Citi Handy Cash - Quick cash on hand with minimum documents - Citi Hong Kong


Handy Cash
Fast cash on hand with minimum documents

Handy Cash Up to HK$500 in cash coupons

Citi Handy Cash offers a fast and simple personal loan option to both employees and self-employed individuals to meet their quick financial needs with minimum documents. (Click HERE for Personal Loan Key Fact Statement)

Up to HK$500 cash coupons

Loan Promotion
Accept all types of salary proofa
(Including cash payroll)
Loan amount
up to
8X monthly salaryb
handling fee
term up to
60 monthsc

Please refer to the Key Facts Statement for Citi Personal Loans for the applicable Annualized Percentage Rate.

How to Apply

To apply for a Handy Cash, 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 6477d

Loan Application Hotline:
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  • Personal Loans Loan solutions offer you easy repayments with clear terms and professional advice
  • Card Debt Consolidation Loan Clear card debt in one go
To borrow or not to borrow? Borrow only if you can repay!


Citibank reserves the right to accept or reject the relevant proof and the right to approve the loan and determine the applicable interest rates based on the submitted documents at sole discretion.
Loan amount of "Handy Cash"is up to 8 times of your monthly salary or HK$100,000, whichever is lower.
Repayment period of "Handy Cash" is of 6 to 60 months.
Application hotline service hours: Monday to Friday 9:00am - 7:00pm.

Terms and Conditions:Terms and Conditions:

Terms and Conditions of Up To HK$2,500 Welcome Offer (“Welcome Offer”)
  • The Welcome Offer promotion period ("Promotion Period") is from July 1, 2018 to September 30, 2018, both dates inclusive.
  • Customers who successfully apply for Citi Speedy Cash or Citi Handy Cash within the Promotion Period will be entitled to the Welcome Offer. Only customers who have successfully drawn down on or before October 6, 2018 with a specific loan amount and repayment term 12 months or above (“Eligible customers”) will be eligible for the Welcome Offer. Only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited (“The Bank”) at the time of application.
    Welcome Offer
    Loan Amount (HK$)Cash Coupon (HK$)Interest Rebate (HK$)
    HK$800,000 or aboveN/AHK$2,500
    HK$400,000 to HK$799,999N/AHK$1,000
    HK$50,000 to HK$399,999HK$500N/A
  • The Annualized Percentage Rate ("APR") of 1.99% is calculated based on the monthly flat rate 0.11% with loan amount of HK$1,000,000 and repayment tenor of 12 months, inclusive of HK$2,500 interest rebate (APR without interest rebate is 2.46%). 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 (5).
  • In case of disputes, the decision of The Bank shall be final and conclusive.
  • The examples in the table below are for reference only. APR is rounded up to the nearest two decimal places, subject to a 12-month repayment tenor and a loan amount of HK$1,000,000, HK$800,000, HK$400,000 and HK$50,000. The actual monthly flat rate and APR may differ and are subject to the actual loan amount and credit assessment result of individual customer. For the definition of Annualized Percentage Rate ("APR"), please refer to clause (5).
    Welcome Offer
    Loan Amount (HK$)Monthly Flat RateAPRCash Coupon (HK$)Interest Rebate (HK$)
    HK$1,000,0000.11%1.99% (include interest rebate)N/AHK$2,500
    HK$800,0000.13%2.32% (include interest rebate)N/AHK$2,500
    HK$400,0000.18%3.57% (include interest rebate)N/AHK$1,000
    HK$50,0000.40%9.12% (exclude cash coupons)HK$500N/A
  • 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 Coupon redemption letter (if applicable) will be mailed to the Eligible Customers’ correspondence address according to the Bank’s record on or before November 30, 2018.
  • The full amount of interest rebate (if applicable) will be credited to each Eligible Customer’s Citibank Personal Loan account on or before November 30, 2018 without further notice. The interest rebate can only be used to offset the monthly instalment and is not transferable and cannot be converted to cash or withdrawn from Citibank Personal Loan account.
  • The Bank accepts no liability in respect of the quality of the products or services provided by the Coupons supplier involved in this promotion. Coupons are subject to relevant terms and conditions printed therein. The respective Coupons suppliers are responsible for all obligations and liabilities in relation to such products or services.
  • Eligible Customers' Citibank Personal Loan accounts must be valid and in good condition without late payment or early payment, 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 the full amount of Coupons awarded under this Promotion.
  • If Eligible Customer are found to have made early settlement of/ cancel Citibank Personal Loan, the Bank reserves the right to debit:
    • the full amount of the Coupons; 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).
  • 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.