TOP-UP LOANS

Top-up your existing loan to
earn up to HK$1,000 in cash coupons

A man filling a purse with gold coins

Top-up your existing loan to
earn up to HK$3,800 in cash coupons

Top-up your existing loan to
earn up to HK$3,800 in cash coupons

A man filling a purse with gold coins

Topping-up your existing personal loan gives you fast and easy access to extra cash whenever you need it. (Click HERE for Personal Loan Key Fact Statement)

Have you already used your personal loan amount but still need extra cash to fulfill your need? If yes, then Citibank is here to help you. You can opt for a Citibank top up loan and get the extra cash that you want. To get the extra amount, you will not have to submit your documents again. You will even be able to select a repayment term post getting the top-up loan. This way, you won’t have to face any challenge while repaying the increased loan amount, as you will be offered a flexible repayment period of 6 to 60 months. So, if you need an extra amount besides the personal loan amount, contact us to get the process started.

Top reasons for getting a Top-up Loan

  • Option to increase original loan amount
    The requirement for cash, even after getting credited with your personal loan amount, can arise due to various reasons. During such a situation, you can rely on Citibank to increase your original loan amount. All you need to do is place a request for a top-up loan and get it credited easily.
  • No documents are requireda
    When you apply for a fresh loan, you are required to submit various documents. The documents are reviewed by the bank and accordingly, your loan application gets accepted and processed. However, if you want a top-up loan to increase your loan amount, you will not have to submit any documents.
  • New flexible repayment period of 6 to 60 months
    With a Citi top-up loan, you will be provided with a flexible repayment period. The repayment period can last between 6 to 60 months. As a result, even after you increase your original loan amount with a top-up loan amount, you won’t have to face any difficulty in repaying it.
  • HK$0 handling fee
    Banks charge a handling fee whenever a new loan is approved and credited to your account. The fee is charged as a part of the services offered by the bank. However, when you apply for a top-up loan, Citi will process and approve your request without charging any extra handling fee.
  • Option to increase original loan amount
    The requirement for cash, even after getting credited with your personal loan amount, can arise due to various reasons. During such a situation, you can rely on Citibank to increase your original loan amount. All you need to do is place a request for a top-up loan and get it credited easily.
  • No documents are requireda
    When you apply for a fresh loan, you are required to submit various documents. The documents are reviewed by the bank and accordingly, your loan application gets accepted and processed. However, if you want a top-up loan to increase your loan amount, you will not have to submit any documents.
  • New flexible repayment period of 6 to 60 months
    With a Citi top-up loan, you will be provided with a flexible repayment period. The repayment period can last between 6 to 60 months. As a result, even after you increase your original loan amount with a top-up loan amount, you won’t have to face any difficulty in repaying it.
  • HK$0 handling fee
    Banks charge a handling fee whenever a new loan is approved and credited to your account. The fee is charged as a part of the services offered by the bank. However, when you apply for a top-up loan, Citi will process and approve your request without charging any extra handling fee.

Act Now

  • Top-up Loan Application Hotline

    (Monday to Friday, 9pm to 7pm)

Act Now

Top-up Loan Application Hotline

(Monday to Friday, 9pm to 7pm)

(852) 2963 6456(852) 2963 6456

Act Now

Top-up Loan Application Hotline

(Monday to Friday, 9pm to 7pm)

Mobile button(852) 2963 6456

LOYALTY BONUS OFFER
Top up your existing Citibank Personal Loan now with up to
HK$1,000 in cash coupons!

Remarks: a.Citibank (Hong Kong) Limited ("Citibank") reserves the right to accept the relevant proof.

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Terms and Conditions:Terms and Conditions:

Terms and Conditions of Top-up Offer (“Top-up Offer”)

  • The Top-Up Offer promotion period is from October 6, 2021 to December 31, 2021, both dates inclusive ("Promotion Period").
  • Customers who successfully apply for Top-up Loan within the Promotion Period and draw down on or before January 14, 2022 with a specific loan amount and repayment term 12 months or above (“Eligible customers”) will be eligible for the Top-up Offer (“Top-up Offer”) as stated below. Only applicable to customers who hold any Personal Loan account offered by Citibank (Hong Kong) Limited (“The Bank”) at the time of application.
    Loan Amount (HK$) Top-up Offer (HK$)
    HK$200,000 or above HK$1,000 cash coupons
    HK$50,000 to HK$199,999 HK$300 cash coupons
  • A cash coupon redemption letter (if applicable) will be mailed to the Eligible Customers’ Hong Kong correspondence address according to The Bank’s record on or before March 31, 2022.
  • Cash coupon reward is subject to availability. The Bank reserves the right to offer an alternative gift or benefit in substitution of the cash coupon reward without prior notice. Cash coupon reward cannot be converted to cash and are not replaceable in the event of any loss or damage. The use of the cash coupon reward is bounded by the relevant terms and conditions printed therein and The Bank 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 products or services.
  • Each Eligible Customer can enjoy the Top-up Offer once during the Promotion Period.
  • Eligible Customers’ Citi Personal Loan account must be valid and in good condition without any late payment or early repayment, 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 full amount of the reward under this promotion.
  • If Eligible Customers are found to have made early settlement of/cancel Citi Personal Loan, the Bank reserves the right to debit:
    • the full amount of the cash coupons reward (if applicable); AND
    • the early repayment fee for his/ her Citi 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 Top-up Offer cannot be used in conjunction with any other promotional offers.
  • The Top-up Offer is not applicable for staff who employed under Citibank (Hong Kong) Limited (CHKL) and Citigroup.
  • Top-up Loan is the product of Citi Personal Loan and is subject to the "Terms and Conditions for Citibank Personal Loan".
  • The Bank reserves the right to amend these Terms and Conditions at any time 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.