire promotion period.

Flexi-Installment Program

Spend HK$1,000 or above (per transaction) with your Citi Credit Card to enjoy a range of flexible repayment periods, making your purchases worry-free.

Apply at least 3 business days after your transaction is posted to the credit card account1

Monthly flat rate as low as 0.24%2

Flexible repayment period: 6 - 48 months3

Please call (852) 2860 0379 to apply or  APPLY NOW4

5 simple steps away from the "Flexi-Installment" Program:


1. Make a transaction of a specified amount5 with your Citi Credit Card.

2. You may receive an SMS with a designated link instantly. Click to apply for the installment program OR dial (852) 2860 0379 to apply if you do not receive an SMS.




3. Click "Confirm" to proceed with the preset repayment plan and application. More repayment plans are available for selection when you click "More options". Also, you can enjoy your plan at a personalized preferential rate.




4. A confirmation screen will appear.




5. Receive an SMS with the application result after the transaction is posted.


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

Remarks, Terms and Conditions:Remarks, Terms and Conditions:

Remarks:

  • Application of this Program must be made 3 business days after the transaction is made or posted to the Citi Credit Card account, whichever is later, and must be made 2 business days before the billing date of the transaction. The following transactions are not valid for this Program: balance transfer, interest-free hire purchase, Dial-a-Check Program, auto-pay, cash advance, casino chips, traveler's checks, all fees and charges (e.g. annual fee, finance charges, late charge), and any transaction that has been subject to cancellation, charge-back, returned.
  • The quoted Annualized Percentage Rate ("APR") for preferential Monthly Flat Rate ("Monthly Flat Rate") of 0.24% is 5.40%; 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. APR is calculated based on the guidelines as set out in the Code of Banking Practice and is based on 12-month installment period and HK$200,000 loan amount. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ. Monthly Flat Rate is individualized and subject to Eligible Cardholders’ Citi Credit Card account status at the time the request is received. Please call our Application Hotline at 2860 0376 to check for individualized Monthly Flat Rate.
  • Options of 6/12/18/24/30/36/42/48-month repayment periods are available.
  • Application via the web will not be processed if no verification has been done by Citibank (Hong Kong) Limited. Customers will be contacted within 3 working days counting from the day of when the customer first submitted the online application form stipulated in this promotional webpage.
  • "Specified amount" refers to HK$5,000 or above.

Terms and Conditions for "Hottest 0% Installment Plan" :

  • Cardholders need to sign up for the Interest Free Installment Plan at minimum transaction size of HK $2,000 and a minimum tenure of 6 months in order to be eligible for the above offers.
  • Unless otherwise specified, this promotion applies to cardholders ("Cardholders") of Citi Credit Cards issued by Citibank (Hong Kong) Limited (“Citibank”) (“Eligible Cards”). The Citi Rewards UnionPay Card and Citi Cash Back American Express®Card are not eligible for this promotion.
  • Citibank will determine the eligibility of Cardholders to participate in this promotion as well as the transactions based on Citibank’s records.
  • In case of any fraud/abuse/reversal or cancellation of transactions, Citibank reserves the right to debit from the Cardholder’s Eligible Card account without prior notice.
  • Unless otherwise specified, this promotion cannot be used in conjunction with other special promotions, discounts or promotional coupons, nor be transferred or exchanged for cash or other offers.
  • Availability of the offers is subject to offer or service availability, account status checking and final acceptance by Citibank and the Merchant at their absolute discretion. Photos, product specifications and prices are for reference only.
  • Citibank shall not be responsible for any matters in relation to the related products or services. The Merchant is solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services. Please contact the Merchant for details.
  • Citibank and the Merchant reserve the right to amend the terms & conditions without prior notice. All matters and disputes are subject to the final decision of Citibank and the Merchant.
  • In the event of any discrepancy between the English and Chinese versions of these terms & conditions, the English version shall prevail.

Terms and Conditions for Citi Credit Card "Flexi-Installment" Program

  • Citi Credit Card "Flexi-Installment" Program ("the Program") is only applicable to designated Citibank principal credit cardholders (each an "Eligible Cardholder") as stated in the terms and conditions set forth herein and as communicated to the Eligible Cardholder from time to time (whether in writing or orally by telephone or otherwise) (the "Terms and Conditions").
  • A request by Eligible Cardholder for a loan under the Program will be deemed to be acceptance of the Terms and Conditions by the Eligible Cardholder. The Terms and Conditions shall be in addition and supplementary to and not in substitution or in derogation of Citi Credit Card Agreement or Citi Octopus Credit Card Agreement, whichever is applicable (each a "Cardholder Agreement"). The words and expressions used herein shall have the same meaning as in the relevant Cardholder Agreement unless the context otherwise requires. In case of any inconsistency between the Terms and Conditions and the relevant Cardholder Agreement, the Terms and Conditions shall prevail.
  • The Eligible Cardholder confirms that this application is not referred by a third party. Availability of the Program is subject to account status checking, available credit limit or loan limit (whichever applicable) at the time the request is received and the final acceptance by Citibank (Hong Kong) Limited ("Citibank") in its absolute discretion. Citibank has the right to revise the final approved loan amount ("Loan").
  • Eligible Cardholder must apply the Loan with a minimum amount of HK$ 1,000.
  • Application of the Program must be made 3 business days after the transaction is made or posted to the Citi Credit Card account (the "Account"), whichever is later, and must be made 2 business days before the billing date of the transaction. The following transactions are not valid for this Program: balance transfer, interest-free hire purchase, Dial-a-Check Installment Program, auto-pay, cash advance, casino chips, traveler's checks, all fees and charges (e.g. annual fee, finance charges, late charge), and any transaction that has been subject to cancellation, charge-back, returned.
  • The Loan will be deducted from the available credit limit or loan limit of the Account upon approval of the application. The credit limit or loan limit will be restored in accordance with your payment. In addition, if the Loan is deducted from the loan limit upon approval of the application, the Monthly Installment Amount (as defined below) shall be deducted from the available credit limit upon such approval until the full settlement of the Loan.
  • An initial fee ("Initial Fee") will be charged only once. It is calculated by multiplying

    1. the Loan;
    2. the monthly flat rate from time to time applicable to the Eligible Cardholder ("Monthly Flat Rate");
    3. the number of days from the transaction date to the first statement date, and dividing the total by 30 days. The Initial Fee will be payable on the first statement date.
  • A monthly fee ("Monthly Fee") will be charged monthly from the first statement date until the full settlement of the Loan at the Monthly Flat Rate, and payable on each statement date commencing on the second statement date.
  • Eligible Cardholder shall repay the Loan by way of monthly installments (the "Monthly Installment Amount") from the second statement date onwards. The Monthly Installment Amount is calculated by dividing the aggregate of the Loan and all the Monthly Fee by the relevant number of installments. The Annualized Percentage Rate ("APR") of the Loan is calculated in accordance with the method set out in the relevant guidelines issued by the industry associations and is based on a 365-day installment period using Net Present Value method. Citibank shall have the right at its discretion to apportion any installment payment between interest and principal in such manner as it shall desire.
  • Points, Octopus Cash, Cash Rebate or any other promotional offers (if applicable) will be awarded according to the monthly billed principal.
  • Application cannot be cancelled, changed or reversed once submitted.
  • Without prejudice to other terms contained herein, if the entire statement balance stated in any monthly statement is not received in full by the payment due date, a finance charge (at the prevailing rate) will be imposed on

    • the Monthly Installment Amount (excluding the Monthly Fee and Initial Fee, if any) from the billing date until full payment is credited to the Account; and
    • the unpaid balance and the new transactions in accordance with the Cardholder Agreement. Other fees and charges as set out in the Cardholder Agreement will continue to apply.
  • The minimum payment due of the Monthly Installment Amount shall comprise of

    1. 1.5% of current month's billed principal and unbilled principal of the Loan;
    2. the Monthly Fee; and
    3. the Initial Fee, if any
  • Citibank shall have the right at its absolute discretion to request for full payment of the Loan on demand at any time. In the event of cancellation of the Account (or early repayment of the Loan in full) for whatever reason, the following will become immediately due and payable:

    • the total outstanding loan amount,
    • an early cancellation fee equivalent to all Monthly Fees payable over the remaining of the installment period but not yet billed to the designated card account, and
    • an early cancellation handling fee of HK$300. The Eligible Cardholder shall give Citibank at least 7 working days’ notice in advance of the intention to make early repayment. Once given, such notice will not be revocable without Citibank’s prior consent in writing. All paid Monthly Fees and Initial Fee (if applicable) will not be refunded. Partial early repayment will not be accepted.
    • Nothing contained in this Program shall be construed as an obligation on Citibank to offer or continue to offer the Program.
    • Citibank reserves the right at any time without prior notice vary all or any of the Terms and Conditions, or to replace, wholly or in part, this Program by another scheme, whether similar to this scheme or not, or to withdraw it altogether.
    • Citibank will not be responsible or liable for any actions, claims, damages, costs, charges and expenses which a cardholder may suffer, sustain or incur by way of this Program.
  • All matters are subject to the final decision of Citibank.
  • In the event of discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

Terms and Conditions for “Spend by installments and get up to HK$2,000 Supermarket Cash Coupons each time!”:

  • The promotional period is from March 23, 2017 until April 30, 2017(both dates inclusive). (“Flexi-Installment Cash Coupon Promotional Period”). All Eligible “Flexi-Installment” Loan (as defined in clause 4) must be conducted during the Flexi-Installment Cash Coupon Promotional Period (based on transaction dates).
  • The Terms and Conditions of Citi Credit Card "Flexi-Installment” Program (“the Program”) apply.
  • Unless otherwise specified, this promotion applies to cardholders ("Cardholders") of Citi Credit Cards issued by Citibank (Hong Kong) Limited ("Citibank") ("Eligible Cards").
  • Eligible “Flexi-Installment” Loan only include “Flexi-Installment” Loan with approved loan amount of HK$10,000 or above and a minimum tenor of 12 months with an Eligible Card.
  • Cardholders who make an Eligible “Flexi-Installment” Loan with an Eligible Card during the Flexi-Installment Cash Coupon Promotional Period (“Participants”) will be entitled to Wellcome Supermarket Cash Coupons (“Cash Coupons”) as below:

    Approved loan amount per loan (HK$) Wellcome Supermarket Cash Coupons (HK$)
    Tenor of 12 months Tenor of 18/24 months Tenor of 30/36/48 months
    >=$10,000 - <$19,999 200 400 600
    >=$20,000 - <$39,999 400 600 800
    >=$40,000 - <$59,999 600 1,000 1,200
    >=$60,000 800 1,400 2,000
  • Participants will be entitled to Cash Coupons (as defined in clause 5) for each Eligible “Flexi-Installment” Loan conducted during the Flexi-Installment Cash Coupon Promotional Period.
  • Citibank will determine the eligibility of Cardholders to participate in this promotion as well as the transactions based on Citibank’s record, and at the sole and absolute discretion of Citibank. If relevant spending made with the Eligible Card is verified by Citibank as Eligible “Flexi-Installment” Loan for the Cash Coupons, Cash Coupons will be mailed to Participants’ correspondence addresses on or before June 30, 2017.
  • Cash Coupons are available while stocks last. Citibank reserves the right to replace the Cash Coupons with alternative gift without prior notice. The Cash Coupons offered cannot be exchanged for cash and are not replaceable in the event of any loss or damage. Upon redemption, the product cannot be replaced, returned or refunded. Citibank is not a supplier of the Cash Coupons and accepts no liability with respect to the quality of the products and services provided by the supplier of the Cash Coupons involved in this promotion. The respective merchants are solely responsible for all obligations and liabilities relating to such product or services and all auxiliary services. The Cash Coupons are subjected to the relevant terms and conditions printed therein.
  • Unless otherwise specified, this promotion cannot be used in conjunction with other special promotions.
  • Participants’ Eligible Card accounts must be valid and with good credit record during the Flexi-Installment Cash Coupon Promotional Period and the fulfillment period in order to be eligible to receive the Cash Coupons. Otherwise Citibank reserves the right to forfeit the Cash Coupons without prior notice.
  • During the Flexi-Installment Cash Coupon Promotional Period and the fulfillment period, if the Participant is found to have made early settlement of the loan under the Program OR cancel the relevant Citi Credit Card used to draw down the loan under the Program that won the Cash Coupons prior to the final repayment date of the loan under the Program, Citibank reserves the right to debit the full amount of the Cash Coupons from the Participant’s credit card account or other accounts with Citibank (if applicable).
  • In case of any fraud/abuse/reversal or cancellation of transactions in respect of which the Cash Coupons was awarded, Citibank reserves the right to debit from the Cardholder’s Eligible Card account the equivalent amount of the Cash Coupons without prior notice.
  • Citibank reserves the right to amend the terms and conditions without prior notice, all matters and disputes are subject to the final decision of Citibank.
  • In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

Terms and Conditions for "Limited time offer":

  • The promotion period is from March 25, 2017 to May 24, 2017, both dates inclusive. All Eligible Interest Free Installment Plan ("IFHP") Transactions (as defined in clause 3) must be conducted during the Promotion Period. The Cardholder confirms that this IFHP application is not referred by a third party.
  • Unless otherwise specified, this promotion applies to cardholders ("Cardholders") of Citi Credit Cards issued by Citibank (Hong Kong) Limited ("Citibank") ("Eligible Cards"). Citi Rewards UnionPay Card and Citi Cash Back American Express®Card are not eligible for this promotion.
  • Eligible IFHP Transaction ("Eligible Transactions") only includes Interest-Free Installment Plan made at local merchants offering Citi Credit Card Interest-Free Installment Plan service in a single transaction. Other transactions, including but without limitation to, purchases made at merchants outside of Hong Kong (including Macau and China), or unposted/ cancelled/ refunded/ falsified/ unauthorized transactions are excluded.
  • Cardholders will be entitled to the following vouchers ("Reward") upon making an Eligible IFHP Transaction with an Eligible card during the Promotion Period.
    Single transaction spending (HK$) Wellcome Vouchers (HK$)
    $30,000 or above $300
  • Cardholder is only eligible for the Reward once during the entire Promotion Period.
  • Reward for is capped at the first 400 Eligible Transactions during the Promotion Period.
  • Citibank will determine the eligibility of Cardholders to participate in this promotion as well as the transactions based on Citibank's record, and at the sole and absolute discretion of Citibank. If relevant spending made with the Eligible Card is verified by Citibank as Eligible IFHP Transactions for the Reward, the Wellcome vouchers will be mailed to eligible Cardholders' correspondence address on or before July 31, 2017.
  • Citibank shall not be responsible for any matters in relation to the related products or services. The respective merchants are solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services. Upon redemption, the product cannot be replaced, returned or refunded.
  • Cardholders' Eligible Card accounts must be valid and with good credit record during the Promotion Period and the fulfillment period in order to be eligible to receive the Reward. Otherwise Citibank reserves the right to forfeit the Reward without prior notice.
  • In case of any fraud/abuse/reversal or cancellation of transactions in respect of which the Reward was awarded, Citibank reserves the right to debit from the Cardholder's Eligible Card account the equivalent amount of the Reward without prior notice.
  • Citibank reserves the right to amend the terms & conditions without prior notice, all matters and disputes are subject to the final decision of Citibank.
  • In the event of any discrepancy between the English and Chinese versions of these terms & conditions, the English version shall prevail.