Card Debt Consolidation Loans
Up to 30% off on total interest payment

Card Debt Consolidation Loans 30% off on total interest payment

With a Citi Card Debt Consolidation Loan, you can consolidate your debts into a lower interest loan making repayment easier. (Click HERE for Personal Loan Key Fact Statement)

Up to 30% off on total interest payment

Loan Promotion
Repayment term
up to 72 monthsa
Loan amount up to
21X Monthly Salary or
handling fee
How It Works

Repayment example for HKS300,000(f) Card Debt Consolidation

How to Apply

To apply for a Card Debt Consolidation 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

Loan Application Hotline: (852)2963 6428c

Loan Application Hotline:
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  • Personal Loans
  • Citi Tax Season Loan Annualized Percentage Rate as low as 2.01%
To borrow or not to borrow? Borrow only if you can repay!


Repayment period of "Debt Consolidation" is of 6 to 72 months.
Loan amount of "Debt Consolidation" is up to 21 times of your monthly salary or HK$1,200,000, whichever is lower.
Application hotline service hours: Monday to Friday 9:00am - 7:00pm.
The Card Debts example shown assumes that a minimum payment is made on a monthly basis (minimum payment being defined as [(Statement Balance – Finance Charge and Other Fees & Charges)x 1.5% + Finance Charge and Other Fees & Charges], subject to a minimum of HK$250, the monthly interest rate is 2.67%, the Annualized Percentage Rate ("APR") is 35.52% and the monthly repayment is the average of the first 6 month minimum payment rounded up to nearest dollar . For a definition of APR, please refer to clause (e). It also assumes that the monthly flat rate for a Citibank Card Debt Consolidation Loan is 0.49% and the APR is 11.04%, based on a 72 month repayment term. Interest is calculated on the basis of 365 days per year. The above example is an illustration and for reference only. The actual reduction of monthly repayment and total interest is subject to the Terms and Conditions of the customer's current credit card and/or personal loan and final approval of the loan amount and interest rate.
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.
Instant approval result is applicable to selected applications via our website during 8am to 1am on Monday to Friday, 9am to 1am on Saturday and noon to 1am on Sunday & Public Holidays. Citibank reserves the right of final approval decision.

Terms and Conditions:Terms and Conditions:

Terms and Conditions of Citi Card Debt Consolidation Loans 30% Interest Discount Promotion (“Interest Discount Promotion”)
  • The promotion period (“Promotion Period”) of Interest Discount Promotion is from January 1, 2019 to March 31, 2019, both dates inclusive.
  • The 30% Interest Discount (“Interest Discount”) is applicable to customers (“Eligible Customers”) who apply during Promotion Period and successfully drawdown a Citi Card Debt Consolidation Loan on or before April 19, 2019.
  • The Bank reserves the right to amend these Terms and Conditions at anytime without prior notice.
  • In case of disputes, 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.

The annualized percentage rate (“APR”) ranges from 2.46% to 44.72%, with repayment period of 6 to 72 months. 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 0.18% (APR 4.04%), and the total loan repayment amount is HKD204,324 (including full handling fee waiver). The above example is for reference only.